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    • In 2017 my wife was given PIP and I finally, officially, became her carer. In 2019 she was reviewed and we were told it would be done by phone to make it easier for her as she has mobility issues and anxiety. The review was very simple, Has anything changed? No, ok, we'll stay as you are then. In 2022 a second review, this time by phone again but with an awkward given at the end for 5 years. Today, we got a new review letter (I know wait lists are bad, but I dont think the wait will take til 2027 for a decision). We're a bit confused because it's a letter, not a phone call as before. The form is just questions that ask "has anything changed" Now, since 2017, nothing has changed except we had our home adapted via disability grant. This was noted in the phone calls. So we should really write that nothing has changed in the last 2 years. The adaptations have been mentioned in both previous phone reviews, but not in writing so I guess we should bring it up. But we feel that they want us to explain everything as if it were a new claim again... And are worried if we miss something in the original claim or the phone calls she will risk losing part of the award (a 2 point swing could be really bad) It does just say "has anything changed?" But in dealing with ESA prior to getting PIP, answering the question asked "has your condition worsened or improved" at a review process with a simple "no, I'm still the same" somehow led to ESA ending and needing appeal. So just want a bit of guidance. How much detail is needed? Is minimal ok? Or should we be blunt with the fact nothing has changed, and bullet point the things she struggles with in each section?   I know the obvious thing is to just explain it all,but over 10 years the sheer amount of times the poor woman has had ESA or PIP stopped/refused just because something was missed out in their report, or they felt it meant a new claim should be made, or that they judged her healthy because we missed a tiny thing in our forms. During COVID it finally seemed like it was all just going to be smooth, especially with the phone reviews and the 5 year reward, but here we are. We just want to make sure we have the least chance to trip ourselves up, but making sure we have what is expected if you get me? I wish I still had a copy of the forms from 2017, because I could just verbatim copy them and add in about the adaptation, but (ironically) we lost our photocopies we kept of them when the house was being adapted
    • might of been better to have got them all defaulted 2yrs ago as we carefully explained before then you'd already be 1/3rd there and your current issue would not be one.    
    • No doubt the hotel will have security cameras on the floor you were staying to confirm or deny the allegation??   The only compensation you will probably get, which will be discretionary as a goodwill gesture, will be a credit voucher for the entire hotel group. Very much doubt anything more than that as you have not substantiated, the hotel committed the transgression 
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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. 
       

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      • 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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un1boy - N1 issued for breach of CCA request


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Un1,

 

dont get stressed mate

 

Ignore the FOS , its the courts opinion that matters

 

And the courts opinion can only be that it cannot be enforced as the agreement has no prescribed terms!!

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Just a thought, has anyone tried complaining to the Banking Code Standards Board? On their website Banking Code Standards Board their mission statement is:

 

''to monitor compliance with and enforce the Banking Codes and to ensure subscribers provide a fair deal to their personal and small business customers.''

I am ofcourse referring to section 13.6 on the Code

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Just a thought, has anyone tried complaining to the Banking Code Standards Board? On their website Banking Code Standards Board their mission statement is:

 

''to monitor compliance with and enforce the Banking Codes and to ensure subscribers provide a fair deal to their personal and small business customers.''

 

I am ofcourse referring to section 13.6 on the Code

 

oh God yes. They aren't interested - they agree with the banks.

 

To quote one of the guys:

 

"9 out of 10 customers who complain to us are in the wrong"

 

When I asked him to put that in writing, he said he didn't want to speak to me anymore and put the phone down on me.

 

The banking code aren't worth the paper they are written on.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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oh God yes. They aren't interested - they agree with the banks.

 

To quote one of the guys:

 

"9 out of 10 customers who complain to us are in the wrong"

 

When I asked him to put that in writing, he said he didn't want to speak to me anymore and put the phone down on me.

 

The banking code aren't worth the paper they are written on.

 

Really, how unprofessional. It seems all these organisations are flawed, though i haven't tried trading standards yet, did you have any joy with them?

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Really, how unprofessional. It seems all these organisations are flawed, though i haven't tried trading standards yet, did you have any joy with them?

