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    • depends what the fees are, typically nothing can be added once judgement is passed bar litigation costs. on document retention time limits etc at least 6yrs previous must be held though many hold complete info. as for acronyms and abbreviations ideally yes they should     
    • Still have to submit a statement either system....if they fail they can only give verbal because they failed to file and serve.
    • OP stated they had been arrested, but not charged (let alone convicted). They DON'T have a criminal record, but do have an entry on the PNC. That information stays on the PNC (Police National Computer) for life, but doesn't get released in a standard DBS. It only MIGHT get released for an Enhanced DBS (eDBS) check  ... but it would be incredibly unlikely. (The rational behind this is that eDBS's allow for 'information at Chief Officer of Police's discretion' ..... this covers the 2 'barring lists' and is also intended for the scenario where someone has multiple arrests or investigations, where safeguarding is a concern .... it was brought in after the Soham murders / Ian Huntley case, where the information known about the now-convicted child murderer may have prevented his employment in a school, had it been made available). So, for the sake of accuracy and completeness, arrests stay on the PNC for life, wont appear in a standard DBS, MIGHT appear in an eDBS, but in reality, would be the exception rather than the norm, and I can't see them being released  to a defense barrister. What then if the defence found out a different way, and brought it up in court?. Again, unlikely, but the important feature is that the judge would make sure they trod very carefully!. They MIGHT consider using it if there were other factors that allowed them to try to cast doubts as to the truthfulness of your evidence, but on its own : No way. Anyone MIGHT be arrested (if a seemingly plausible complaint been made against them)! The approach to take if it did come up is to be truthful. "Yes, I was arrested. It arose from a vexatious complaint. I wasn't charged, let alone convicted. That could happen to any one of us, if a vexatious complaint gets made" Far better that than lying, saying you'd never been arrested, and getting caught in a lie : that would ruin your credibility. I'm incredibly doubtful it will even come up, though.
    • we dont get N157 because its new OCMC but no court dont have evidence either.   Just seems a bit of a pointless wait but oh well
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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.

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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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Hippo v Smile


Micky the Hippo
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  • 2 weeks later...

my coop card have caved, all charges plus stat, shade under £400, well done them :)

 

as far as i recall they own Smile, who say they don't pay stat

 

so Smile still owe me stat plus AQ fee plus court fee

 

time to jog their arm I think

 

contribution when concluded, promise ;)

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Letter off to PW Kerns pointing out how much they've paid out and how little is still to pay to settle the claim, £1000 ish paid and £240ish to settle

 

I've 'appealed' to their good sense and bunged a copy through secure messaging

 

What does it cost them to apply for a stay?

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Hopefully they'l pay up the balance after they recieve your letter Micky, its peanuts to them, good luck with that one.. Kerns solicitors never answer their calls, ive rang them loads of times this week to ask if my copy statements arrived safely and all I get is an answer phone and they never call back, looks like another letter to them..Gc

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hopefully, it makes sense but I suspect sense doesn't come into it

 

if the coop card had settled before within the LBA deadline they'd have saved themselves a hundred odd quid in stat, not they've got the court fee on top of that

 

so I think they're just going to blanket go for the stay now

 

still, I look forward to a pleasant surprise, I'm all for having one less to worry about tbh, lets hope they are too

 

I think you can legally assume that something has been delivered if posted

 

and I'm amused with their lack of response as their letters to me asked me to acknowledge receipt

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An AQ (joy!) arrived and got filed under some statements without me seeing it, and off on hols on Sundays, luckily discovered and even more luckily I noticed there's no fee to pay at the last minute

 

off in the post tomorrow

 

the draft directions and the strike out applications ...

