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    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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 
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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.

      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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Tom Brennan v NatWest - This is a must-read!!!


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Dread to think of the consequences if he does lose!!

 

If he wins he will a hero but if he loses.........

 

I understand that he is a campaigner and rightly wants to take credit but I think that him using the term 'being shafted by the banks' is a bit risky especially when there is less than a week to go before the case is heard.

 

Luckily I received an offer from Nasty Vest yesterday so I think that I will get the acceptance back to them prior to Monday-just in case the whole issue gets thrown out.

PPMAN159

 

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Let's chill out a bit here. It is extremely miniscule that the charges will be ruled as not penalties. As stated many times previous. Contract law is firmally entrenched within the British legal system. Nat West know this, and so do all the other financial institutions presently paying out millions in compensation. Whether the damages issue is proven is another matter. The out come of this is the really interesting part of the Brennan claim. As these penalty charge cases progress. Someone was bound to turn the heat up on the banks. That is human nature in fighting wars throughout history and their might not be people being physically injured, but alot of people have been hurt by these unlawful charges.So we are in a war of sorts against the banks. Stop panicking and whatever the outcome of Brennan's case we will adjust accordingly and continue our fight to regain what is lawfully ours.

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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Tony,

 

I have just gone onto tom brennans website, after the 30th (give him a couple of days he says to update), he will be posting his witness statements and POC's and has given permission for anybody to copy/use them.

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Power tends to corrupt; absolute power corrupts absolutely - Lord Acton.

 

Advice offered by MattyH is without predjudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt. Please research any information I have offered, as I will not be held liable for any incorrect advice i've given you.

 

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Lets just hope that he is successful.

 

Tom seems to be confident in his own abilities and I personally cannot see him losing as I find it hard to believe that the Nasty Vests can offer any form of sane defence.

 

But there is always an element of doubt on these things as this is the first case of its kind and as such there will be a lot of pressure and focus on the judge and his findings.

PPMAN159

 

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I have had contact with Mr Brennan. He is very secure in his beliefs and is focussed on what this case entails. Yes he could lose everything if he loses the case, but at least he has had the backbone to stand up for what he believes, which is more than can be said for many barristers and others in his position.

 

Re the Judge, he his giving 100% to the case. After a conversation with Mr Brennan after his initial hearing on 13th April i would guess the JUdge wants to do a complete job and I feel this will be the case.

 

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here, here:D

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

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I think that srfrench is slightly miffed that Tom si doing it as he wanted to do it and has been talking about it for ages LOL.

 

but can someone confirm to me whether this is county court or not and that this hearing is purely about damages

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Guest NATTIE

mistermind, you didn;t qualify that in your original post so i am grateful for a clarification. The hearing is specifically on whether it is a contract dispute(NatWest argument) or punitive damages(tort I believe). That is what the hearing is about. If he wins the consequences are huge, if not, then it may drag further on. We wait in anticipation

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From Wikipedia :

Mayor's and City of London Court is a County Court in London, England. It is located at Guildhall Buildings, Basinghall Street. It was created in 1922 from the Mayor's Court and the City of London Court.

Address:

 

Guildhall Buildings

Basinghall Street

London

EC2V 5AR

England

 

DX 97520 Moorgate EC2

 

Work Type

Admiralty

Civil

Trial centre

 

Contacts

 

Court Manager : Mrs C. Thickins

Listing Officer : Mr V. Cullen 020 7796 5413

Customer Service : Mrs E. McIntyre 020 7796 5400

Bailiff Manager : Mr M. Newley 07899 068882

 

Opening Times

 

Court building open :

9.30 am

Court building closed :

4.00 pm

Court counter open :

10.00 am

Court counter closed :

4.00 pm

 

 

 

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County courts are not precedent setting courts. If i am wrong i stand corrected.

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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County courts are not precedent setting courts. If i am wrong i stand corrected.

 

To the best of my knowledge from my days in insurance claims, precedent can only be set in the higher courts and normally in the court of appeal.

 

I say this as there are several precedents used in insurance claims that have been challenged and only accepted as case law once the court of appeal has upheld the original judgement. Ultimately, a matter cannot be considered precedent until it has been before the House of Lords which is the highest legal authority in the country.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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civil courts are not generaly precedent settings courts, however due to the simple fact that the whole issue of bank charges has become so big, if a DJ in a small claims court did finally get the chance to rule on this issue, then it would almost certainly make the tabloids and in a roundabout way set a huge precedent !

 

Every DJ in the land would then here about it, every reporter would want the story, the oft would make comment, the fso would make comment, any judge from that point onwards would have it in their minds from then on that a ruling has been made..and in my opinion woud follow suit each and every time.

 

precedent ? :lol:

Dont Rush - Take Your Time - Dont always take me seriously

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Online Finance - Case Charge+CI+Damages+costs

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civil courts are not generaly precedent settings courts, however due to the simple fact that the whole issue of bank charges has become so big, if a DJ in a small claims court did finally get the chance to rule on this issue, then it would almost certainly make the tabloids and in a roundabout way set a huge precedent !

 

Every DJ in the land would then here about it, every reporter would want the story, the oft would make comment, the fso would make comment, any judge from that point onwards would have it in their minds from then on that a ruling has been made..and in my opinion woud follow suit each and every time.

 

precedent ? :lol:

 

Sadly, the press don't set precedent, they simply sway public opinion.

 

If a District Judge were to rule against a bank, the bank would pay up to avoid the next part of the process.

 

In the Court of Appeal, disclosure of actual costs would without doubt be a key factor and would be ordered. That would establish without question that charges are a penalty and therefore unlawful.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Any way Cobbett slayer you set your own little precident. Whacking Cobblers into touch. :)

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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