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    • Now that is an interesting article which adds afew perspective that I hadn't thought significant - but on reflection of the perspectives offered ... Now Starmer is no Blair, however 'blairite he may be perceived, but the Tories aren't tories and aren't even remotely liberal   The fast 'unannounced and unexpected election call from sunack may well be explained by the opinion linked that he hoped reform would be unprepared and effectively call a chunk of Farages largely empty bluster - making him look even more of a prat, leave scope for attacks on shabby reform candidates and mimimise core vote losses to reform - while throwing the 'middle ground' (relative) tories TO THE DOGS - and with the added bonus of likely pacifying his missu' desire to jogg off to sunny cal tout suite somewhat   thumb in the air - I expect about 140ish tory seats, but can hope for under a hundred Reform - got to admit the outside possibility of 1, maybe 2 seats with about 8% of the vote - but unlikely. I think projections of over 10% of the vote for reform is nudged and paid for speculation - but possible with the expected massive drives from Russian, Chinese and far right social media bot and troll prods targeting the gullible.
    • Commentary June 2024 WWW.ELECTORALCALCULUS.CO.UK Interesting article about just how bad it could be for the Tories.  Also Tories could be hoping on Reform not having candidates in many seats, as they were not ready.  
    • Even a Piers Morgan is an improvement and a gutless Farage Piers Morgan calls for second Brexit referendum WWW.THELONDONECONOMIC.COM Piers Morgan and Nigel Farage have faced off over Brexit and a second referendum in a heated reunion on BBC Question Time.   “Why don’t we have another referendum about Brexit?” he questioned. “I seem to remember when 2016 came around we were told there was going to be control of our borders and it was going to be economically beneficial to this country. And eight years later we have lost complete control of our borders… and economically it seems to have been a wilful act of self-harm.”   ... Piers missed off : after all somebody said a 48/52 decision would be "unfinished business" by a long way - was that person just bul lying (again)  
    • when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
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    • 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.

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


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Sad arent we............... all hail to the power of the curry............ ooooooooooooo not much else in life comes close to the bliss of munching the curry.oooooooooooo for the curry................. aghghghghghggh.

 

I HAVE NOTHING TO FEAR FROM FAST TRACK, I HAVE NOTHING TO FEAR FROM FAST TRACK, I DONT REALLY, I HAVE NOTHING TO FEAR FROM FAST TRACK................... IM POOOR SO THEY CANT MAKE ME PAY COSTS, LOL LOL LOL, I HAVE NOTHING TO FEAR FROM FAST TRACK....... see its working................xxx curry curry curry,

 

Next question, is it a robust heavenly barolo to go with the curry, or a cheeky little chardonnay, Lolxxxx Ooooh decisions decisions...........

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Hedge, I will behave on this thread tonight, cos dont wanna get into trubble with the mods and we shall have playtime on

 

that other site we have been using as a banter thread, you know the one.

 

 

And then THE TEQUILA LOUNGE or should that be wine cellar..... thread

 

Got that.

 

Fendy xxx

 

See ya there anytime after 6 hun. No rush, just bob in when you can, Lol Lol .xxxx Hubby is deffo divorcing me the amount of time I spend calling to yeee lot............. he's getting well ticked off with me, lol lol, but he doesnt seem to understand, Its research for when I win. Lol I need to do research, course I do.......... Lol xxxx

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Hi guys its me, god have i been missing all of you! Brief synopsis of my last two weeks: Moved house, he didnt seem that bothered!, no computer yet so have been taking kids to library to use it there but they need to use my card so i'm stuffed! Found out that there is a third party in my relationship (and its not natwest!) and who has been not only in my house but in my BED, a whole week after i left!!! Nice eh. My gut instict tells me it has been more than a one night thing and i actually have evidence of this. Anyway, then my godmother died and i am now at my mums in the midlands using her friends computer!!! How sad is that. I have drunk too much after the funeral this morning and i feel like my hangover is kickin in now, plus i forgot my glasses and my eyes hurt from crying. Oh woe is me eh.

 

Anyway got a prelim hearing on 25th June, what do i need to prepare for this? Sorry for hijacking your thread Fendy but am on borrowed computer time at mo.

 

Need to say: A MASSIVE WELL DONE TO PARKY!! what a result!!!

