Jump to content


  • Tweets

  • Posts

    • No I get what you're saying and that is fair enough if that's the way it is, but the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount of a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information 
    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you don't have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • 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
        • Like
  • Recommended Topics

pinkduchess v HSBC


pinkduchess
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5092 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 1.4k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

You must be psychic! I was just going to post the link for you!

I can't see it myself. I tend to agree with Caro's view that if they were going to do it they would do it now. No point in waiting. Also it's one of those friend of a friend stories.

Whats your thinking?

Link to post
Share on other sites

Well they are basicaly accountants so making provision for the impending pay out does ring true but to fold now leaves then open to everyone including people that havent claimed.

 

I still think they can cut a deal with the OFT to cut their liability before they pay out. The OFT is part of the old boys network and not a mad customer they will agree a fair rate and pay out over that.

 

pete

Link to post
Share on other sites

yes I see what your saying but the point that was made in the press, and someone pointed it out on that thread, is the ammount of interest the banks would make on the money they will eventually have to pay out. I think it was quoted at 20 million in the papers.

 

Do you mean they could sort a deal with the oft before the outcome of the test case?

Link to post
Share on other sites

why not, its only a court case, they have made agreements and run before why should the OFT case be any different.

 

If they manage to cut a deal with the OFT and the FSA and get it rattified in court what chance will anyone have of geting any more than they have agreed.

 

pete

Link to post
Share on other sites

Many congrats on your extra spot PD! :) Pity you can't get pink ones to go with your avatar..........

 

 

PS. The translation was for a reply to Auburn anyway ,but you can take your place in the queue if you like :cool: :cool: ( Really Laffin !!) :lol: :lol:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hi, Pete and Freaky,

 

Have I missed some movement on the Lloyds front (is there a link?) or is it just speculation from financial gurus? :confused:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Wow! That's pretty heady stuff if it's true , guys!

It has a ring of truth in that, if a bank thinks that it can steal a march on the others by 'giving in' - it'll go for it.

 

As has been mentioned, they must be losing a bomb in 'product sales' - 'cos you can't sell to irate customers.

 

Also, although they may lose interest on their 3.5 billion - they won't have to pay out for so long at our 'minimum' of 8% per item

 

It may also be that the courts may allow claims to go back over the six years from when the claim started, because the banks have wasted courts time - AND LOST!!

I would also venture to suggest that if Lloyds goes for it, - it will be like dominoes - they'll all have to follow suit and vie for who can quote the lowest 'fair charge'.

 

Competition and CAG would win the day!

 

Thanks for the link Freaky, it's got my mind ticking over again............:)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Well, at least I managed the quoting bit at last!

 

Can't let PD have all the best ones so I want to tell you all about the day Abraham and Rachel got married. The families were happy as Becky had married a nice professional boy, but he was a little, shall we say, careful about money and so was naturally perturbed when Becky said she wanted to bathe in Champagne before her wedding.

 

Abe had already stashed a couple of dozen cases (bought wholesale) for the reception and so carefully removed all the foil wrapping, wire retainers and corks from each bottle, poured the Champagne into the bath and called out to his beloved "Becky, your bath is ready."

 

Going into the bathroom Becky saw the inviting bubbles and jumped in to luxuriate beneath them.

 

After her bath, Abe carefully refilled each bottle, managed to get the corks back in, rewired the retainers and even got the foil back on the bottles and into the case when he suddenly realised he was one bottle short.

 

"BECKY" he screamed in panic "YOU DIDN'T, DID YOU?

 

Pip-Pip

 

Van

Link to post
Share on other sites

It may also be that the courts may allow claims to go back over the six years from when the claim started,

 

Sorry, what I meant there was - if the court case drags on through apppeals etc and they still lose , the court may allow claims which were 'in the mill' at the beginning to go through without applying the time limit.

 

Does that sound better? :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hi Johnny. I would like to think that llodys were going to do something along these lines but the longer this story goes on without any other hint of the same thing from elsewhere then the less i think it is likely to be true.

If they did do it I for one would open an account with them though!:D

Link to post
Share on other sites

PS. The translation was for a reply to Auburn anyway ,but you can take your place in the queue if you like :cool: ( Really Laffin !!) :lol: :lol:

 

oh how presumptuous of me!!! :oops::p

 

a letter from DG dropped through the letterbox today informing me of their intention to apply to the court to stay my action!! dont they realise the judge has already done that?? :x

Link to post
Share on other sites

lol :D

 

ok just for you theres two options

 

1. she either 'added' to the bath so there was excess liquid in relation to the number of bottles :o

 

or

 

2. she must of hidden the bottle somewhere :o :o

 

 

what i dont understand is when rachel became becky :p

Link to post
Share on other sites

Oh dear, red faces all round!

 

Where I used to live, and where some of my best friends were Jewish, the diminutive form of Abraham was Abe and the diminutive of Rebecca (not Rachel) was...er...Becky.

 

Now you know why I can't do this blasted spread sheets!

 

Just in case you think I am anti-semitic (which I am most decidedly not as the joke was told to me by my Jewish dentists while he was drilling away) Mind you I could have easily become so after laughing with that rotating tool in my mouth!)

 

Then a priest told me about two girls in Dublin who opened a massage parlour in a quiet street where two elderly spinsters sat opposite peeping through their curtains, watching, timing and, of course commenting and tut-tutting.

 

One day a Minister of the Church of Ireland appeared in the street, rang the girls' door bell and was quickly let inside only to emerge an hour later looking rather pleased with himself.

 

"Did you see that sister Mary" snorted one old lady watcher to the other "that Protestant hypocrite has been sporting himself with them girls - thank God I'm a Catholic".

 

Next day who should appear but Fr. Murphy himself who also disappeared inside the girls' dwelling.

 

The two old ladies looked at each other for a moment before Mary spoke "sister Martha, 'tis ashamed of myself that I'm thinking, one of those poor girls over the road must be dying."

 

Van

Link to post
Share on other sites

OK, Ok. Freaky Leaky.

 

Will do as requested, but not with Becky's Champagne.

 

Hinting to OH she might go and get a bottle of Scotch from the Co-op to do so 'cos it's on special this week.

 

We have been talking about a Jewish Princess, none other than Rachel Rebecca Cohen, daughter of Howard Lewis Cohen and Mrs. Cohen of Cleckheaton.

 

Van

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...