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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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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 
      • 81 replies
    • 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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Pleasure :) As they say in the scouts. BE PREPARED. ;)

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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  • 1 month later...
  • 2 weeks later...

In anticipation of a stay being put on my claim I have completed form N244 and draft GaryH set aside document. Should the stay be ordered by the judge at the actual hearing would I submit the N244 etc to the judge there and then or would I need to take it into the court office on my way out, all opinions welcome. ;)

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Just received letter from YB stating that "I should be aware that the Bank will shortly be applying to the Court for an order to stay (put on hold) my claim until resolution of the Banks proceedings with the OFT. As a result, your case is likely to be out on hold until the outcome of these proceedings is known", so that is the state of play with me at the moment. :D

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Hi georgieboy,

the Yb has also sent quite alot of these letters and according to the court who I rang yesterday their reply was that the banks have not been to court as yet to request a stay so it is business as usual until you hear it from the courts all court cases are still being dealt with unless notified by the court.;)

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guess what guys i got one of them yesterday to hahahaha as if im bovvered they passed the bundle deadline anthats first thing ive had from themso to me they have defaulted on the courts directions so hmmmm doesnt that mean that i am on a winner lol

 

god they are pathetic

 

jeanette:D

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hi Conalot,

think I have spoke to you b4 as we are round about the same stage, the YB should have submitted their bundle to the court and to myself by the 7/08/07, but have not submitted anything to the courts, as I rang them yesterday afternoon regarding the ""LETTER "" THAT WAS POSTED 1ST CLASS, dated the 31st July and yet took 8 days to get to me, basically it states "we will be shortly applying to the courts to STAY [put on hold] YOUR CLAIM until resolution of the banks proceedings with the OFT.

As a result , your case is likely to be put on hold until the outcome of these proceedings is known.........................:p :p SORRY to be a pain in the arse but if this is the case I must apologise to the YB as I am afraid there is NO WAY ON THIS EARTH THAT IS GONNA HAPPEN, as of the 7/08/07 you are in DEFAULT with the order set by the Judge, and as at the date of receiving this 1st class letter dated 31st July, which for mysterious reasons took 8 days to get to me after reading it does not even give you the right to state that you will be applying to stay MY case as this is now out of your hands as you have defaulted , before the application to stay has even been heard, I will of course be asking the Judge for wasted costs as it is my view according to the claims already settled and the way these have all been dealt with, you had no INTENTION OF submitting your bundle, but made all the obvious moves to prolong the reimbursement of all my charges plus interest right to the very last minute as usual.

This in my opinion shows the COMPLETE AND UTTER disregard you have for the COURTS AND JUSTICE SYSTEM that are in place at the moment. As the majority of these charges have been unlawfully taken from my benefits over the said period, according to the FOLLOWING LEGISLATION:

"Social Security Administrations Act 1992"

187--- Subject to the provisions of this Act, every assignment of, or charge on-

[A] benefit as defined in section 122 of the Contributions and Benefits Act;

any income related benefit; or

 

[C] child benefit,

And every agreement to assign or charge such benefit shall be void;.

It is clear after reading the Banking Codes which you happen to be a member. You have quite clearly and deliberately broken a number of the rules that are mentioned within the banking codes which I will be pointing out to the Judge in my letter asking for your default Judgement.

I would hope by the time that you have read this letter you get the positive idea as to where I am coming from, and I will not let your letters interfere with my LEGAL rights.

I look forward to your correspondence on this matter ASAP.:-D :-D

DO YOU THINK THEY MIGHT GET THE MESSAGE !!!!!!!!!!!!!!!!!!!

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well just think that might do it ......heehee...an yes we have ranted till early hours together before while i was doing my bundle with serious toothache an a bottle of whisky (medicinal) you with your hip if remember an you were....erm.....opting for a herbal form of painrelief....!!! to chill lol

 

we are thinking along the same lines again my friend

im off on my hols in a couple of days so wont be posting for a few weeks but i will be refreshed an ready with a damn fine tan (low cut top ) to face the court for the 7th sept lol

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4 threads merged to keep your progress in one thread.

 

Any news georgieboy?

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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Hi caro only bad news I am afraid phoned the court on monday and they said the hearing was still in the diary but when they checked it had been taken out. So as we had nothing in writing we phoned again today and they confirmed it has been stayed. So I dont think we would have been informed until we had actually arrived at the court!!! Anyway I will hope to be celebrating maggies win on wednesday. :D

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Are you applying for the stay to be removed?

  • Haha 1
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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I dont think so - I had sent in the garyh objection to the proposal letter in after receiving YBs letter. To be honest I dont think me applying to have it removed would make any difference, only my opinion but perhaps I shall wait until I get an official letter (if I get one) and see what it says.

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I have actually completed the N244 form ready to send but as I say I will just see what the court has to say, I guess your advice would be to send it in perhaps I am just a little deflated at the moment seems to have taken the wind from my sails. :(

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  • 4 weeks later...

Anyone got the feeling that we the victims are being pushed out of the equation regarding this OFT case, as it would seem from reading articules from the bank charges in the media section, that it will all become a farce and a deal has already been done. I would like to think I am wrong BUT.

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  • 2 years later...

Stay has been lifted and attemt to have YB strike out denied by the court so now have a new court date, have we a real chance of winning ? :):)...

Edited by georgieboy
wrong choice of word
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