 

Yep, really! All of their attitudes are stinking - he was so patronising - I'm glad he hung up actually.

 

My TS are actually taking this seriously at the mo - can't say much more than that at this stage, but I'm quite impressed.

 

They seem to be the only ones!

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, so I've got the notice of issue from the court! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, so I've got the notice of issue from the court! :)

 

Hello Un1boy,

 

Your up early:D Just read your thread and am most impressed at your tenacity. Keep going you are an inspiration to others:D

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Uniboy, im after a bit of advice.....

 

Im in the process of taking 2 to court for no agreement, 1 has never been supplied, the other keeps supplying one without the signature boxes and have passed me off now, so confident they dont have it.

 

On the N1 form, they ask for a brief description of your claim, how brief was yours if you dont mind me asking?

 

Thanks

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Hello Un1boy,

 

Your up early:D Just read your thread and am most impressed at your tenacity. Keep going you are an inspiration to others:D

 

Yeh, had a conference to go to for work.

 

Thanks for your kind words. I'll keep you updated....

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Uniboy, im after a bit of advice.....

 

Im in the process of taking 2 to court for no agreement, 1 has never been supplied, the other keeps supplying one without the signature boxes and have passed me off now, so confident they dont have it.

 

On the N1 form, they ask for a brief description of your claim, how brief was yours if you dont mind me asking?

 

Thanks

 

I just said - breach of request made under section 78 of the consumer credit act 1974.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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hehe, no probs!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Subscribing

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Thanks guys, will let you know what happens!

 

It's been 7 days now! Should be acknowledging anytime soon!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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excellent stuff, looks like this case could set a precedent, been looking everwhere for other similar cases of this nature that went to court, found none so far! Will be filing my N1 very shortly

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excellent stuff, looks like this case could set a precedent, been looking everwhere for other similar cases of this nature that went to court, found none so far! Will be filing my N1 very shortly

 

Hiya Shane. Unfortunately this won't set a precident and it is being heard in the small claims court.

 

Although I would be VERY surprised if they went anywhere near a court room with this one - they have far too much to lose.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Hiya Shane. Unfortunately this won't set a precident and it is being heard in the small claims court.

 

Although I would be VERY surprised if they went anywhere near a court room with this one - they have far too much to lose.

 

lol, didn't word that to well, what i meant to say was a precedent on CAG for other caggers to drawn on in their attempts to nulify uenforcablea agreements! Would of been nice though if this was being heard in the high court! a tad bit more pressure on you though i would imagine!!

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lol, didn't word that to well, what i meant to say was a precedent on CAG for other caggers to drawn on in their attempts to nulify uenforcablea agreements! Would of been nice though if this was being heard in the high court! a tad bit more pressure on you though i would imagine!!

 

Haha, I get it now.

 

Yeh, I kinda wish it was in a high court coz they don't have a leg to stand on.

 

So much pressure I don't need at the mo though!

 

How are your's coming?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Haha, I get it now.

 

Yeh, I kinda wish it was in a high court coz they don't have a leg to stand on.

 

So much pressure I don't need at the mo though!

 

How are your's coming?

 

slowly but surely, but that could just be because I'm lazy!! Still writing my POC's, which are strangely similar to yours! Hope you don't mind! :)

 

Have you read the following threads? Two cases that went to court regarding credit agreements, the first thread just goes to show how uneducated some DJ are on consumer law, no agreement provided but he accepted statements as proof of the debt and almost tried to enforce it on that alone! Lucky he didn't get a chance to and the claimant had a new judge second time around!

1. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/90012-just-been-court-cl-7.html

2. http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/90701-creditor-unable-supply-cca-4.html

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Ok, they've acknowedged my claim with a view to defending it in full.

 

Why why why? I can't wait to see their defence - I'll post it as soon as I receive it! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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Ok, they've acknowedged my claim with a view to defending it in full.

 

Why why why? I can't wait to see their defence - I'll post it as soon as I receive it! :)

 

 

I have to admit Un1boy much as i would like you to get your way out of court i would really like to see them try and argue this in court, heck i might even come down to your neck of the woods just to watch the trial!

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