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    • Your page numbers should run through your WX and exhibits so im concerned its page x of 9.
    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
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    • 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
      • 160 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

ConsumerWiki - A-Z Index


Michael Browne
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Recommended Posts

The Index Page in the ConsumerWiki is tucked away and not that obvious

 

The easiest way to find what you're looking for is to enter the key word/s in the Search Box. This will then take you to that page if one exists with that title, or will list Article and Text Matches.

 

Alternatively, here are the Wiki A-Z links which will take you directly to that page:

 

NB You may need to log into the Wiki first, with your CAG username and password, before you can access the pages

 

ConsumerWiki - A-Z Index

 

 

 

1st Credit Limited

Abbey

Abbey: Court Bundle & Witness Statement

Abbey: Court Hearings

Abbey Gesture of Goodwill Payment

Abuse of credit register

Acceptance of Settlement Offer

Account Closures: What to do.

Account in Dispute Letters

Aktiv Kapital Asset Investments Limited

Alliance & Leicester

Allocation Qestionnaire: Stays & Strike Out Requests

Allocation Questionnaire

Allocation Questionnaire: Dispensing With the AQ

Amending A Claim

Application For Costs

Application for Removal of Stay: Updated

Application for removal of a stay

Australian Penalty Fees Report

Automatic SAR Generator

 

Bailiffs

Bailiffs: Check a Bailiffs Credentials

Bailiffs: Code of Practice

Bailiffs: Complaint about Certified Bailiff

Bailiffs: Complaint Against a Council to the LGO

Bailiffs: Council Tax - Stop Enforcement

Bailiffs: Council Tax Template Letter

Bailiffs: Detailed Assessment of Fees

Bailiffs: FOI Request for Fees

Bailiffs: Get The Bailiff to Pay Off Your Debt

Bailiffs: How to reclaim an Impounded Vehicle

Bailiffs: If You Have Been Overcharged By a Bailiff

Bailiffs: Invalid Walking Possession?

Bailiffs: Irregular Distress

Bailiffs: Letter for Council Tax Bailiff at Your Door

Bailiffs: Make a Complaint About a Certified Bailiff

Bailiffs: Making a Form 4 Complaint

Bailiffs: Ownership of Goods

Bailiffs: Paying During Removal of Possessions

Bailiffs: Reclaim a Walking Possession Fee

Bailiffs: Refund of Fees (Letter to Bailiffs)

Bailiffs: Refund of Fees (Letter to Council)

Bailiffs: Reply to Notice of Seizure

Bailiffs: Reporting a Bailiff to the Police

Bailiffs: Subject Access Request

Bailiffs: Useful Template Letters

Bailiffs: Subject Access Request

Bailiffs: Types and Fees

Bailiffs: What They Can & Can't Do

Bank

Bankruptcy

Bankruptcy: Glossary of Terms

Bank Survey

Bank Worker

Bank of Scotland

Banking Code

Banks

Barclays

Basic Court Bundle

Benefits

Benefits and the Social Security Administration Act

Bills Of Sale & Repossession of Goods

Brighthouse Fact Sheet

Buddy system

Business Claims

Business Rate Arrears

 

CAG - How to Complain

CAG email addresses

Child Support Agency: SAR

Cabot Financial (Europe) Limited

Cabot Financial (UK) Limited

Cahoot

Cancelling an order letter template

Capitol one

Capquest Debt Recovery Limited

Case management Information Sheet

Challenge a default on a disputed account

Charging Orders: A guide

Citibank

Citizen's Advice Bureau

Citizens Advice Bureau

Civil Procedure Rules

ClydesdaleCo-Operative

Commercial Sites

Compaints letters

Complaint Letters: Gyzmos's Guide

Complain by phone

Complaint letter template

Consolidated Loans

ConsumerActionGroup

Consumer Action Group

Consumer Credit Act

Consumer Credit Act:Section 75

Consumer Credit Act template

Consumer Credit Agreements - Consumer Wiki

Consumer Credit Counselling Service

Consumer Credit Litigation: Basic Guide

Consumer Rights

Contact details for banks

Council Tax Bands: Check & Challenge System

Council Tax: Offer to Pay Monthly

Council Parking Ticket: No PCN or NTO Received-Advice

County Court

Court Bundle: Advanced

Court Bundle: Non-Compliance Letter

Court Bundle For Dummies

Court Date?: A Guide for Lloyds Claimants

Court Date?; A Guide to the Different Hearings

Court Fees

Court Service Information

CPR

CPR 18 Request Reponse

Credit Agreement Requests: Basic Information

Credit Cards: Who Owns Who

Credit File: Cleaning Up Your Credit File - Consumer Wiki

Credit Reference Agencies

Credit Reference Agency: Put Your CRA on Notice

Credit Scoring

Credit Unions

Creditors and DCAs

Current events

CYNtheSYS

 

