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    • Thanks for your responses.  I feel a little bit better now.  I really got the wind put up me when I read about 'bad character and reprehensible behaviour of non-defendant witnesses' and the press guidelines from the Independent Press Standards Organisation. court-reporting-public.pdf (ipso.co.uk) Reporting Restrictions in the Criminal Courts (July 2023) (judiciary.uk) It's a tricky one because, without going into too much detail, all of the victims are of bad character already, otherwise they never would have met the accused, and I fear that the very much tumultuous relationship I have had with the victim that connects me to this case is going to be broadcast for all to hear. The accused isn't going to be anonymous, his name and even his home address were reported in the national press in the preliminaries.    Thank you.
    • How long is the finance arrangement for and how much has been paid?
    • From their own terms and conditions on the website... https://www.carfinance247.co.uk/terms-and-conditions 6.1 CarFinance247 Limited offers a: 6.1.1  web chat service ("Web Chat"); and 6.1.2  SMS chat service ("SMS Chat"), which, provided your application for finance has been approved and you have created a MyCarFinance247 account in accordance with these Terms, enable you to chat either online or via text message (as applicable) to one of our customer service specialists, without having to make a phone call.
    • I've had a text and email from MCB: "Dear XXXXX Please contact us today. Your payment has not been brought up to date and we would like to discuss your account with you as a matter of urgency. Our telephone number is 02039236888"   " Early investigations confirm you are resident at the above address. Despite this, we have not managed to speak to you about your now, seriously overdue debt.   We are now instructing our external debt collectors to contact you directly in relation to your loan account. If you want to avoid this course of action, contact us today on 0203 923 6888"
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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.

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      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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broke dave v LTSB ****WON!!!****


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Hi,

I have court date 23rd July ? I think this is for allocation, do I need to take any paperwork or money to pay any fees?

I thought they would have paid up by now. I have received 750 of my claim for 2025

Can anyone help me please?

Thanks

 

Hi

You have your own thread here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/90149-bank-charges.html

 

All your questions have been answered on there.

Barty:)

I WON!!!! :D :D :D

http://www.consumeractiongroup.co.uk/forum/lloydstsb-successes/1774-barty-lloyds-tsb.html

 

IF I HAVE BEEN HELPFUL PLEASE CLICK THE SCALES:)

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Thanks Gary.

 

I'll start printing now. Hope to get it all photo-copied by mid-day then off for a pub lunch to soothe my nerves :D

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Cheers BB. Been printing for nearly 3 hours now!!! Court Bundle almost done. Noticed one glaring error - but my Business Account Number on both of the nudge letters :mad: . Shouldn't have caused a problem as the schedule of charges has the correct number on??

Probably why they haven't paid me.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Right here goes, bundle printed out and consists of:

Witness Statement

Correspondence

Schedule

Statements

Case Law

Early Day Motion

Dunlop

UTCCR

UCTA

SOGA

OFT Report

Analysis of Unfair Terms

McNamara

Card T&Cs 2004

Letters from Bank explaining their "Guide to Banking Charges"

Orton Letter

Anything else before I start numbering?

If not it is off to Staples for photo-copying. Glad I've got an account with them!

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Scots Law Commission disguised penalties report. Linked from the court date thread.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Bundle already copied. Also, completely out of ink.

Can I add this when I am in court?

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Bundle already copied. Also, completely out of ink.

Can I add this when I am in court?

Yes, don't worry. Add it nearer the time if necessary.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Thanks guys & girls. Just got back from lovely pub lunch - but not relaxed; everyone wants to know how it's going. Talked for over 2 hours on the subject and don't even know what I'm talking about :o . They all said relax and stop getting up at 05.30 every morning. What do they know? :(

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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I really do know how you feel dave iv been trying to get it all done n dusted but there is so much to get my head round its always in the back of my mind niggling away at me!! iv got my bundle almost sorted now got everything that u have in yours. Iv still gotta tackle the skeleton argument i no that it is a break down of the points in my statement of evedence (i think) but i jus dont no what to put what points to write and how to word it all i just dont know!!

i jus want this over!:(

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Have just put Witness Statement and Court Bundle together. That's going i n Monday. Skeleton agument will be before the Judge - is that correct?-if so will get that in my mind over the next 2 weeks.

Good luck.

BD

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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nick, Forget that - it is for the Court of Appeal (if I've read it right)?

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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i think its just explaining what a skeleton argument is? dont say its wrong its jus given me hope lol il have another read but think it says that they are usually requested in appeals but can be requested for any order? i think

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Give it a go. I'm going to try anything I can to confuse the Judge and let him/her take pity. :D

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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jus checked the skeleton thingy it does go on about it 4 appeals but check out the last bit about individual case? am i right?

Skeleton arguments are compulsory in the case of all appeals (and full-court applications) to the Civil Division of the Court of Appeal, and in the case of all applications for permission to appeal (heard by a single judge), except (i) in cases which are heard as a matter of great urgency and (ii) any individual case where the court otherwise directs. Litigants in person are strongly encouraged to provide skeleton arguments.

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I still think it applies to appeals? However, I also think that your Witness Statement could be seen as a skeleton argument which you will expand upon in front of the judge.

As for sympathy I'm taking the wife, her 2 ponies and my dog!!!

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Hi Broke Dave,

 

While you are on line - what did you do about the schedule of charges? Did you send one to SCM and to the Court? I'm in the same position and am confused as to whether I need to do this or not. I sent off my charges with my letters to Lloyds initially. Have 9 point defence.

 

thanks.

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iv been ordered to include a skeleton argument with my bundle and my bundle to include a statement of evedence so dont think its the same thing? The only thing iv heard on ere is that is a breakdown of the legal points in your statment of evedence and that it should be no longer than a page??

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You need to send them to **** and to the Court. Although I didn't send mine to my local court. They will be in the bundle. I have been advised that this was an error.

**** now have 3 copies of my schedule and will receive a 4th copy on Tuesday.

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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OK I will send them off...thanks. No, I don't have a thread of my own... I guess I should start one? I am only claiming £645.00. (I say only but it's a lot of money to me, but a small amount in comparison to others!)

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broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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Monkey,

 

Please start a thread of your own. That way people can see your progress and help you along the way. The problem of posting questions on other people's threads is that everyone gets confused.

To start a thread go here:

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=11

 

In title put monkey v LTSB

 

We then know where you are.

 

Cheers,

 

BD

broke dave v LTSB WON £3840 2 weeks before court.

Mrs broke dave v Barclays accepted offer £355.

broke dave v LTSB (Business) Prelim stage.

broke dave v LTSB (2nd Claim) LBA stage.

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