 

Missing: All the advice, gossip, fendy, hedgey, parky and everyone else that has helped me out (there seems to be loads of new folks on here too)

 

Off to try to catch up on all your threads, read a bit of fendys but then that wen my eyes started to hurt (i wonder why). Seems like you can smell the spondoolies now hun

 

Hows the parents claim going hedgey

 

An... ANOther HUGE WELL DONE TO PARKY - love sparky ;) X

 

Love sparky

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Just a query, how come I am gagged for putting the other sites name (fun banter area only) when Im saving posting the junk and banter on CAG, and yet on the other site Im not gagged for putting the thread to CAG. ??? Theyre happy to leave it there..........

 

Just wondering. Explanation would be nice........

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Jetspark, I would simply read up on the Draft order for directions to familiarise yourself on anything you should be asking for, and I would also PM Michael Browne if I was you. Having just been through a phone conference myself and not being entirely prepared for it hun, I would hate for you to put any foot wrong. PM him, Im sure he would be happy to advise on anything you need to know prior to this.

 

Gawd your life has been hectic this last few weeks. You poor poor thing. Big hugs.......... keep us posted when you can. And remember, you made the right decision, you must know that now, and how happy must your girls be................ You are a brave brave woman, never forget that and we all think you are smashing............... RIGHT DECISION MADE, NO DOUBT AT ALL. HAPPY LIFE SPARKY, HAPPY LIFE........... Pop in whenever you can hun, and dont cry, HES SO NOT WORTH IT.............. you must see that.................... life has a funny way of making things turn out for the best, even though you might not see it at the time, in the long run, it works out for the best................ be strong, be happy. Difficult as it may seem, better life is just around the corner. Honest hun, BIG HUG AND LOVES............ FENDY XXXXX

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fendy i totally agree with things always turning out for the best...........forget him he isnt worth the effort!

cobbetts just in case !

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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Fendy

I have the full Berwick/ Birmingham judgement transcript in pdf format if you still need it ?

 

PM me an email address, and I'll forward it to you.

 

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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Mwahhhhhhh to you all :)

Fendy you can do it hunny bunny \o/

Well done Parky and a big smile and kiss to everyone else xxxxx The Flumpys back

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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How's the court bundle going Fend? Have you started on the index yet?

 

Okie dokie, claim stuff out of the way................. and what a gorgeous day it is!!!! Early to bed for moi last night so not got the usual Saturday mornin' hangover............... yaaaaaaaaayyyyyyyy!!!!!!!!!!

 

And Mr. Seahorsey.................. is you on or off dry land at the moment hun? Bet it's fab at sea when the weather's all luvvly jubbly.

 

HAPPY SATURDAY GANG!!!!!!!!!!!! xxxxxxx :D

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Thanks:)

Morning Fendy hows the fast track thingy going?

Hedgey bonjour!!!!

NatWest : £857.00 won! March/07

Natwest : Witholding my statements & adding defaults etc , S.A.R sent Jan/08

Natwest for my partner : £2,101.00 won! Feb/07

Studio Cards : Refund for admin charges £108 Won! Dec/07

Complaint made to FOS for P.P.I Jan/08

Nationwide: S.A.R - (Subject Access Request) sent for statements Nov/07 ( waiting to see what happens in the OFT test case )

Littlewoods : defaulted on CCA request Feb/07

DCA's that crawled out from the woodwork and have crawled back : 28 so far!!

My favourite link on CAG:

Click here: Can't Find What You're Looking For? Here's A Complete A-z Index - The Consumer Forums

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Just about to leave you all again Hedgey. Boat comes back in about dinner timeish, and I'll be out for about a week this time.

 

So GOOD LUCK WITH COBBLERS AND GNATWETS Fendy. I'll hopefully be able to pop my head in occasionally to see how it's all going.

 

There. Not off topic at all. ;)

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Morning peepies, and what a gorgeous morning it is in Oakies today. Little lad nattering to put the pool up, so have spent best part of an hour nearly fainting and seeing iccle sparkles in front of my eyes through blowing up giant rubber ring around the pool edge. Its one of those Intex easy up pool thingies, a big 10ft one, and boy do I wanna sleep now, Lol Lol. Those funny sparkles appear for a reason, thats when I shoulda stopped blowing, but nope, kept going and nearly wobbled over a few times. Feel all faint and funny now.............. probs gonna take about 7 hours to fill the thing and I darent even think what my water bill will be next quarter once its full, lol lol xxxx

 

NVM, Seahorsey, off back to sea, well try and bob in when you can my friend, I know life on the waves is busy, but we do miss ya you know. And you havent been around much this time when youve been back on dry land, we understand, setting up Mrs. Seahorseys hat shop, wow, best of luck with that, but do pop in when ya can.............. eughgghggh just thinking about bobbin up n down on the waves is making feel all queesy again, ugh, Oh dear, up chuck kicking in, Lol Lol Lol xxxxx

 

I think meeee banana smoothie might be making an appearance. Lol xxx

 

Well its not the full bundle I gotta do Hedge, its just a disclosure list, which is bad enough in itself, Lol. Its way too nice today to do it, and weathers supposed to be a bit iffy here tomoz so gonna crack on with it tomoz, and at home Monday so hopefully will have it finished on Monday. Not worried, completely got it now in my head, so its just a case of sitting still long enough in one place to get it completed (and believe me, thats very hard for me), always on the go.................. ants in meee pants usually. Only had two glasses of vino last night so feeling top of the world, no hangover or anything, yaaaaaaaaaaaaaaay.

