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    • This is the dilemma I had then and still have it. The bit that stopped me was the post 2015 comments about them being enforceable now in most instances which I feel hasn’t been answered unless I am missing something. the bonus I guess is not all credit agreements now will be chasing me so less people chasing me down so to speak. this is the problem as there is conflicting messaging out there it is hard to plan a strategic way forward 
    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
    • No doubt the hotel will have security cameras on the floor you were staying to confirm or deny the allegation??   The only compensation you will probably get, which will be discretionary as a goodwill gesture, will be a credit voucher for the entire hotel group. Very much doubt anything more than that as you have not substantiated, the hotel committed the transgression 
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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.

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      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.
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      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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Fendy v NatWest - 16K - **FINALLY WON**


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Hmmmm............. you've missed a trick though Fend. Under the circumstances, you really should have got the camera poised and ready to take a fabby piccie of hubby looking like a bit of a pooooooof in yer girlie car!! I mean, these things are called 'bargaining tools' honey!!!! :D :D :D xxxxxxxx

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Hedge, ur right. Im not as quick off the mark as you though hun, thats my excuse......................... lol lol xxxx

 

Okies, just finished my rejection letter for hubby to Crapital One too. So done. Walking down to local post office with dowgeee in an hour to post em all, on account of on shanks pony today. Lol xxxx Hubby having girly poofy car and all. Lol xxxxx What a sight, He was soooooooooo sheepish driving off this morning. Lol Lol Lol. xxx

 

What a huge missed opportunity. Lol xxx Right, sun is shining, looks like its gonna be a grand ol yorkshire day, and so Im off to catch up on a few jobs and make the house ready for invasion of neighbours this evening for footy and curry. Im sooooooooooo glad the Becks is back on the team, not cos hes brill or anything, but just cos he brings some sort of mood with him that seems to settle the rest of the team, hes a sort of BRINGER TOGETHER of the team me thinks, even though his football aint spectacular, but boy can he send a good cross. NVM, enough of me n footy, I will have ya all asleep. Well 10.31 and nothing from Cobblers yet. Im gonna leave it as late in the day as poss before I e mail again, as it was only late yesterday when we talked about dropping a bit so Im sure it will take uber paralegal a while to get answer from Nutwest. You know how long it takes Nutwest to send a simple acknowledgement to any of us at the start of all this, so probs will take ages. Lol Lol xxxx What a lovely day, and KW at Cobblers if youre reading this, even if you come back to me with a No, you cant spoil my uber lovely day. Im happy and I will see yaz in court me dearies if the answer is no. Lol xxxx Happy Friday one and all, even KW at Cobblers................. oooooh bet your workload has increased somewhat with AM being off sick, Lol xxxx

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ooo fendy when they going to phone!?..................

ill check in later

additions direct-no CCA

marshall ward-no CCA

next-CCA turns up after they have committed offence,(30 days) S.A.R - (Subject Access Request) time!

monument -CCA not signed reported to TS for harrassment 1st letter sent TS are useless

associates visa-no CCA

think there might be a pattern here!?:lol:

GE Money- won

barclaycard-- N1 put into court

capital one - won

NatWest- won

 

never lose sight of your goal!

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just catching up, will check in when I get back from fetching me lunch - ultra healthy chicken burger meal from local pizza place lol. Well its got salady stuff on it so that's sort of healthy........

 

Hurry up uber legal person- PHONE F£NDY!!!!!!!!!!

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I WON.......... THEYVE HAPPILY AND QUICKLY I MIGHT ADD, SETTLED ON £15,500 EXACTLY, NOT A PENNY LESS................. AND GUESS WHAT, THE PARALEGAL DID READ MY THREAD. SHE WAS LAUGHING................. CHEQUE WILL BE WITH ME TOMORROW BY SPECIAL DELIVERY.

 

YAAAAAAAAAAAAAAAAAAAAAAAAY FOR THE UBER UBER UBER ULTRA FRIENDS AND VIRTUAL PEEPIES ON CAG. I CANNOT THANK YOU ALL ENOUGH. I JUST DONT KNOW WHAT TO SAY. IM SPEECHLESS. MY DREAM IS A LITTLE NEARER NOW. IT GOES WITHOUT SAYING MODS, I WILL BE MAKING DONATION TO CAG AS SOON AS MY CHEQUE HAS CLEARED. HOPEFULLY BY NEXT THURSDAY. To my buddies, OMG what am I gonna do now. I will have to shift my ramblings over to the Abbey thread thats still ongoing............. what will I do without you. I will still chat to you but perhaps we better use Hedges thread in future otherwise mines gonna bust Im sure.