 

:rolleyes:

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Have a good holiday Micky. Sounds like you've done all you can for now.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 4 weeks later...

they've bounced one of my payments saying insufficient funds when there's stacks, of overdraft limit granted, all sorts of odd charges floating around, 11 days overdrawn, no idea how they work that out

 

secure message informs me that they told me in January 2007 that my overdraft would expire this weekend past

 

no message that I can find, although I do now see that they only renewed one of the two accounts' overdrafts last month

 

a furious secure message has gone off 'in dispute', 'ethical' 'in front of the judge' and 'good practice' bandied about

 

on the phone to them tomorrow, I dread to think what sort of manic nonsense I'm going to hear

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two long discussions with two separate customer service people today

 

after much argument, mentioning of the banking code, the ombudsman, and the judge at Edmonton County Court, all charges have been refunded and the overdraft restored

 

'bank error' has been admitted

 

'nothing malicious' was proffered at one point when I think my secure message insisting the account was in dispute was read

 

hard work but not all bad fun

 

complaint made and apology/compensation for time/stress/embarassment suggested

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Well done Micky. Seems a bit odd telling you your overdraft would end in 9 months and not reminding you nearer the time.:rolleyes:

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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thanks caro

 

I've now been offered £25 for my troubles

 

I've said ok as long as I get my £12 late payment fee charged by the credit card

 

Else I'm going to the ombudsman/thingy person

 

They didn't even say it was ending in 9 months, they say they said they'd review it in nine months time

 

They now say that they should have told me that they'd decided to withdraw the overdraft

 

shock horror!

 

people are being spoken to apparently

 

took me an hour on the phone arguing forcefully and with facts to get them from a polite but firm 'tough ****, that's the way it is and we've done nothing wrong at all'

 

all quite amazing really, even for a bank

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  • 2 weeks later...

can you believe when they renewed my overdraft they charged me £15 as a renewal fee

 

'bank error' they said and refunded it when I challenged it

 

and Edmonton County Court have stayed the case 'pending outcome of test case'

 

stoopid as they're repaid all the charges, all that's outstanding is a little bit of interest and my court fees

 

I pointed this out to Smile to a deafening silence

 

on another tack i'm stuck at home with a fractured shoulder bone, torn chest muscles, very skinned forearm and a medley of bruises and nicks and cuts after a high speed somersaulted over a freelander turning right in homicidal fashion

 

four month old Cannondale written off big style, helmet totalled, cycle top now with authentic blood stains

 

CTC's hopefully kick arse lawyers are on the case, soon to be furnished with the statements of an implausibly large collection of eye witnesses

 

fingers crossed they resolve it before the oft test case, no cycling for me for six weeks anyway, back to work on Monday (cheers doctor)

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  • 1 month later...

gee, thanks for the sympathy

 

a letter from Co-Op saying that my cc is about to expire and they are declining to renew it, keep making the payments and stop any debits etc

 

not fussed and happy to make the payments but is there anything I should do? insist it be converted to a loan or something

 

although the coop card settled in full, my claim is against the coop card and Smile jointly and Smile are yet to pay anything beyond core charges so presumably the account is under dispute?

 

perhaps?

 

any ideas/advice?

 

 

ooo and Smile chucked £40 of charges in last week and couldn't tell me what for, bless them, it turned out after my furious repeated complaints that they were due to the charges wrongly applied a month ago for the wrongly withdrawn overdraft

 

they said sorry and gave the £40 back

 

they really are getting sloppier and more scatty by the day

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  • 1 month later...

Is all well after your accident?

-----------------------------

I’d agree on them getting sloppier. I had a secure message which said a delta payment could not be made and it was in fact a deposit into the account?

 

But they do seem to be getting slower to answer questions, if at all. When you do get answers they can be fairly amusing. I asked how they could justify 200% increase to ‘commission’ charges from £10 to £30 over 4 year. Answer: "I can confirm that the charges that are in place at present have just been reviewed and these have been agreed as fair." :lol:

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  • 1 year later...

micky here after all this time trying to remeber what happened and what didn't all those years ago

 

um, I got better fairly quickly but my neck has never got better even after physio, I rather foolishly settled the insurance claim as the wife as a new kitchen to pay for

 

still doing excercises every day, tendons down the sides of my head always a bit sore to really painful

 

but otherwise fighting fit from something that might easily have killed me so no real grumbles here

 

anyhow, it seems I had an active claim against Smile all those years ago

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