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    • Have we seen your court bundle?   If we haven't then it's probably an idea to post it up here especially the index page and the witness statement so we can see if there is anything which might need adding or changing 
    • "Care to briefly tell someone who isn't tech savvy - i.e. me! - how you did this?" Its pretty simple although not obvious. You open the google maps app > click your profile picture > Click Timeline from the list > click today > choose the date you want to see the timeline from. Then you'll see your timeline for that day. Often, places you have visited will have a question mark beside them where google wants you confirm you have actually visited. You either click 'yes' if you have, or you click 'edit' to enter the actual place you visited. Sometimes, you'll see 'Missing visit' This probably happens if your internet connection has dropped out at that time. You simply click 'Add visit' and enter the place. The internet on my crappy phone often loses connection so I have to do that alot.   OK dx, understood mate. 
    • I have now been given a court date vs Evri, 4th Sept 2024. I have completed my court bundle, when am I expected to send copies to the court and Evri and should it be in hard copy or electronic? The Notice of Allocation states that no later than 7 days before the directions hearing both parties must send to the other party their final offers to settle. Does this mean I will have to tell Evri what I'm willing to settle? Rgds, J
    • Ok how about this to the CEO? I know it sounds super desperate but lets call a spade a spade here, I am super desperate: Dear Sir, On 29th November 2023 I took out a loan of £5000 with you. Unfortunately very early into 2024 I found myself in financial difficulty (unexpected bills and two episodes of sickness and the tax office getting my tax code wrong resulting in less pay for two months) and I contacted you (MCB) on 13th February 2024 asking if there was any way I could extend the length of my loan to 36 months. I fully explained why I was requesting this and asked for your help. I did not receive a reply to that email so I again contacted you on 7th March 2024 to advise you of a change in my circumstances which resulted in me having to take out a DMP and asking you to confirm that the direct debit had been cancelled. You would have also received confirmation of this DMP from StepChange but you did not acknowledge receipt of my email. I have only managed to make one payment from my loan but did try and contact MCB to discuss extending my loan, help etc.  I have now therefore fallen behind on several of my debts, yours included, and as a result you have lodged a Cifas marker against my name for "evasion of payment", which has resulted in me having to change banks, which has been an extremely difficult process because of the Cifas marker. I do not feel you have been fair or given me the opportunity to fully explain my situation to you before you lodged the marker against my name. I appreciate it is a business and you have acted accordingly, but I did try to make contact to arrange alternative arrangements and at no point, not even to this day, did I ever intend to not repay my loan. I cannot stress to you enough how much this has affected my mental health. I am having trouble sleeping and my existing health condition has been exacerbated by all of this. What I would like you to do is to please, please remove the Cifas marker and let me make arrangements to pay the loan back through a DMP.  Please sir, I am begging for your help here. I am not a dishonest person and I have never been in a situation like this before. I am desperately trying to make things right but this marker is killing me. Please can you help me? I look forward to hearing from you. Yours faithfully,
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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.

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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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Can't Find What You're Looking For? Here's A Complete A-z Index


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Well done from me as well, very usefull

 

clickity click on the scales I go

 

Pen

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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  • 2 weeks later...
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Fantastic stuff ... gonna save me oodles of searching time n tired eyes! :D

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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  • 4 weeks later...
  • 3 weeks later...

Hello there,

 

Great Index and you obviously spent a lot of time on it...I don't see Northern Rock listed though?? Surely I can't be the only one in the country who's been ripped off by them?? Or am I the only one who wants my money back?

 

Please could you point me in the right direction or alternatively help mefind out what I can about them?

 

Thanks,

 

Survyva

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Hello there,

 

Great Index and you obviously spent a lot of time on it...I don't see Northern Rock listed though?? Surely I can't be the only one in the country who's been ripped off by them?? Or am I the only one who wants my money back?

 

Please could you point me in the right direction or alternatively help mefind out what I can about them?

 

Thanks,

 

Survyva

 

Hi there - It seems that most claiming against Northern Rock post their threads in the 'other institutions' forum - here's the link ...

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/

 

hope that helps? :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi CHezt, and thanks :) I'll go there right away and see what I can find out.

 

Survyva :)

 

ps Feeling more optimistic already :)

 

Good luck & make sure you have a good read before you get started with your claim :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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  • 3 weeks later...

Michael, you're brilliant - thank you. Am new to the site and finding it hard to re-find gorgeous posts/links after going out of them. How do I 'save' the A-Z list or 'make it a sticky' ??

