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    • Write to us at PO Box 82112 London N17 1LG Registered Office Unit 1.01, Hollinwood Business Centre, Albert Street, Failsworth, Oldham, England, OL8 3QL
    • Is this the correct email to send WS to the courts? I was sure there was a thread here with updated emails. [email protected] Thanks again Andy
    • Thanks again Andy. I have used the following. Not 100% sure on it as it's a bit technical for me. But hopefully shines a light on the points I want to enforce of the 'Full and final' settlement.   Exhibit 2: (relevant extracts used).   URL:https://www.bailii.org/uk/cases/UKHL/2001/8.html Cite as: [2001] 1 All ER 961, [2001] ICR 337, [2001] 2 WLR 735, [2002] AC 251, [2002] 1 AC 251, [2001] Emp LR 359, [2001] IRLR 292, [2001] UKHL 8   Bank of Credit and Commerce International SA v. Munawar Ali, Sultana Runi Khan and Others [2001] UKHL 8; [2001] 1 All ER 961; [2001] 2 WLR 735 (1st March, 2001) HOUSE OF LORDS Lord Bingham of Cornhill Lord Browne-Wilkinson Lord Nicholls of Birkenhead Lord Hoffmann Lord Clyde OPINIONS OF THE LORDS OF APPEAL FOR JUDGMENT IN THE CAUSE BANK OF CREDIT AND COMMERCE INTERNATIONAL SA (IN COMPULSORY LIQUIDATION) (APPELLANTS) v. (1) MUNAWAR ALI (2) SULTANA RUNI KHAN AND OTHERS (RESPONDENTS) ON 1 MARCH 2001 [2001] UKHL 8   LORD NICHOLLS OF BIRKENHEAD 22. This appeal raises a question of interpretation of a general release. By a general release I mean an agreement containing widely drawn general words releasing all claims one party may have against the other. The release given by Mr Naeem was of this character. Mr Naeem accepted a payment from BCCI 'in full and final settlement of all or any claims . . . of whatsoever nature that exist or may exist'. LORD HOFFMANN 38. The language of the document is very wide. The impression it conveys is that the draftsman meant business. He has gone to some trouble to avoid leaving anything out. He uses traditional style: pairs of words like "full and final settlement", "all or any claims", "that exist or may exist" and phrases like "whether under statute, common law or in equity" and "of whatsoever nature". Admittedly, he could have gone further. Tudor Grange Holdings Ltd v Citibank NA [1992] Ch 53, 57 contains an even more elaborate release and I have seen American documents in which the release covers an entire page. But most people in this country would regard this as overkill. The modern English tradition, while still erring on the side of caution, is to avoid the grosser excesses of verbiage and trust to the judges to use common sense to get the message. I think that this tendency should be encouraged. So I think that anyone who was simply reading the document without preconceptions would accept that the draftsman was not leaving deliberate gaps. It does not however follow that the language was to be read completely literally. There may be limitations in scope to be inferred from the background, limitations from context which the draftsman may have thought too obvious to mention. But that is a different matter from saying that he did not use enough words. LORD CLYDE The critical words are: "The applicant agrees to accept the terms set out in the documents attached in full and final settlement of all or any claims whether under statute, common law or in equity of whatsoever nature that exist or may exist and, in particular, all or any claims rights or applications of whatsoever nature that the applicant has or may have or has made or could make in or to the industrial tribunal, except the applicant's rights under the respondent's pension scheme."
    • change 4 options to  a. Provide a copy agreement/facility arrangement along with the Terms and conditions at inception, which this claim is based on. b. Provide a copy of the Notice served under 76(1) and 98(1) of the CCA1974 Demand /Recall Notice and Notice of Assignment. c. Provide a breakdown of their excessive charging/fees levied to the account and quantify how the Claimant has reached the amount claimed. d. Evidence how they have complied with sections III & IV of Practice Direction - Pre-action Conduct.   add in: add a new point 2. (old one now being 3)  2. The Claimant has not complied with paragraph 3 of the PAPDC (Pre Action Protocol) Failed to serve a letter of claim pre claim pursuant to PAPDC changes of the 1st October 2017.It is respectfully requested that the court take this into consideration pursuant to 7.1 PAPDC.  
  • Our picks

    • 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.

