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    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
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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
        • Like

jshtr3 v Lloyds TSB **WON** (no, really!)


jshtr3
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I just turn the inside out myself.:D

:x if i have been off any help to you please click my scales

 

cases won

28th July Single Claim for bank charges against LTSB, £6,800 WON with CI to date of Judgement

 

18th July Joint Claime against LTSB £7,800 WON with CI to date of Judgement.

 

 

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Yes, pass me the Mr. Sheen and a duster and I'll be right with you:D How you feeling today? I was very sad when I heard your news before you signed off last night. Felt a bit guilty for being so happy when you'd had a pants day!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Pen, that would be a neat trick!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Get it "neat trick" ;)

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Mr Sheen - he sheens and shines in sheconds - what a boy! I am fine about the barky - it was the right decision.......... I don't like to play God. I know he is in a better place today . Thanks for asking.... No smilies to be had - thanks though - much appreciated.:)

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Good to hear you're ok. I thought Mr. sheen shone umpteen things clean, flew and areoplane and looked a bit like a wierd uncle of mine!!! I never polish anything anyway (except my guitars;) )

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I know nothing about guitars, but Mr Sheen shertainly shined my house yeshterday:)

 

With regards to strange looking uncle jsh3tr - he's related to you - what do you expect????;)

 

Hello Mac - how's your claim?

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After your win, you'll be investing in a Martin I would have thought
I have one already. My next big buy will be a Taylor 815 but I have seen and played a rather nice Guild recently (love the old Americans) but whatever it is it will be a Jumbo! Unfrtunately this win is going on the house though:(

 

he's related to you, what do you expect

 

Only by marriage. Does this mean I'm contagous:eek:

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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No you wouldn't, it's very boring. It involves a girl bogging off with all my money:eek: God I'm a mug sometimes!!!! All that maters now is it's getting fixed. Who knows, I may even have enough left over for a new doorbell for ya, ding dong!!!!!

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Bloody wimmin! Can't wait for me doorbell - doesn'thave to be anything fancy, but I will shertainly make shure I shine it with Mishter Sheen.......:D

 

One question - how did the gaff end up in such a state - did she trash it?

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No, we bought it as a rennovation project and split up half way through the knocking it to bits stage. She took the development money (as well as the shirt off my back and some of my favourite music) and I was left struggling to keep up with the mortgage (new business) and living in a hovell. Bank hit me hard (£750 in 2 months) and thats how I ended up here Things much better now. Work going well and have managed to do bits but couldn't get enough together for the big stuff (windows, doors etc) All good now though. Onwards and upwards:D

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I'm off to the pub soon, You coming?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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I'd so love to, but the kids needs looking after and OH would be furious! :( Have a pint for me - you have had a good week all told - time for a celebration methinks!!!:D

 

Please tell me you have put some clothes on..........:p

 

Look out for any goldigging birds!;)

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Yes I have clothes. Went to NEXT sale this morning specially for the occassion. Yes it has been a good week but can't celebrate too much as I have stuff to do tomorow. In Clitheroe :eek: (lovely place from what I remember) so you'll have to drink that pint yourself for now;) Enjoy

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Just been to the bank, Cheque cancelled again. Was showing as cleared yesterday. IS this something to do with the test case?

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Tell me about it! It's also getting expensive as I paid my tax bill yesterday with some of the money!!! I'm now £1400 overdrawn:eek:

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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The 21 days permitted by law for Lloyds to act following the service of a Statutory Demand has expired and they have failed to apply to have it set aside.

 

The next step is very clear and there really is nothing they can do about it.

 

They have issued three cheques, one of which never even arrived and the two that did have both been dishonoured.

 

I have PM'd you.

iGroup (GE Money) - AoS Filed late, defence late, amended defence also late despite extra time requested and granted.

Vanquis - Claim issued, no AoS or Defence received

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