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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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. 
       

      Many thanks 
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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.
      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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Can they charge me for a late payment?

My bank have been playin silly buggers and not updating my aco**** so leaving me to believe i have money in my bank when i dont. Therefore leaving me with no money for my car insurance.

 

I have tried to call Swinton but when i got back from the bank they were closed, and they shut at 1pm today and i couldnt call (as im managing a pub until the owner gets back, and was working from 11-2 until the staff calls in)

 

Basically, they will try get the money again on monday, and the money isnt in the bank (as the bank decided t charge me) so il once again be charged from the bank..

 

I was wondering if there is a charge il get from my car insurance company? as i have tried to cancel the direct debit since i found out but cant get in touch with them, theyre not open tomoro.

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All these charges for late payment, be they £2 or £200, are reclaimable as unlawful, unless they can prove that it actually cost that much to process your late payment. You can reclaim the charges the bank has levied for upaid bills back from the bank itself; anything that Swinton charge you is exactly the same. Have a read of the bank charges FAQs to get a better idea of the legislation behind it, then start another thread in the relevant banking forum to get an idea of how your bank likes to play ball. Keep this one updated if Swinton does charge you.

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Demon, you are correct in saying that you can claim the returned D/D fees from the bank, however I am not so sure for the car insurance company.

 

I don't believe that they have charges for re-submitting the D/D, if they do then you could try and get them back. However, your main concern is that this is now the 2nd returned D/D and you may have your car insurance cancelled from the date of the last payment (month prior to this). This means that you could find yourself un-insured.

 

The car insurance company could then charge you a cancellation fee which I don't believe is refundable as they need to contact the Motor Insurance Bureau and back date the cancellation (the ones the police and c/c cameras have access to) and there is work involved with this which in turn justifies their cancellation charges.

 

Your best bet is to phone them up first thing on Monday morning (might be open Sunday) and explain the situation. Unfortunately, the onus is on the insurer to have funds in the bank, and the insurance company are simply following your D/D instructions. Try and get to the bank if possible and ensure that money is in the account.

 

The good news though is that you can claim the bank charges back. Unfortunately there is some work involved and you won't see that money for another couple of months though.

 

Good luck.

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Ah ok, demon. I doubt that an insurance company will apply late payment charges though. Tends to be 2 strikes and its cancelled.

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