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    • So @theoldrouge * Are reform suspending farage for his putin apologist propaganda pieces? - Which he has doubled down on * Are you going to condemn antisemitic bigoted racism from your right wing  bigots? In effect, are you two going to look up from your gutter and follow labors lead?     "Farage (a “pub bore” who has no grasp of the complexity of “finding international solutions to problems”) - did not say that both Sweden and Finland, Nato’s latest two members, decided to join only after Putin ordered the full-scale invasion of Ukraine. Finnish ex-Prime Minister Alexander Stubb said joining the alliance was a “done deal” for his country only as soon as Russian troops invaded Ukraine. Their membership more than doubled the Russian border with Nato. For Sweden, their decision to join ended more than two centuries of neutrality, such was the threat posed to them by Russia."   Simple fact - Russias invasion of Ukraine forced Finland to join NATO - doubling Russias border with NATO countries.    
    • I have read that thread but it started when received court claim form    im not at that stage yet    I'm asking if I should do anything just now or not contact at all    looks like a standard letter i received giving me 7 days when first letter said they would give 14 days but didn’t and sent 7 days      once again. Dx  thanks for your help and everyone here I get lost in the other posts but have read them 
    • Please check this suggested letter and let us know if there is anything wrong or anything you want to add. Please will you read it carefully and take care this time.  
    • it's not a case of 'J&P being 'new'. as ive said before, IDRWW just rotate around various sols that they can get that have no real legal morals and that are for want of a differing explanation, nothing more than a 'here use our letterhead' type fake, paperwork only, small firm/sofa sitter sols, that allow their details to be used under contract just to get a few £'s per letter fee. They never appear in court either, just defer off to locums. 99% of the big hitters wont and have never gone near the UAE debt threat scam simply to earn a few Quid.  dx
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    • If you are buying a used car – you need to read this survival guide.
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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.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 

      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Lowell/Overdales - Halifax One Credit Card Debt Claim Form Received


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With thanks.

Updated defence. 

The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.

1. Paragraph 1 is noted. I have in the past had financial dealings with Halifax PLC part of the Lloyds Group of Companies but do not recognise the specific account number referred to by Claimant and on which its claim relies. To enable clarification a sec78 request pursuant to the CCA1974 was made dated 11 May 2024. The Claimant provided various documents which appear to be incomplete with page numbers missing and incomplete Terms and Conditions. If this is a copy of the original agreement it appears to be unexecuted by the original creditor.

2. Paragraph 2 is noted. I do not recall receipt of a Default Notice which the Claimant refers to within its Particulars of Claim and on which its claim relies. A CPR 31.14 request was made dated 11 May 2024. To date the Claimant has not provided a copy.

3. Paragraph 3 is noted. Although I had not recalled a copy of the Notice of Assignment pursuant to the Law and Property Act 1925 Section 136(1) I requested a further copy from the claimant which has since been provided in response to the CPR 31.14 request dated 11 May 2024.

4. Paragraph 4 is noted. It is denied with regards to the Defendant owing any monies to the Claimant, and the Claimant is put to strict proof to:

(a) Show how the Defendant has entered into an agreement.

(b) Show the nature of the breach and evidence by way of a Default Notice Pursuant to s.87(1) of the Consumer Credit Act 1974.

5. As per Civil Procedure 16.5 it is expected that the Claimant prove the allegation that the money is owed.

6. By reason of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed, or any relief.

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Yay!! Plan to submit tomorrow. Thanks for all the support. I'm so out of my comfort zone.

Will keep thread updated and continue reading. Just want them gone!   

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