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    • hope everyone can see this (might be issues if not UK connection)   Post Office lawyer was a jack of all trades, but failed his own | ... WWW.COMPUTERWEEKLY.COM Post Office IT scandal inquiry hears how a lawyer was at the centre of the Post Office’s attempts to prevent problems with its IT system...  
    • as if a lawyer, let alone a senior one wouldn't have full documentation - if she claims she hasn't - claw back all the payments made to her   https://www.lawgazette.co.uk/news/post-office-inquiry-live-former-gc-susan-crichton-gives-evidence/5119453.article?clearcache=1
    • Id start by submitting a formal Subject Access Request to the local authority. State that you want all data including telephone recordings.   They'll have a month to provide you with the data and recordings then
    • a DCA is NOT A BAILIFF and have ZERO legal powers on ANY debt - no matter what it's type most doorstepper threats are usually just that. however if you want a good giggle if they do turn up to collect your doorstep. get your phone. film them do not engage simply state leave my property now and never return else i'll call police 101. ideally you should have been reading up during this +18mts sage. then you'd already know. dx  
    • you do not need a sep accredited jewellers report..how stupid. stop believing things someone says face to face that they would never put in writing. the judge would eat them for breakfast if they did, dx  
  • 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
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Help! Please! Urgent! With Citicard....


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Ha Ha .......put together "Parrot style" ?????

not heard that one before......strange as of course we know what Parrots are famous for......repeating themselves and getting their feathers ruffled now who does this remind me of .................:rolleyes:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi ace,

 

when is hearing - did you include the stuff I e-mailed you and have you received stuff from them?

 

Oh and space in PM's now

 

Hi Gizmo,

 

No i didn't get a chance to as my email went down at work and i had to submit the papers that day.

 

Do yuo think i should take it along with me regardless?

 

Could you let me know a rough outline of what you said?

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Ha Ha .......put together "Parrot style" ?????

not heard that one before......strange as of course we know what Parrots are famous for......repeating themselves and getting their feathers ruffled now who does this remind me of .................:rolleyes:

 

It's a pretty agressive defence to be honest. Basically saying i'm idiot who can't manage her money, hasn't read the Acts i'm referring to and i'm doing it as a get rich quick scheme.

 

Errrr hello credit card company that also made me bankrupt and harassed me for year.

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Yep will get you an idea of how the hearing went shortly - but have they sent you a bundle and is hearing this week?

 

Yes, they've sent me a bundle which i briefly summarised above. Hearing is tomorrow at 2pm in Bham. I live in London so i'm off to get train in about 20 mins and then have days' holiday tomorrow to go to case.

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Right, i'm off to get the train to Brum and read over my notes whilst trying not to panic. Will be back on line later

 

Arrghh! Court tomorrow - can't believe it!!

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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gizmo - thankyou so much for the email and the best wishes

 

wll probably be on line tomorrow morning before i go to court - arrrgggghhh!

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Errrr hello credit card company that also made me bankrupt and harassed me for year.

 

Made you bankrupt???

 

Erm... was it annulled, or are you trying to claim back charges incurred after the bankrupty?

 

Becuase if it's not one of the above the money you reclaim is payable to your trustee in bankruptcy, even if you have since been discharged.

Number of times I've asked 1st Credit for information that I stil haven't recieved... 55 as at 02/05/07 :!:

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Good luck tomorrow ;)

Citi Cards

- S.A.R sent 29/01/07

- Statements received 08/03/07

- First Request sent 12/03/07

- LBA Sent 21/3/07

 

Bank of Scotland

- S.A.R. sent 27/02/07

- Request for Payment sent 14/05/2007

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Hey guys

 

Any last pearls of wisdom would be great. i'm just putting my final bits together now....

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Hey guys

 

Any last pearls of wisdom would be great. i'm just putting my final bits together now....

 

Hi ace,

 

E-mailed you last night, insist on full disclosure, keep calm, good Luck, let us know how you get on.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Hi ace,

 

E-mailed you last night, insist on full disclosure, keep calm, good Luck, let us know how you get on.

 

gizmo - i wouldn't have been able to do this if i didn't have your email. thanks so much. you rock!! xxx

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Hey

 

It was all a bit annoying really. Got really prepared, and was quite pleased with my statement etc (if anyone wants a copy i'll email it them, don't want to post it here cos of Citibank spys).

 

Got into the court room, and the Judge let us know that in the Birmingham area they're grouping cases into 20, doing a full hearing on a sample of 3 of them and then ruling on the rest of them on the result of the 3. Judge Cook is dealing with all of them

 

Not sure why they couldn't have told me this before i went back to bham, took a days holiday and prepared my whole case but hey ho. At least if i'm one of the 3 cases i'm ready for it.

 

The Solicitor for Citi was veyr nice. Had a word with her after where she confirmed that they really are unlikely to settle. She also asked me why i bothered banking with them, and that i should just change banks which made me laugh!!! Errr cos they defaulted me, so i don't really qualify for other credit now!!!

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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Never thought of that, you're probably right....i'm going to make sure my preparation is water tight if i am a test case - will be doing it for the team!

 

Yeah, was going to ask you about the default....saw in your thread your tackling that?

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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  • 1 month later...

Hi All,

 

An update. After the judge saying my next court date would be in july it is actually now tomorrow. My dad is going for me as i can't get the time off work. I'm going for full disclosure as advised, hoping this will produce a cheque in the post. So fingers crossed for my dad. Will let you know how it goes tomorrow

------------------------------------------------

barclays - £2369 - 07/08 LBA letter sent, offered part payment, of £1000, 21/09 MCOL raised

cahoot - £400 - refused refund, LBA sent

marbles - £690 - settled in full!!!!!

citicard - £800 - LBA sent, offered part payment of £372

captial one - £700 - LBA sent, offered part payment of £256

mbna - estimated £1500 - awaiting response to Data Protection Act letter. still not received full set of statements so sent letter of complaint - awaiting response

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what happened?

Barclays Bank - SETTLED - £4225.00

First National - SETTLED - £125.00

Lloyds TSB - SETTLED - £994.87

Capital 1 - SETTLED - £827.95

Online Finance - SETTLED - £349.60

Argos - SETTLED - £121.00

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