Jump to content


  • Tweets

  • Posts

    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
    • Ok many thanks. Just wanted to check that nothing else for us to do / send for the moment. Will update again once we receive a copy of their N181 and proposed directions for review. Our post is a bit hit and miss at the moment. Appreciate the help through this process.
    • Yes and will ask you if you are in agreement and or wish to add /remove any direction.
  • Recommended Topics

  • 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
      • 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
        • Like
  • Recommended Topics

Emusic.com Keeps Charging my bank card


Teddybear154
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3688 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I don't know if I am posting this in the right place. I hope so. Has any one heard of e music.com. I have just checked my bank statement today and noticed a transaction for this company for £9.99. On further inspection I have discovered they have been taking £9.99 every month for about a year. I had not noticed before now. I have done a google search of this company ad they seem to be a music subscription company. I never signed up to this company. I don't even listen to music so I don't know how they have got my bank card details. I have been on there website and the only contact details they have is a American phone number or a web form you can fill out to email them. I am not too keen to phone America as it will probably cost me a fortune and can't fill in web form as they ask for email address used to register which I don't know as never signed up for this company. What Can I do to stop this company taking more money. I don't particularly want to have to cancel my bank card as I have alot of bills set up and paid with this card and it will be a nightmare having to phone every where. but will if have too. Does any one know any other contact details for this company. Also Is there any Chance I can get my money back. As it totals over £100 which is alot of money. Whats the best way if any to go about getting my money back.

 

Any advice much appreciated

 

Thanks In advance :x

Link to post
Share on other sites

Hi

I think this is the UK address.

 

 

London

eMusic

PO Box 6400

London

W1A 8AW

England

 

Write to them, Mark it for the attention of the Customer Complaints Manager and send it by recorded signed for delivery

Contact your bank and ask them to block any requests for payment from that company

Gbarbm

Link to post
Share on other sites

  • 1 year later...

Sorry to rake up a old thread but I'm still having problems with this company EMUSIC. I have sent so many letters to the address stated above and any other address I have found and haven't had one reply. I have tried emailing them hundreds of times as they have now changed there online contact system but again have had no replies I have phoned the American telephone number and have spent a fortune on phone calls just to be told no one can help me.

I have contacted my bank and have asked them to block payments from this company many times but the company still manages to take money.

 

I have cancelled and changed my bank card twice and still they manage to take money. I just don't understand it and don't know how to stop it.

 

Is there any way to stop it they have now taken over £300.

 

My bank just don't seem to care. I'm with lloyds

 

Any advice would be much appreciated

 

Thanks in advance.

Link to post
Share on other sites

Very odd especially if they have taken money after you changed your card, I would of thought this was impossible, is the money perhaps being taken by a DD instead ?

 

I'd demand that Lloyds take more action, that you have not signed upto anything and that it is fraud, get the police involved if you have to.

 

If you genuinelly have not signed up for this and they have a UK presecence it shouldnt be too hard to reclaim the money via the courts, but I suspect it isnt as simple as this.

Link to post
Share on other sites

Very odd especially if they have taken money after you changed your card, I would of thought this was impossible, is the money perhaps being taken by a DD instead ?

 

 

It's not impossible as the instruction was given prior to the card being changed. The thing to do is to contact the card provider and ask to stop the continuous payment authority. If no original authority was given then an action to recover the payments via the fraud route should be undertaken.

Link to post
Share on other sites

Hi Teddy

 

Write a Formal Letter of Complaint, mark it as such. Explain what's happened, how they have let you down and what you want them to do.

 

Send it to:

Ms Alison Brittain

Head of Retail Banking

Lloyds Banking Group

[email protected]

 

Provide as much detail as possible, e-mails sent etc.

Link to post
Share on other sites

It's not impossible as the instruction was given prior to the card being changed. The thing to do is to contact the card provider and ask to stop the continuous payment authority. If no original authority was given then an action to recover the payments via the fraud route should be undertaken.

 

But how would the company know the number and authorisation needed to charge the new card, would the bank supply them with the new info. or would they continue to pay out using the old card details ?, then what would be the point in stopping an old card in the event of theft or loss if money can continue to be taken from it ?

 

Or does a continuos payment authority overide all of this ? Even then, surely a customer can stop it.

 

Odd

Link to post
Share on other sites

But how would the company know the number and authorisation needed to charge the new card, would the bank supply them with the new info. or would they continue to pay out using the old card details ?, then what would be the point in stopping an old card in the event of theft or loss if money can continue to be taken from it ?

 

Or does a continuos payment authority overide all of this ? Even then, surely a customer can stop it.

 

Odd

 

They would continue using the old card. Hence the need for the cancelation of the CPA. Bear in mind that the assumption here is that the authorisation was given in the first place.

Link to post
Share on other sites

Thanks for your replies. I have never signed up to this company. I had never even heard of the company before I saw it on bank statement so I definitely never gave my authorisation for them to take money. I will send a letter of complaint to Allison Brittan as you suggest. To see if she can help stop this. I have copies of all letters and emails I have sent to emusic and lloyds regarding this matter.

Hopefully this should help me with getting my money back.

 

Thanks

Link to post
Share on other sites

Let us know what happens, if Lloyds don't act, then you can lodge a complaint with the FOS, but you need to get a Final answer from Lloyds first.

 

Thanks for your replies. I have never signed up to this company. I had never even heard of the company before I saw it on bank statement so I definitely never gave my authorisation for them to take money. I will send a letter of complaint to Allison Brittan as you suggest. To see if she can help stop this. I have copies of all letters and emails I have sent to emusic and lloyds regarding this matter.

Hopefully this should help me with getting my money back.

 

Thanks

Link to post
Share on other sites

  • 2 weeks later...
  • dx100uk changed the title to Emusic.com Keeps Charging my bank card
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...