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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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US elections November 2024 [amended 18/04/24 - HB]


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Trump is looking less and less popular, over Covid and other things.

 

I'm not sure I'd be inspired to vote for someone who thinks the cognitive test he's talking about is too difficult for most people, especially Joe Biden. Is he confusing a congnitive test with an IQ one?

 

https://www.theguardian.com/us-news/2020/jul/23/person-woman-man-camera-tv-trump-insists-cognition-test-was-difficult

Illegitimi non carborundum

 

 

 

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truth is the test he refers too was done in 2018!!

not recently at all.

 

USA has more than a quarter (143k) of the worlds deaths from covid 19 ...but only 4% of the worlds population...go figure ....blokes a prat...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So is Johnson

 

So whos pratting around voting for them

 

Bad as clinton was she was no Corbyn, so the yanks haven't even got that excuse.

 

 

 

 

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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I'm wondering how many voters will be turned off by the White House's handling of the George Floyd demos and the Covid crisis.

 

Part of the electorate will stay with Trump whatever, but at the moment he's trailing Biden in Texas which is bad news if it continues.

Illegitimi non carborundum

 

 

 

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All Trump had to do to get re elected was make some empathetic speeches and defer to his scientists.

 

He screwed it up. He’s done , it’s over. 

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Problem is, the American people are dying of Covid and he is out playing golf. It's like Marie Antoinette, let them eat cake!

 

People laugh and snark about Boris but ultimately he had empathy, ultimately he flattened the curve of the disease, ultimately he bailed the population out financially.  Trump did none of those things.

 

4 months ago there was no doubt in my mind that Trump would win, This will be studied by our great grandchildren in history books as to how rapidly things can turn.

 

And before anyone says the polls are wrong, they are at 4 times the margin of error!!! There are 3 months now until the election, Biden is not Hillary Clinton, no mud is sticking. In fact Biden doesn't have to do a thing, just give Trump enough rope and he'll hang himself.

We could do with some help from you.

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21 hours ago, London1971 said:

 

People laugh and snark about Boris but ultimately he had empathy, ultimately he flattened the curve of the disease,

 

 

ultimately he bailed the population out financially.  Trump did none of those things.

 

 

 

 

He flattened the curve of the disease at best half of what he should have

 

and Johnsons gov were avoiding 4 million plus hitting the universal credit system and the immediate collapse of swathes of UK businesses,

yes thats better than Trump, but given the situation and the differences in the UK, his gov would have almost certainly collapsed if he hadn't

 

 

 

 

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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22 hours ago, honeybee13 said:

 Covid press conferences but without the scientists so far. They weren't invited yesterday.

 

Because most are now flatly saying Johnsons policies are not medical advice or medical science rather than simply muttering 'political decision'

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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interesting that Johnson has said there will be rises for the Judiciary, police and doctors

 

Well, the Judiciary have mostly been at home

Getting to actually see a GP, or even getting past 'every symptom is covid - isolate don't come in' has been and is a ferking disgrace

 

 

My other half and daughter in law, both NHS who have both been working right through the pandemic - longer hours and more responsibilities than normal

apparently still aint getting a penny extra.

 

 

 

 

  • Like 1

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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1 hour ago, tobyjugg2 said:

 

Because most are now flatly saying Johnsons policies are not medical advice or medical science rather than simply muttering 'political decision'

 

You mean Trump, right?

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Either/or

I was referring to Johnson

but Trump fits equally well there

... Just a matter of degree and what each thinks they can get away with in most areas

 

Like johnson would never get away with 4-9 million extra unemployed and tens of thousands of Tory voting small businesses down the pan

Trump doesn't care - cheap slave labour without using Mexicans

.. Johnson just wishes he could

Edited by tobyjugg2

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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On 23/07/2020 at 14:31, London1971 said:

 

People laugh and snark about Boris but ultimately he had empathy, ultimately he flattened the curve of the disease, ultimately he bailed the population out financially.  Trump did none of those things.

 

 

Yes and at least Johnson has admitted there were mistakes in not locking down sooner, something you couldn't imagine Corbyn doing.

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Surely you mean Johnson makes feeble excuses for the results of terrible personally driven policies and practices and claims it wasn't his fault

... just like Trump and Corbyn have and continue to do

Edited by tobyjugg2

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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I'm reading excuses - and feeble ones

 

"the prime minister has said he took the "right decisions at the right time", based on the advice of scientists."

 

 "We didn't understand [the virus] in the way that we would have liked in the first few weeks and months."

 

" "I think it's fair to say that there are things that we need to learn about how we handled it in the early stages

 

""Maybe there were things we could have done differently, and of course there will be time to understand what exactly we could have done

 

 

Do read what you link

 

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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So show a single clearly defined mistake admitted or apology

 

From refusing PPE and UK PPE being sent to China

Lying about PPE being ordered and coming in from Turkey

Demonstrating Handshakes when there should have been care

18 million people admitted/returned into the UK untested and unchecked

SPADS and ministers P*ing all over lockdown while fining ordinary folk

 

.. theres lots and lots of cretinous decisions for him to pick a clear apology from

.. and not a single one - just like Corbyn and Trump

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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Mr Johnson said: "Maybe there were things we could have done differently, and of course there will be time to understand what exactly we could have done, or done differently."

 

It's nice to see he takes full responsiblity for what the government has done. But I disagree with the time to understand comment, a second wave could be pretty soon.

 

Illegitimi non carborundum

 

 

 

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Yup, Johnson did a poor job, as did Macron, Spain, Italy, just nobody in this country follows any other country aside from the US and Australia.  The Belgian PM is taking, deservedly a lot of flack.

 

But, not one of them, Johnson included can be compared with Trump.  He is on the spectrum of normality, and believe me I don't like Boris one bit.  Trump is like Marie Antoinette, telling the people to eat cake.  The population is dropping like flies, but he is playing golf, tweeting about fake news, boasting about his achievements and some cognitive test a 5 year old could complete.

 

Lets not forget this is the man in control of the worlds largest nuclear aresnal, and has the ability to destroy every major city on earth. All in all it makes the likes of Boris, Macron etc, seem like small fry.

We could do with some help from you.

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14 minutes ago, honeybee13 said:

Mr Johnson said: "Maybe there were things we could have done differently, and of course there will be time to understand what exactly we could have done, or done differently."

 

It's nice to see he takes full responsiblity for what the government has done. But I disagree with the time to understand comment, a second wave could be pretty soon.

 

 

Maybe If he had left out that Maybe ....

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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changes a weak but arguably an actual apology into nothing but an excuse and avoidance at best in my eyes

 

A simple apology with a clearly defined focus is what is needed

 

 

and given how often he does munge and obscure a required apology, quite clearly says to me that no apology was or is intended. Quite the opposite.

Edited by tobyjugg2

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Record low: living standards and investment

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes with the same gusto they do around their crooked MPs

“This is specifically not allowed. Mr. Mansour used to be a Cabinet Minister in Egypt, he has given the Tories a huge amount of money, and immediately gets a knighthood.

That seems straightforwardly corrupt.  Shouldn’t they both be in jail?”

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