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    • My car is currently elsewhere. So no.  My issue is that it's private land whether the owner is using the garages or not and they've been asked to stop
    • Are your garages not being used atm? HB
    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
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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.  

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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.

      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.
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      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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thanks, buller. so the credit card agreement is impossible to read( the lone one in a previous post, and the last one in the group). the rest seem okay, so i will try to talk you through the credit card one if you like. the rest are 2 pages for my flexi loan and then one page for my personal loan.

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i'm just trying to establish if they enforcable, really. i want to check that all the prescribed terms are in place; for example, the flexi loan is two pages. on the second page, it contains the terms and conditions, but no personal information to directly link it to the first. i dont really know what im looking for, i just need a bit of leeway so i can stop them overdrawing me further each month, and accept a payment plan.

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thanks so much all of you. i have a horrible feeling theres nothing i can do, but im not giving up until i have to, and it is great to know that there are so many people willing to help. i have been looking at the personal loan, and just above the signature it says 'This agreement is subject to the terms set out on page 2' but there is no page 2, does that make a difference?

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It may well make a difference if you have never had page 2!

Also is the signature genuine? I have heard of some companies scanning sigs fron one doc to another. Of course I am not saying they have done this but I just thought i would let you know. Check every avenue!:)

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You have probably signed it once the application was approved. You sign the agreement before they send the card. Thats what should happen!

 

yes i thought that may be the case. i told you i was clutching at straws!!!

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