Data Controller

Data Protection Act

Data Protection Act: Non-Compliance

Data Protection Act (DPA)

Data Protection Act - S10 Notice

Data Protection Act Non-Compliance - Particulars of Claim

Data Protection Complaints: Template Letters

Data subject

DCA: Non-Compliance of CCA Request

DCA: Using CPR 31.14 to Your Advantage

Dealing With Debt: Common Mistakes

Dealing With Debt: Insolvency

Debt: Glossary of Terms

Debt Handbook

Debt:: Letter Templates

Debt: Negociating with DCA's

Debt: Where to Get Help

Debt Collection Agencies: Statutory Demands

Debt Collection: OFT Guidelines

Debt Collectors: Contact Details

Debt_Collectors:_Doorstep_Visits

Debt Collectors: On the Inside

Debt Collectors: On the Inside - Q & A's

Debt Collectors: Which Bank Uses Who?

Debt Management Plan

Defaults: How to Remove

Delayed Flight

Desensitising the consumer

Direct Debit Guarantee

Direct Legal & Collections

Directions: Non-ComplianceDiscussion forum

Disability & Special Needs: Useful Links

Disrepairs in Private Rented Accommodation

Documents Library: T & C's

Doorstep Selling Regulations

Draft Direction Order

 

Early Day Motion

Examples of Witness Statements / Disclosure by List / Draft Directions / Case Summary

Extended Warranties

 

FAQ

Financial Hardship: Guide to the FOS

Financial Ombudsman

Financial Services Authority

Financial Servicves Authority

First Direct

Forum

Forum Guides for Newcomers

Forum Post Signatures

Fraud Prevention Service

Free Alternative to Excel

Frequently Asked Questions

Frequently asked questions

 

Giving The Banks More Time Letter

Glossary Of Abbreviations

Go Debt Limited

Going to court

Got a Judgement?: How to Get Paid

Guide

Guide to reclaiming bank charges

 

Halifax

Harassment by telephone

Hardship & Stayed Claims

HFC Household

Hillesden Securites Limited

Holiday complaint template letter

How Do I....? A Dummies Guide to the Forum

How To Make Posts

How to Complain - A Comprehensive Guide

How to edit the Wiki

How to Get Out of Debt

HSBC

 

Information Commissioner

Intelligent Finance

Interest Tutorial

Intrum Justitia Limited

Isle of Man Claims

IVA

 

Judgement: How to Enforce

 

Ken Maynard

 

LBA

LBA (SAR)

Lba

Legal Arguments

Legal Arguments In Support Of Your Claim

Legal Disclaimer

Legal Phrases: A-Z Guide

Letter Before Action

Letter Before Action (SAR)

Letters

Library

Library: Bank Charges Templates

Library: Case Law

Library: Debt Collectors

Library: Statutes

Link Financial Limited

Link to CAG

Liqidated Damages & Penalties

List of Settled Cases

List of Settled Claims

List of charges by bank

List of companies

List of company mistakes

List of legal cases relating to penalties

Lloyds

Lloyds TSB

Lloyds Witness Statement

Lost Accounts: Banks, Building Societies & National Savings

Lowell Group

 

Mackenzie Hall Limited

Main Page

MCOL

Mediation

Mercantile Courts

Mis-Claim Tutorial

MBNA

Money Claim On-Line

The Myth of 'Writing Off' Debt

 

National Westminster

Nationwide

Natwest

Newsletter

N.Ireland Competition Commission

N1

N1 Form

N1 POC

N205A Notice of Issue

Northern Ireland Small Claims

Notice of Correction

Notice of Disassociation

Notice of Discontinuance

 

