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    • Seen a number of videos online of interviews with people in town centres around the UK. Those that say they will vote Reform can accurately be described as 'Gammon Faced'. So frustrated with life in 2024 and yearning to switch the clock back many decades, they don't really care about the policies of Reform. What appears to appeal to them about Reform is an old fashioned nostalgic outlook, of trying to get the country back to how it was a very long time ago. Yes much of this is about immigration, but it is also about many other issues such as Equalities legislation, Human Rights etc, which they believe have gone too far. For the above reasons, I don't think many who are looking to vote Reform, will switch their votes back to other parties they have voted for before. From what I have seen in polling, 70% were previously Tory and about 30% Labour. The Tories under Sunak can no longer appeal to those who now back Reform. For example, I doubt any Tory Government would support leaving ECHR, because that would most likely be opposed by the majority in the UK. And many Tory MP's would not support leaving ECHR and the House of Lords would block anyway ignoring any conventions to give way to The Commons. A combination of Brexit, Reform lead by Farage and the average age of this voter demographic is quite likely to lead to the extinction of The Conservative party. What may happen after this election is that the right of politics splits into new groups. Some Tory MP's are likely to jump ship and join Reform. And others will try to relaunch the Conservative brand as a centre right modern party. This could possibly lead to the Lib Dems becoming main opposition party at some point. The outcome of this election could well significantly change UK politics forever. And it is not just about the future of the Tories, Labour with a huge majority may find it difficult to keep some on the left happy with Government progress on tackling some issues. So we may see a fracture within Labour support and new parties formed.  
    • Desperation. They must think people have forgotten what Johnson was like as PM. Tories turn to Boris to combat Farage threat WWW.TELEGRAPH.CO.UK Former PM signs letters to wavering voters amid warning Labour could be in power for a generation if support goes to Reform  
    • I hope Labour keeps its word about investigating these contracts. Boss of US firm given £4bn in UK Covid contracts accused of squandering millions on jets and properties | Coronavirus | The Guardian WWW.THEGUARDIAN.COM Exclusive: Rishi Sunak’s team helped fast-track deal with firm founded by Charles Huang, who says contracts generated $2bn profit  
    • After only four years, the Stoke-on-Trent facility now reaches hundreds of people in the community.View the full article
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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.

      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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Cassie v Abbey *** WON ***


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Cassie, tell them all your money :) that you will be happy to pay their true charges if they would reveal them - you are in the driving seat here, if you hold out, you will get

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Tell her it's your money and you want all of it asap.

 

Ask her to send you details of how their charges are worked out so you can see if the amount she wants to deduct is fair and reasonable then you'll get back to her. (cheeky I know but it might work). :)

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Well i read the report, but dont worry, it is just one judge in one court, none of the others have shown the slightest inclination to rule in favour of the banks, dont worry about it, i think that there will be an appeal on this one - hold out for your money or settle for a LITTLE bit below, dont let them bully you!

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

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this is from Gary H

Once again....

 

This is ONLY one single small claims judgement. One single district judges interperetation. There is no precedent.

 

NatWest won a claim back in 2005 using exactly the same legal argument, in simular circumstances to this. Have they defended one since? No, they haven't. Have they paid every claim since? Yes, they have.

 

The most significant thing in all of this is the publicity it brings as the issue is in the mainstream media now whereas in 2005 it wasn't.

 

The only way Lloyds will take a lasting victory from this is if everyone panics and abandon's their claims. Don't let them win - carry on as norma

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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i dont think that this matters Cassie, if they try and bring a conversation into court it is just "he says, she says"

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Thanks Lula

 

I'm hanging on by a thread (no pun intended) to all responses.

 

Should I wait until tomorrow to call her - I said I'd get back to her.

 

Cassie

 

(I'm really desperate for this money)

 

Cassie

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Can someone also advise me:

 

I read somewhere (I've read so many threads - I've been on this site for 6 months ) that when talking to them you say "Without prejudice" before participating in a conversation. Should I say this??

 

 

 

Hopefully this will explain it more for you

 

Privileged, Without Prejudice, and Without Prejudice Save As to Costs documents. - Alway Associates

 

Cassie be patient they are trying to reduce your claim short of £1k before you go full steam ahead think what you could do with that extra money, I know it's hard but hang in there I am sure you will be glad you did.

 

Don't let them think you are desperate

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call her tomorrow, your in the driving seat and just have a quick read of my new thread about the Lloyds win. There's nothing to worry about. If they are prepared to reveal their true costs then you are prepared to reduce your claim by the same amount.

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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Hi cassie,

 

and you said you'd not won yet...................it's starting to look that way to me:) :)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Thank You Everyone:)

 

I will call her tomorrow.

 

This has been such a long road to travel (with vey good company)

 

For some reason I'm feeling really emotional (and scared).

 

I'd give every penny away if it would bring little Madeleine home.

 

Cassie xx

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I'd give every penny away if it would bring little Madeleine home.

 

 

Go and light a candle and put a yellow ribbon out for her, I am sure she is not far from any of our thoughts right now.

 

Tomorrow is another day with different emotions, hang in there Cassie we are all behind you

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Hi cassie,

 

Tell us how you're getting on. We all love hearing about winners:D

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Charley

I'm sitting here trying to get enough courage up to call her:!: :o

 

Cassie

 

Well,PM me first, and tell me what you're going to say.

 

cf

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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Hi All

 

Well, I called her a few minutes ago.

 

She only wanted to up the offer by £50!!

 

I said there was no way I could accept that.

She went on to say "in light of the outcome of yesterday's court claim they wouldn't be offering 100%............etc.etc.

 

I told her I disagreed but I would be willing to settle for a minimum of £5000.

 

(I'm sorry Charley, I lost my bottle.)

 

She said she'd get back to me by the end of the day.

 

Cassie

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