 

Archer very kindly sent me a copy of Natwest terms and conditions for a year which I need, so I got them, thank you archer you uber darlingness.......... I cant thank you enough hun. Very very grateful.......... so working on any other loose ends I need to tidy up. Got offer today, albeit paltry from Capital One, £378, Im turning it down, obviously, and then can file at court next thursday anyway. So filing MCOL again on mine and hubbys Capital one next thursday cos they aint playing ball, so neither am I. And going for contractual on both too, Lol Lol xxxx Now I know what Im doing on here, Lol xxx

 

Right off to check on how the pool is filling up......... probs end up with every kid on the street in the back garden this afternoon, once the pool becomes common knowledge, cripes I might be back on here then for some peace and solitude to escape the noise, Lol Lol xxxx

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Ha! Glad I'm not the only daft woman in England putting stoopid pools up just cos it's sunny!!! Wouldn't mind - but they use all me clean towels as well when the blinkin' thing's up!!!

 

Gorgeously lovely day too here Fend - so's off to clean the house now aforementioned stoopid pool's done............. asda for some barbie bits................. then GARDEN FOR THE DAY!!!!!!!!

 

Don't even think about the disclosure list today hun - leave it till the weather's grotty! xxxxxxxxxx

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Too right Hedge, and dont worry about 6th July. We all completely understand. Twinkies would be gutted if you didnt go. But I do think we have to reorganise, we cant do it without ya Hedge, pointless really. So lets reorganise for another time. Everybody start putting suggestions on the Manchester Meet thread please, for suitable alternative dates............. Yaaaaaaaaaaaaaaaay for the sunshine. Of out myself now to finish garden pottering and house cleaning. Oh the joys of working part time, lol lol lol xxxx

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Right, clear head, pile of paperwork, i.e. natwest file in front of me, and raring to go on the disclosure list. Gonna take me hours, but not worried. I am so focused on this now its untrue. Not gonna start falling at hurdles this late down the race................ So thats me busy for the next few hours, got the day to myself, family scattered to the four winds today, so nothing else better to do right now, and weather cloudy but warm so what better time to start my list then now. Will be finished by tea time. Guaranteed................. then PM it to a mod to check over, and ensure its hunky dory ready to submit to judge no later than 26th June. Just a thought, if its ready this week, which it will be, can I submit it early, or do I have to wait till nearer the date. Fendy xxx

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Fends submit titas early as you want , but just make sure it is right. You will feel alot better when you have filed it at the court. Good luck.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Okies, thanks Parky. Much appreciated. Just thinking though, on the example of disclosure list in the templates, i.e the one done by karnevil thats the basis of the spready Im using, do i have to list my statements on there as evidence or not. Can I just list my charges spreadsheet, or surely I would have to list my statements, i.e. numbered 450 to 1150 etc. Sheet by sheet, or dont I have to mention them at all ??? It doesnt show these listed on the example disclosure list done by Karne. Do you know ??? or not ????

 

Thanks parky. Fendy xxxx

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I just sent copies of my statements with the said charges circled.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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Okies, ta Parky.

 

The thing I was wondering though. From what the Bank Fodder was saying, at this stage, all I submit is the actual list. I dont enclose all the original document copies I intend to rely on at this stage, is this right ???

 

or when doing the disclosure list, do I have to photocopy everything I am submitting in the list with the list itself. I got the impression from BF that all I had to submit was purely THE LIST itself, not the actual copies of the documents. Aghghghg, help is this right ?? which is right ?? getting confused now ???

 

Fendy xxxx

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http://www.consumeractiongroup.co.uk/forum/abbey-bank/57385-examples-witness-statements-disclosure.html#post479224 If Bankfodder says just submit the list at this stage. Then go with his advice.

A person is only as big as the dream they dare to live.

 

 

Good things come to he who waits

 

 

Its your money taken unlawfully from your account and you have a legal right to claim it back.

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