 

Parkvale, Nattie, Hedgey, Enaid, JonnyD, The absolutely spectacular Michael Browne, Mr. Bank Fodder himself, Archer, WendyB, and the wonderful Mr. Seahorsey, and everybody, everybody, anybody Ive not mentioned, simply because theres just so many of you. THANK YOU SOOOOOOOOOOOOOOOOOO INCREDIBLY UBER MUCH. I COULDNT HAVE DONE IT WITHOUT YOU. PLEASE TAKE IT FROM ME. HOLD YOUR NERVE NO MATTER WHAT. YOU WILL GET YOUR MONEY, YOU WILL. ITS JUST PLAYING THE GAME.

 

Im speechless, lol lol, dont faint, thats a change for me I know. I have it in writing in an e mail they are settling today so nothing to fear, and no clauses attached either re gagging orders, I told them I wouldnt sign any gagging orders point blank.

 

I cant believe it. IVE WON.................................. WHAT A HAPPY FRIDAY. PARKVALE THAT FOUR LEAF CLOVER WAS SO LUCKY. THANK YOU MY FRIEND. SINCERELY TO EVERYBODY FROM THE BOTTOM OF MY VERY LARGE HEART, THANK YOU THANK YOU THANK YOU. THE INSPIRATION AND ENCOURAGEMENT YOU ALL HAVE PROVIDED IN HUGE BUCKET LOADS ALONG THE WAY has been whats made it for me. You are all so wonderful I just want to squeeze you all to death. Thank you. You lovely lovely lovely special and wonderful people. You sincerely have restored my faith in mankind and the goodwill of other human beings. a thank you could never be anywhere near enough as to how grateful I feel to you all. This site is just the best ever.

 

I want to cry now Im so happy. And I want to give you all a huge big mega hug. Thank you.

 

Fendy

 

Wendy Jayne Feather, there, name in full, not hiding behind a fake one anymore. Thats me.

 

Wendy Jayne Feather. Yaaaaaaaaaaaaaaaaaay xxxxxx

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Fendy a huge big CONGRATULATIONS!!!!

to you!

 

What a result, you truly deserve it after the hard work and graft you have put in. So so pleased, you give inspiration to the rest of us.

 

Well done - now get out in the glorious Yorkshire sunshine n go shopping!!

 

Love Fiesty

 

P.s. lend us a tenner....!

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Aaaaaaw peepies, thank you. Im breathless now, just finished dancing around the pergola in the garden, kids, dowgee, and guinnilly piggies all think Ive gone mad, but tis such a gorgeous glorious sunny day in oakies today, might go get naked and run round the garden, lol lol lol xxxxx nah, would scare the neighbours. Lol Im soooooooooooooooooo happy, and the weird thing is its not really about the money. Its such a sense of pride in myself that Ive taken on the big bully boys and won. Yaaaaaaaaaaaay I feel ten feet tall. xxxxx

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YEEEEAAAAAAY FOR FENDY WENDY!!!!!!!!!!!!!! OR SHOULD THAT BE W£££££NDY??????????

 

:grin: :grin: :grin: :grin:

 

BIG HUGS AND CONGRATS

 

From the other less rolling in dosh Wendy lol

 

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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Nah Enaid, I booked the jollies from my Britannia Building Society savings account, the overdraft was gonna be for the spending money, lol lol lol, so Im

 

a) not even in overdraft,

b) still have overdraft intact if ever I need it for a rainy day

c) have lovely holiday booked to look forward to

d) have lovely holiday spending spondoolies now

e) account at nutwest in credit and has been for some time

f) have not been threatened with either account closure or overdraft removal

g) me thinks they might actually want my business, and do you know what

Im gonna continue to bank with them as they have been very fair at the end. Call me made, call me stupid, but I hate learning new pin numbers for cards so as this one is embedded in my brain, Im sticking with them, cos its one of the only banks that doesnt have a call centre in bl**dy taiwan or bingy bongy land...................... lol. I still have a Barclays, Woolwich, and Alliance and Leicester current account to fall back on if I need em in future, just in case Nutwest ever gar *rsey with me cos of my win. Right, just waiting for second lot of statements from Nutwest going back over 6 years then gonna start the whole thing again. Cripes, my poor nails, theyve gonna look horrible for another six months now. Bitten to the wood. Lol Lol xxxxxxxxxx

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Fendy

 

CONGRATULATIONS !!!

:D :D :D

 

 

(Now your off on hol's, maybe our eyeballs can get some rest for a while)!

 

LOL

 

:razz:

 

 

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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Yaaaaaaay my sentiments exactly Enaid. Back to where I started from with my lucky iccle faithful dowgeeeee. avatar................... Yaaaaaaaaaaaay, and thank you so much for the congrats everybody. It means so much............ Wendy xxxxx

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Congratulations Fendy!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

I have been reading your thread for ages and you have been such an inspiration to me.

 

I'm so happy for you, you deserve - go spend, spend, spend!!!!!!!

xxx:D

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