OFT: Consumer Credit Register

OFT: Personal Current Accounts Report

OFT Test Case

OFT Test Case: Reply to Banks Defence

OFT Test Case : POC's

OFT Test Case: Q & A's 30 May 2008

OFT Test Case: Q&A's 14 August 2008

OFT Test Case: Transcripts

OFT v The Banks: Read This If You're Worried

Offers

Office of Fair Trading

 

 

Parachute Account

Parking Tickets: Changes to the Law from April 2008

Particulars Of Claim

Particulars Of Claim(Money Claim)

Patricia Pearl

Pay pal and ebay suspicious emails

Peter McNamara

PM

POC - Business Accounts

PoC

Podcasts

Poor work complaint letter template

Power of Attorney

PPI

PPI Complaints

PPI: Documents for Bundle

PPI: Full SAR (Subject Access Request)

PPI: Particulars of Claim

Prelim

Preliminary Approach For Repayment

Preliminary approach for repayment

Private Forum Messages

Private Messages

Private Parking Companies

Private Parking: Clamping Guide

Private Parking Ticket:s Template Letters - If you wrote before finding this site

Private Parking Tickets: Template Letters

 

Quality standards

 

Recording Telephone Calls

Rejecting OffersRejecting conditions

Rejection Of Offer

Rejection of Settlement Offer

Representing Someone in Court

RIGHT OF APPROPRIATION

Robinson, Way and Company Limited

Royal Bank of Scotland

 

Sale of Goods: Basic Rights

SAR

Sar

Schedule of Charges

Scotcall Limited

Scotish Small Claims Procedure - Act of Sederunt 2002

Scottish Step by Step

Sederunt

Settlement letter, rejecting conditions

Signatures

Small Claim Kit

Small Claims FAQ

Small Claims Procedure (Book)

Smile

SOGA

SOGAS

Spreadsheets

Statement of Evidence

Statutes

Statutes Library

Statutory Demands

Statutory Demand: Service by Post

Stautory Interest in Your CCJ: Are They Entitled To Claim

Stay Hearing: Court Bundle

Stay Hearing: Skeleton Argument

Stays re: OFT Test Case

Step By Step GuideSubject Access Request

Stop Junk Mail & Nuisance Calls

Subject access request

 

Taking Back Control of Your Finances

Tax on Interest

TfL: Bailiff Fees

TfL: Request for Refund of Excessive Bailiff Fees

Templates library

Thames Credit Limited

The Cabot Financial Group of Companies

The Consumer Action Group and MoneySavingExpert.com beat Hulll Strike Out Orders

The Consumer Forums

The Consumer Protection from Unfair Trading Regulations 2008

The Consumer Prtection from Unfair Trading Regulations: Complaint Template Letters

The Sale of Goods Act

The Supply of Goods and Services Act 1982

The Unfair Contracts Terms ActThe Unfair Contracts Terms Act 1977

The Unfair Terms in Consumer Contracts Regs. 1999

Theft Act

Things you really need to know

Tomlin order

Traffic Enforcement Centre: Code of Practice

Treasury Select Committee

 

UTCC

Unfair Terms in Consumer Contracts

Useful External Links

Utilities: Financial Help

 

Warrant of Execution

Wasted Costs

Wescot Credit Services Limited

When You Get Your Refund

Withholding payment letter template

Woolwich

Working for a Bank

Write concise letters

 

Yorkshire Bank

Edited by Michael Browne
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Well done Michael, and your 10,000 post too. I have asked the team to make it a sticky.

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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Fantastic. I'll sticky it.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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It still won't let me log in.

 

:mad:

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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That is indeed the problem - the hyphen.

 

Only way round it is to do as Michael suggests.

 

BTW - excellent job on the wiki MB, every time I go in there you've updated or added something new!!

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

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Thanks both - I'll do that.

 

And actually I'm English, Michael :p

 

Fantastic job you're doing, btw.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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  • 1 month later...

 

Alternatively, here are the Wiki A-Z links which will take you directly to that page:

 

NB You may need to log into the Wiki first, with your CAG username and password, before you can access the pages

 

Hi Michael

 

I just noticed that the "Intrum Justitia Limited" line in the above list is not actually a link, (perhaps intentionally).

 

Other than that, thanks for the excellent list. :)

 

Rob

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  • 9 months later...
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