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    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
    • Speeding (Revised 2017) – Sentencing (sentencingcouncil.org.uk)  
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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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Castlebest II - Return To The Claims


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We are all with you in spirit Pete and we will all be thinking of you on Monday and will wait impaitiently, oooops patiently, for you to tell us how you got on. As lattie says you have taught us all well and we are all in awe in your excellent expertise. I wish you all the luck for Monday and I will definatley have everything possible crossed for you.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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A copy of the judgment transcript for a stay application hearing Carlisle v Clydesdale Bank has come into my possession :) High Court Judge sitting in a Mercantile Court so this will probably be used in other County Courts.

 

Very interesting reading because His Honor Judge Behrens details his reasoning behind the judgment.

 

In broad terms the judgment upholds the stay only until first instance judgment in the test case, then the stay to be reviewed within 28 days of this with the expectation that most of the issues will have been clarified regardless of any appeals the banks make. (he expects the stays to be lifted after the first instance judgment)

 

He was also concerned regarding the continuing regime of the banks during the period of the stay, his answer was to do nothing more than allow the claimant to ask for the stay to be lifted if the bank proceeded with debt collection or default notices during the period of the stay. (but only where this applies to charges NOT general overdraft)

 

So I think that will do me nicely, HSBC will just have to wait until the stay is lifted to chase for their money back or chase me and the stay comes off and we can talk in front of a Judge :D.

 

If anyone wants to see the full transcript PM me your email addy's and I will send it to you.

 

pete

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All the very best for Monday Pete, hope it goes well for you Mate.

 

We'll all be waiting with bated breath.............:) Laffin!!!!!!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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:p I'll keep clickin' your scales until you do......HaHa! :grin:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Gotta go mate, when you get to my age you get tired

at this time of night ;) Night-night all! :)

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Just as a foot note to this week... I type things as I see them.. hopefully what I type helps or at least inspires people to screw the people who screwed me :D.

 

Three wins in a week is brilliant under the present circumstances I think you all deserve a big WELL DONE :D makes it all worthwhile.

 

pete

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your advice on this site is invaluable & i hope the outcome on monday will make it 4 wins this week. :)

 

just you make sure you let me know as soon as you get outside the court when youve finished with them :D

 

good luck, everything will be crossed for you here too - i'll be thinking of you x

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Monday is next week and I will settle for the Leeds judgment because I know the greedy so ans so's don't talk to each other and they will try to recover there "debt" and the stay will be lifted and they will get both barrels :D

 

easy target with corporate loser's :D

 

pete

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pete best of british on moday love... you deserve it more than anyone... you contribution to everyone else on here is always spot on and totally invaluable... got a little red envolope with your user name in it and date for court (its a chinese good luck ritual) so go ged em....

 

debbie xx

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jm - you show my yours - i'll show you mine...............

 

Missed this earlier on Latty -O-o-oh ! You are awful ... but I like you! x :p

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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edit - before I put my foot in it!

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch 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.

 

 

If you think I've helped you please feel free to tickle my star :-D

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You know why Pete, i see you Laffin . .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Pete. The very best of luck tomorrow! You won't need luck though. Just make sure you don't forget anything!:D

 

The wins we have seen this week have been down to the input and hard work of a few people but you can take alot of the credit for them! I am sure there will be others who agree!

 

Give em hell bud and take no prisoners!:D

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