Lloyds Subject Access Request Letter sent 11-5-07

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Guest NATTIE

Michael, if i am blind(i could be of course) can you add a link for when amount of the debt is in dispute ie they are claiming and the bank send a letter to them asking for it all back at once. Thank you

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Michael, if i am blind(i could be of course) can you add a link for when amount of the debt is in dispute ie they are claiming and the bank send a letter to them asking for it all back at once. Thank you

Have you got a link. Can't find it myself and I've only got it as a Word doc.
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Guest NATTIE

no that is why i asked you because i thought you would surely know. I couldn;t find it either.

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Michael.

Just popped into this discussion, and by co-incidence RCR50 is showing concerns on his own thread regards the possability of the Bank calling in an overdraft in retaliation to his actions.

I recall that there have others in similar positions who then wrote sucessfully stating that the Bank could not do so whilst the true amount owing to Bank was in dispute.

Any thoughts or links I can pass on?

Photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Michael, you're brilliant - thank you. Am new to the site and finding it hard to re-find gorgeous posts/links after going out of them. How do I 'save' the A-Z list or 'make it a sticky' ??

 

You could simply add it to your favorites

XxXxX

:p

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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  • 3 weeks later...
Michael.

Just popped into this discussion, and by co-incidence RCR50 is showing concerns on his own thread regards the possibility of the Bank calling in an overdraft in retaliation to his actions.

First, I can't find where to post my first post, introducing myself. So this is it!

 

Secondly, I'm posting here because, like photoman, I'm wondering if LLoyds might call in overdrafts if I try for example, getting my salary paid in to another bank (more than twenty years with Lloyds, but I'll need to open a new account at another bank).

 

I haven't claimed charges back yet, but they've just begun to get totally over the top. Now I really understand why people end up in ludicrous situations owing stupid amounts of money.

 

My charges only amount to a few hundred since beginning of the year, but extra interest on a couple of overdrafts (exceeded by less than £20!) is way too much too.

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First, I can't find where to post my first post, introducing myself. So this is it!

 

Secondly, I'm posting here because, like photoman, I'm wondering if LLoyds might call in overdrafts if I try for example, getting my salary paid in to another bank (more than twenty years with Lloyds, but I'll need to open a new account at another bank).

 

I haven't claimed charges back yet, but they've just begun to get totally over the top. Now I really understand why people end up in ludicrous situations owing stupid amounts of money.

 

My charges only amount to a few hundred since beginning of the year, but extra interest on a couple of overdrafts (exceeded by less than £20!) is way too much too.

 

Priesty

 

Firstly, the answer to your question is contained in the very first link of the very first post of this thread.

 

Then;

Read the Frequently asked questions here

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

DO READ THE STEP BY STEP INSTRUCTIONS !!!!!!

As you go on, you’ll also find this very helpful:

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

You’ll then need to start your own thread;

Go to here:

http://www.consumeractiongroup.c o.uk/forum/

 

Find the name of the Bank your action will be against.

Click on it (the name of the Bank in Bold Blue)

On that page, you will then find a label saying "Forum Tools" (just under the list of page numbers).

Click on it. It will show you some options.

Firstly, it's a good idea to subscribe to the Forum ,as you'll then recieve updates from people in similar situatioins against the same Bank. So click on Subscribe. It will ask how often you want updates (Personally I like Daily).

Once Subscibed to the Forum it will redirect you back.

Hit the same button and choose "Start new thread"

Give your Thread a title eg: yourforumname v whatever bank

(choose how often you want updating by email if anyone posts responses in your thread)

 

Then your up and running !:-)

 

Whilst your there, you might want to take some time to have a look at some of the threads by people taking action against your same Bank, very helpful. Remember, any threads you want to follow, you can either choose the thread tools button, and choose subscribe to thread, or simply whenever you make a post in a thread it will automatically subscribe you to that thread.

On the main page I've posted above, you'll also find lots of highlighted "stickies", which have lots of very informative stuff in them too.

Once your ready to start , you’ll need to do a schedule of charges to submit to the bank, try this one:

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Best regards and good luck

 

photoman

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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Just found this Index - thanks MB.

I do have a question though on the Court Bundle:

Why, if we have to send a copy of the court bundle to Court & Solicitors before attending the Court Date, does it say we have to take three copies along to Court in a ring binder as suggested in your Index? :confused: :confused:

amber_ellie :)

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Thanks MB but when sending in your Court Bundle I know you do three copies for Court, Solicitors and yourself.

However when I read this thread it says to take three copies along to the Court date??? Possibly it should be altered ???? as we don't need to take another three copies along.

amber_ellie :)

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Please

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