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    • If the legendary dx could offer his wisdom it would be greatly appreciated 
    • Hi there Manager for our soccer sixes team moved overseas mid season and we struggled for numbers so we told the ref about 5 weeks prior to seasons end that we would see out these games then be done and he told us he’d ’pass the message on to the relevant people’. Heard nothing, then 3 days prior to the new season beginning we were given our fixture for that weekend. Told the guy over text we had pulled out and the ref should’ve passed a message on but we were told sufficient notice wasn’t given and it needed to be in writing. I argued it’s not our fault the ref didn’t do as he said but we were countered by the T&Cs.    now being chased for what was £608 kindly reduced to £476 to pay off remainder of the season. Been sent a letter in the post from their accountancy team and told needs to be paid by Friday.   seen a lot of the other threads saying we can literally just ignore everything but im concerned about debt collections and credit score being harmed. Can anyone confirm if this all works/what we should do?   thanks
    • Hi,   I have given an official police witness statement for the prosecution in an upcoming criminal court case, and I am very anxious about what might happen.  Specifically regarding being cross-examined.  My statement is very short, and only a couple of paragraphs long, regarding a conversation I had with one of the victims.  I have tried to research online about what information about me the defence barrister might be able to find and use to discredit me.  I have by no means have a shady past but, I am concerned about what private information might be brought up, and as this is a case that will be in the national press as it is in the public interest.  The two preliminary hearings were reported in the papers.   I have tried to research  online what information the opposition can seek, but it is all very complicated.  I believe that they can legally access public records, but I'm not sure what information public records hold.  Can they access my medical records, educational history, HMRC, and Department for Work and Pensions? (I am a self employed sole trader).  I was arrested once, and this was unfortunately instigated by the victim in this case, so could well be of interest to them.  It resulted in no further action, however I have only discovered this week that that, in fact, this means I have a criminal record, and will be so until I am 100 (no chance)! This has really annoyed me to say the least, especially since I asked him afterwards why he rang the police and he said 'for a laugh'.  So I have started to look into applying for it to be deleted, but again, if anyone has any advice on this I would be appreciative. At the moment, my name isn't on the confirmed list to give evidence, but the detective I have been dealing with has said it is 'likely'. The names of the victims in this case will not be allowed to be reported, are witnesses fair game for the press? I really need no know how deep they can delve in to my life so I am prepared if my character gets assassinated in front of the nation. I really wish I'd never agreed to this.   Many thanks
    • A belated thanks dx. Yes I may take your advice regarding StepChange. I am finding that I am telling them (on behalf of my Son) the true balances outstanding? They never seem to check properly in which worries me. If I was to take on myself is there another way of dealing with various debts? I have already submitted other IRL complaints on his behalf. Today I have received a further response from Quidie T/A Fernovo confirming that they will waiver all interest paid.
    • Good evening  Case hearing this Friday 26/04. looking to have all my prep/papers ready.    just checking in to get update on my last post , ( the t&c’s attached). No name or address on them as per #49   thank you UCM  
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      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.

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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.

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      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.
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      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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chubbas dad v reliance & fester


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Also you May find it is only an informal chat in chambers - you never know?

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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hadyanth vs Lloyds TSB - Goodbye fingernails... (multipage.gif1 2 3)

hadyanth

 

 

IMPORTANT - please read last pages

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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especially if you keep talking to yourself:D

 

jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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hi

Sorry to but in but have any of you tried to use the online banking today?

 

I can log in then it says it cant show me my account at the moment.

just wondered if this is a problem with their site or whether they have locked my account for some reason.

 

I got paid today and need to pay some bills but it doesn't seem to want to let me!

 

thanks

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A&L closed account £200 received

 

Midge -they are well known for doing this if you have claimed charges?

But if not I would have thought there is a minimum amount of notice they have to give you?

