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    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
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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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We urgently require the documents listed below. Please help us find these should you have any of the documents listed below please send to:

 

evidence@consumeractiongr oup.co.uk

 

Barclays Terms & Conditions

 

HSBC business T & Cs

 

RBS T & Cs

 

 

Please send in hi-res PDF format if possible or send original paperwork by post to;

 

Consumer Action Group

PO Box 7481

Derby

DE1 0LE

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HSBC Business Ts&Cs sent...for probably the fourth time now...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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Just sent 2 Barclays T&C's.. 1998 and 2001

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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bump

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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Hi UUN,

When you "bump" it takes your posting to the top of the forum to try to get somebody to notice it

Jo

HFC Bank - First letter claiming £196/LBA sent/£75 offered/rejected/Claim filed

HFC Bank Take 2 - Statements received

A & L - Prelim sent/LBA sent

Barclays (for my Dad) - Awaiting statements/LBA for S.A.R. sent/Statements received/Prelim sent/LBA sent

A & L (for my Son) - Awaiting statements/Statements arrived Prelim letter sent/£280 offered and rejected

Abbey (for my Sister) - ***Won***

Barclays PPI claim

Studio - ***Won***

HSBC - (for my brother-in-law) ***Won*** 8-)

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i wondered that too bump now i know lol xxkia

 

 

Bring Up My Post or so i believe;)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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The following site has a number of websites backed up going back in some cases to 1996. It might be useful for digging out those old terms and conditions.

 

Internet Archive: Wayback Machine

 

Just enter the website in the box at the top of the page (The Wayback Machine,) for example "www.hsbc.co.uk" and then click the take me back button. You will then be presented with a page of clickable links divided into columns of years where data is available.

 

I tried with HSBC and the earliest available page is December 1998, although an error is thrown up when trying to get the Ts&Cs PDF. Others should give it a go with their own banks, because clearly this will be a long and arduous exercise...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. 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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my god charley farley i cant escape you can i even on here and a serious site as well might guess youd lower the tone lol xxkia ps does this bump me then lol

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The following site has a number of websites backed up going back in some cases to 1996. It might be useful for digging out those old terms and conditions.

 

Internet Archive: Wayback Machine

 

Just enter the website in the box at the top of the page (The Wayback Machine,) for example "www.hsbc.co.uk" and then click the take me back button. You will then be presented with a page of clickable links divided into columns of years where data is available.

 

I tried with HSBC and the earliest available page is December 1998, although an error is thrown up when trying to get the Ts&Cs PDF. Others should give it a go with their own banks, because clearly this will be a long and arduous exercise...

 

 

Hi yes we use this as well, but it does throw up errors. But still a good tool.

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Bump and Note for LivelyLad:

i knew there was a reason they give you all these leaflets! but unorganised people such as myself often file in a bin! :( sorry!:(

AB123uk

 

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