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    • Are you allowed to appeal if you plead guilty?   I know you appeal the sentence, but the criminal record formed from your guilt would surely remain?   I'm not sure if your able to appeal a crimianl record if you plead guilty are you?
    • DX: I did not pursue Link after I got the CCJ amended to monthly payments. Pretty sure the CCJ does not mention reviews, I do have the CCJ somewhere, I will have to look it up in storage. It is as mentioned on the thread you referenced  in your post #28. The Barclays loan was taken out in September 2004 for 60 months! Current Balance remaining approx £2K. On checking back my past correspondence with Barclaycard about this loan, there was a history of them ignoring my letters and offers to pay, and I even had problems in obtaining their bank account details for them to accept my payments! I have received strange correspondence from them too, one referring to insurance which I did not have. They seem very disorganised! Barclaycard told me to pay "Masterloan" a while back and I now receive regular statements and arrears notices from "Personal Loans from Barclaycard" clearly marked Masterloan, they changed the account reference number! I have never requested a CCA on this account. I advised them of my change of address last September, but they are still sending, until today, statements etc. to my old address! I have received 2 letters from Barclaycard Loan today though, not opened them yet!!
    • Yes, a few months ago. They wrote back saying there was no CCA and the debt was unenforcable. I then started gtting bombarded with threatening emails from their 'litigations team' which have been sent to spam. I've now recieved the letter before claim with the PAP form enclosed, but still no CCA or even a letter from them to say the debt is deemed enforcable. Thank you.
    • That's a shame but not unexpected.  I'm not sure about your assumed  questions because I haven't been to court but I'm not sure about not accepting a criminal record. It could be a language thing but it isn't your choice unfortunately.  HB
    • Have you previously requested the agreement by a CCA request ?
  • 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

i have won **************


vickyhes
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have had a letter today saying they are not going to give me anymore money than what they offered which is half please help,what should i do.I think its court for me they are not backing down.

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I would tell them no. You paid a fiver for them to print out the statements they sent you. If they want a duplicate set they can damn well print out a set themselves...at their own expense...

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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A friend had this from Abbey. I told him to ignore it - the court could hardly claim both parties were not privy to the same info, as they provided it to him in the first place.

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

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A friend had this from Abbey. I told him to ignore it - the court could hardly claim both parties were not privy to the same info, as they provided it to him in the first place.

thanks for the advice but what should i do next

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Just ignore it or ring them nd say no, it's your property. Although I would be tempted to say 'Yes of course you can have them. I will send you copies at £2 per sheet. Thank You!'

what a good idea lol

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Actually, I quite like the idea of charging them £5 per sheet.

 

Do unto others as you would have done unto you.

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.

 

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

 

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He He, I wouldn't be able to help myself, I'd make really bad photocopies, pack them in that rubbish envelope they sent mine in and mix them all up too! :p

iwould not like to get on the wrong side of you (lol)

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Sorry, I know I shouldn't post here but I'm new and I am looking for the library to access a copy of the dpa letter. I've been in the faq's but I seem to be going round in circles. cansome one help me !!!

 

It is the 3rd forum down, http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=33

 

And please don't hi-jack other peoples threads.

Ex CAG helper ^_^

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  • 5 weeks later...
  • 2 weeks later...

i have received a letter today telling me that i am not entitled to the money back.They said i was offered half but i declined this and the offer will not be raised.they said "i suspect this is unlikely to be the answer you might have hoped to receive but nonetheless thank you for taking time and the trouble to contact us."This is from Stuart Higley.PLEASE HELP.what should i do next

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have had another letter today saying

"i note that you are to instigate legal action against the bank and i have alerted our lawyers and litigation department accordinly.

i shoul explain that the OFT paper of april 5th was in fact a statement regarding administration charges on a credit card rather than a direction and we have until the end of the month before we have to respond."

Please can someone tell me wot all that means.

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Guest Lueeze

Have you read the forum? Your questions sound to me like you have not, please do this and do not owrry about the letter its a distraction technique!

 

Carry on with your claim

 

Louise

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Guest Lueeze

have you sent the prelim and waited 14 days and the LBA and waited anotehr 14 days? If so its time to claim, but dont do this lightly, read the library section about court 1st as its important you get this right

 

Good Luck

 

Louise

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I have just sent my LBA letter and given recent contact with Natwest, I dont think I will even get a response... so soon we could be in the same position.!!

 

Good Luck, I hope it goes well:p

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