 

Jan

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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:) omg omg omg omg omg ...............................................................JENNYS IN DAH HOUSE:) welcome home sweety.hope you had a fab time in the sun.i bin missing you ...............(just a little ):rolleyes:

Aww missed ya too...had a great time..red hot all the time (weather i mean) got a good tan..ate too much..drank too much but had a brill time. Be glad to get the kids back to school. How's everything been?

xxxxxx

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:) just opened a statement letter fro a & l ,and enclosed is a new fee timetable and new fee names too.i love you a & l you are priceless.my partner just got the same from lloyds, and they are cheaper.......hmmm mite be worth a trip down the high street (new account time).......................wonder if a & l are gonna loose a lot more customers now lmao. :roll: well heres one thats about to fly the nest.
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:roll: its a long way to bank reclaiming,its a long way to go!!and its getting tiresome...............so wraggy pay up now,b4 i get realy bored.you know you have instructions to pay up , so do it!! then a & l can close my account, (with my permission after the money is cleared and withdrawn of course) and i can go elsewhere and be happy again.:p oh and i almost forgot........ :evil: i missed out on a lovely yamaha r1 2002 imaculate one owner new michelin pilot power and yoshimura thanks to your slakking.so get a move on :evil:
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good luk for the morrow jen.im sure we will all be thinking of you,and keeping our fingers crossed.i am now at the stage where a storm is brewing inside me.it will be difficult to hold my tongue if judgey upholds my stay.:evil: .wish i had someone who could articulate elequently on my behalf.but they cost money and its pounds i can do without spending.just gotta hold it all together now. good luk ..............hope you wont need it:)

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Ta Hunny...my hearing is on Thursday. If they grant the stay i wont appeal as my judge wont probably lift it...but ive got all the arguements not to grant the stay so whatever will be, will be. Whats another few months when they have been messing me about for 10months?

XX

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hi all, and hi jen.:D yes im ok:rolleyes: just doing over time to pay for a new push bike(yes pedal cycle) i thought id take up the goverments offer of a tax free bike to use for work commuting.great scheeme:oops: bin running since 1999 as i understand it.so why does no one know about it i ask?

 

 

got to get myself sorted as the 5 nov is looming, and i want to get things right.

 

stand by for stoopid questions and blondeness ha ha :-o

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Hi hun...what scheme is this? I know i'm been blonde!! And 5th Nov..are you THE guy!!

xx

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its called "cycle to work scheme" you need to get your employer involved.he then purchases bikes that you rent from him over a 12 or 18 month period.you sacrifice a set amount of your wage and you dont pay tax or ni on it.(gross)then you get a net figure ie £4 wich comes out of your wage weekly for the payment or rent of the bike.at the end of the term agreed your employer offers you the bike for sale at 5% of the original price and the bike becomes yours.simple but effective, tax free purchase, giving a saving of between 43% and poss over 50%.the bike i am getting is £549, in halfords sale it is reduced by £110

 

 

Total cost of bike and accessories:

 

 

£449.00

 

 

 

 

 

 

 

 

VAT saving on bike and accessories (NB helmets are exempt from VAT):

 

 

£66.87

 

 

 

 

 

 

 

Net cost of bike and accessories:

 

 

£382.13

 

 

 

 

 

 

 

 

 

 

Income tax saving over hire period:

 

 

£84.07

 

 

 

 

 

 

 

NI saving over hire period:

 

 

£42.03

 

 

 

 

 

 

 

 

 

 

Final cost of bike & accessories:

 

 

£256.03

 

 

 

 

 

 

 

 

 

Total saving:**

 

 

£192.97

 

 

 

 

 

 

 

Gross monthly salary sacrifice, based on 12 month hire period:

 

 

£31.84

 

 

 

 

 

 

 

Net monthly salary sacrifice, based on 12 month hire period:

 

 

£21.34

 

 

 

 

 

 

 

Percentage saving over RRP:

 

 

43%

 

 

 

now thats what i call a bargain.its all above board,have a look.:D

 

Get a tax free bike for work | CYCLESCHEME

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i dont think many have heard about it.our boss stumbled on it and i think he will rue the day he did . lol .3 of the lads are serious road and hill riders .they just ordered semi pro hard tail mountain bikes ................cheapest being 900 quid lmao:D

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