      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
      • 162 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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**** CAG Christmas meet: Saturday 12th December, Oxford: Red Lion, 7pm ****


CAG Christmas meet location vote  

42 Caggers have voted

  1. 1. CAG Christmas meet location vote

    • London
      9
    • Oxford
      10
    • Leicester
      4
    • Huntingdon
      0
    • Northampton
      3
    • Nottingham
      5
    • Lincoln
      1
    • Edinburgh
      3
    • Other: Please specify
      7


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Well I don't want to get anyone into trouble, you know me :oops:, but isn't that a bit of a coincidence that Caro and Tilly, who usually plan things together, BOTH told the other one she wasn't going, and then BOTH actually turned up?

 

Hmmm.... If it were me, I'd have been gobsmacked too.... :razz:

 

:-D :-D :-D

 

 

lol - Tilly said no-one would believe it wasn't planned when Caro rang us at 7 ish to say she was almost in Oxford - we had to leg it to meet her and then get her checked into our accomodation. Doubt they'll do unplanned again after that accomodation though. :)

 

Jan

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Well I don't want to get anyone into trouble, you know me :oops:,

 

Why would anyone be in trouble?:confused:

 

but isn't that a bit of a coincidence that Caro and Tilly, who usually plan things together,

 

We do?

 

BOTH told the other one she wasn't going, and then BOTH actually turned up?

 

The real co-incidence is that we both went for the same reason.;)

 

Hmmm.... If it were me, I'd have been gobsmacked too.... :razz:

 

:-D :-D :-D

 

Yeah. If I'd known I'd have picked Tills up on the way, and taken a toothbrush and change of essential garb.:p

 

Anyway, nice to see you again Castlebest and Pink Duchess. It's always a pleasure, and I think suggested venue for a future meet has great merit, although lifejackets would probably be adviseable!!:lol:

 

Tilly (or should I say Lizzie) well what can I say. I suppose I should have guessed that you'd pull out all the stops to get there! Can't remember when you last missed a CAG meet. :lol:

 

Was good to see you again too Jan, and thank you so much for your northern hospitality, putting me up in your cell.:grin: Lift to the station was no problem, and at least you had some company to while away some of the hours. I hope you felt it was worth it.:)

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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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Sorry folks, I am really feeling bad about this, I was so looking forward to getting down to Oxford but my horse went lame on Thursday. There are so many people I would like to meet, old and new.

 

Now I'm £350 worse off and not much nearer finding a solution and I haven't had the workshop bill yet. Bliddy cars !!

 

Lets hope there's another meet before May and I'll be there.

 

Lex

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Please don't rush, take time to read these:-

 

 

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Awww - didn't anyone want to meet me cos I'm newbie?? :(

 

Shame 'cos I'd come from Manchester, but it was nice to meet PD and Peter, meet up with Caro and Tilly again (met them at the Leeds meet which appears to have been the main Christmas meet after all!). :D

 

Jan

 

Lol...It wasn't your fault. I had some family issues so it was already awkward but when some other people couldn't make it I decided to leave it until next time.

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Well I don't want to get anyone into trouble, you know me :oops:, but isn't that a bit of a coincidence that Caro and Tilly, who usually plan things together, BOTH told the other one she wasn't going, and then BOTH actually turned up?

 

Hmmm.... If it were me, I'd have been gobsmacked too.... :razz:

 

:-D :-D :-D

 

Well sorry to disappoint Bookie but its called thinking for yourself :rolleyes: i don't think i need to explain myself to you or anybody else the main thing is i went.

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I bet it went to the same place you disapeared to a dark, dismal, lonely place. mhahahahah

:eek:

ahh work yep dark mornings dismal weather and not a sole around :p:D

 

glad to see you are back as an elephant Tills, I did not recognise you before

 

:D

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Think there's a thread for Manchester around Spring ... I don't mind Manchester or Leeds though.

 

And a thread for South somewhere too ... although I think I'll stick closer to home in future!

 

Haven't noticed one for Birmingham yet.

 

Jan

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Tis true I have a week off work in March and I wouldn't mind a celebratory CAG meet.... Coincides with my Biffday too.... quelle surprise...:D

 

I can put cash on my biffday list and then travel..... hurrah... to places further afield like Manchester or Leeds....

 

Oh and Jan4a... don't be put off coming South again cos If we do an Essex one you can come and stay with me.... it's a bit like cell block H in my house only untidier... :D

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Oh and Jan4a... don't be put off coming South again cos If we do an Essex one you can come and stay with me.... it's a bit like cell block H in my house only untidier... :grin:

 

Thank you. I'd go if you/Tills/Caro etc were going, provided I could of course.

 

mmmm - prisoner cell block H - carrots have big ears then ;)

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