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    • Emmzzi is right, we don't recommend advice by PM. As she rightly says, it's better that advice is made in public and peer-reviewed. HB
    • Personally I would work out what I was owed and go to small claims court; it's faster than an ET and shoud you lose the fees are smaller. Thank you for your DM: I do prefer to comment on a public thread because I am not perfect and extra eyes to catch anything I miss are always helpful.  
    • Right here it is - Ill be checking back throughout the night to make any amendments to our WS Clmt ws redacted (1).pdf
    • Just an update, when going in to sign my payslip they seemed to not expect me. Then I said I was told to be here fore that, and they said it was just being done right then and if I would like to wait. I said I would come back the next day. I brought my father the following day, and they would not answer the door for a while. They cracked open the door to see who it was and spotted my father, closing it. The buzzer was held down and they eventually answered and had us sit in the waiting room. They would have been aware this was my father. After 5-10 minutes they called me specifically into the next room. I did so and they closed the door, which I then got up and opened so that my father could be present as witness. The manager who closed the door seemed shocked by this, saying she has to go and "sign him in" and she went off for 30 seconds before coming back. I asked why I did not have to be signed in, to no response. They were not smiling. I asked where the payslip was, and they instead began by saying that they were conducting an investigation on me for slander of the company.  The manager was then questioned by my father, saying that he had experience as a manager and knows you cannot investigate ex-employees. The cracked a smile and said that I was never employed, but self-employed. This got the same response from my father, which saw "Well, if that's what you think..." in return. Throughout the exchange my father kept asking when I would be getting paid, which was always countered with the fact this "investigation" with no definite end was ongoing. They also said they would get back to me whether they will decide to take it further. My father told me to leave, and that this was about them avoiding being able to pay me.  This may be the case as they were likely aware that debits charged to me would have been listed on the payslip, and that I had asked for the justification for each debit to be listed. Alternatively, this company is notorious for taking customers to court, and it was remarked by then new staff that they had an insane amount of ongoing court cases and that they had never seen a company more aggressive when it came to chasing customers for money. Thus far I had gotten an overview to trading standards (sans the company identity until I got confirmation I would be anonymous) , but concerns over anonymity and the impact of having a record/court case could have on future career prospects prevented me from following up to proscribed bodies or the employment tribunal.  I have been told by friends and family this is likely scare tactics intended to frighten me out of remembering I should be paid. However, they may force my hand here. What is the best course of action?  
    • Thanks for your help   what you have put in post #44 is numbered 1-2-3  but on defences 1 was admitted so it was number 2-3-4 with the responses do I still number just 1-2-3 for the defences
  • Our picks

    • 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
      • 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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Recommended Posts

I am completing the debtors pack and wondered if there are any experts near Inverkeithing that could help me to complete it as it says they wont process the pack if completed wrongly.

 

Thanks for any help its greatly appreciated

 

Keith

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Be careful with this as there are two methods of application in Scotland, Low Income and asset and Certificate for Sequestration which must be signed by an authorised person. I would suggest that you contact your local CAB who will complete the application based on your circustances. A home vist could possibly be arranged if required.

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I would do as suggested and contact your local CAB office, they are experienced in completing this type of thing.

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BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Good advice above. I've lost count of the number of applications that fail and then people come to CAB once their £100 is lost.

Take info with you as it cannot be processed without the right documents

Ie - tenancy agreement, 3 x bank statements and or pay slips, HP agreements, notability agreements, charge for payment etc

 

B

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Yeah thanks I went to see them and she didnt seem overly confident herself but all fields are filled in and all evidence is there so its just a case of posting and waiting for whatever happens I suppose.

 

While Im here does anyone know who or where will give me a bank account for the bankruptcy???

 

Thanks again

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If you were in England, the co-operative bank. Other than that, I simply dont know. I will try and find out.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://www.guardian.co.uk/money/2010/jul/12/bankrupt-people-denied-bank-accounts

 

According to this article, Barclays Bank and the Co-operative are the only two.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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yes co-op and bos will give you basic account with debit card

 

but glad you got it sorted

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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