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    • No I have not. I will probably do that
    • Based on ECP's previous, what will definitely happen is this. They will send more idiotic letters. After they will send a Letter of Claim, and it is essential that your brother replies at this point to this to show them he would be big trouble in court. Next it is highly likely (but not certain) that they will crawl back under their stone and that will be the end of the matter. The slight worry is that if they do do court it will seem a likely story to a judge that your brother has no connection to the ticket, when it was him who appealed and replied to the Letter of Claim.  Indeed I think it would seem the lot of you were playing games with ECP and with the court by getting unconnected people involved and then later deny they were involved. So be aware there is that slight risk. You talked about "a mess" in your first post, and you weren't wrong. Someone hires a car and gets a ticket.  There is an appeal.  Who appeals, the hirer?  No, the hirer's mate's son.  Obvious! There is an approach for help to a consumer website.  By the hirer?  No, by the hirer's mate's son's brother! This is so damn silly and totally avoidable. Anyway, it seems the decision has been made for your brother to carry the can so whatever consequences will ensue will ensue. 
    • Doc 04-19-2024 11-01-51-merged-compressed.pdf good morning.    9 pages attached.    thank you  UCM
    • Hi I was being supplied my ovo after unknowingly being swapped from SSE.  My issues began when we had a smart meter fitted and our bills almost doubled overnight - we at the time assumed we were just paying not enough until then and just continued to pay the excess bills each. Month.    I would from time to time contact ovo and get faced with a call centre on South Africa of the most rude agents who would just hang up after hours of wait and I could not even get an acknowledgement of an issue with my meter.  At one point we were not in the property for like 4 months and the bills were coming just as high!  It was at this point I was sure something is not right and ovo only care to send bailiffs and started threatening us with a pay as you go meter despite me taking out a 3.5k loan to pay of my outstanding balance.  Around 1600 each on both gas and electricity.  This is where its gets really bad -  the very same day they sent me out a new bill saying the money paid already was only to cover up until the November previous and because its now Feb we owe another 1k.   By that August this had risen to over 3k and I still couldn't get anyone to even acknowledge a fault let alone fix it.    In despair I tried to swap suppliers and to my surprise octopus accepted us because even tho the debt is owed we are trying deal with.  During our time with them the bill was coming only on my wife's name as I was responsible for other bills and she this one - now that we owe them 3k they have magically started adding my name as well as my wife's to the same debt to apply double pressure and its showing on my experiwn report now with a question mark and 2700 showing in grey -  This was my wife's debt which we dispute we owe yet the have now sent me letter with both our names on from oriel and past due credit debt agencies - is this illegal and how can I get them to take my. Name of this and leave on wife's name as its so unfair they give us a both a defualt for wife's debt which we dispute anyway.    In the end about 3 weeks ago I wrote an email to their ceo and rishi sunak and low and behold for the first time in our history with ovo someone who spoke English contacted us and said she will look into our claim.    I explained to her that we feel our meter is faulty and despite me contacting them using WhatsApp email and phone I still have not got anyone to acknowledge a fault even. And that I dispute I Owe anything as my son was in hospital for 3 months and we stayed with him so house was empty and still. They were sending us super sized bills more than when we started at home.  She promised to investigate and a few days later replied that she is sorry for the poor customer service and offered us £50 compensation - however she also. Mentioned that she's attached statements for us confirming the payment for 3k I made was only up until Nov and in Feb despite me pay 3.5k nearly it's correct for them to bill. Me. Another £900 the very same day and she did not agree our meter was faulty and therfore the debt stands and she will not be calling it bcak from past due credit.  During my time with my new supplier post ovo, octopus I requested tehy check my. Meters because I felt they were faulty and over charging me and I got excellent response asking me for further details which I supplied and I got a. Response bcak within days to say my meter was indeed faulty and octopus have now remotely repaired it.   I then contacted the energy ombudsman and explained my situation how she at ovo tried to fob me off and demand I apy money we don't feel we owe due to faulty equipment we reported but ovo had to process or mechanism to deal with it or lodge complaint even without having to cc their ceo and our pm. And now I feel sick to think both husband and wife will get a 6  year default for debt which have a validity of a questionable nature.    I explained all this to the energy ombudsman and they accepted my case and I explained to them that my new supplier found my fault which ovo refueed to accept - I've uploaded the email from new supplier to ombudsman showing we had a fault.    My. Question is is there anything I can upload in defence of my case to ombudsman before they decide outcome ina few weeks    All advice greatly appreciated not only would I like advice on how to clear this debt but also how I can pursue ovo for compensation and deterrence for the future.  Thansk 
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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
      • 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

Bank Charges- Donation Fund


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This fund will be for people who are to scared about the financial implications on the light of the news that bank charges claims are now being moved to higher courts....... As the financial risk of losing are high this fund will support people in there challenge to reclaim therebank charges

 

I think the fund should be for a particular (one individual) fight against the banks regarding the newer arguments that have so far been untested.

 

If the funds were used to fund numerous court actions, then that would mean that multiple donations from the same people would be needed. As logic tells me instead of 20k we would need 20k x number of people going to court.

 

We don't need to fight using several people, we need to fight it using one person, then making it a standard to be used in the future for the benfit of others.

 

Sorry if I have misunderstood your posting, but that's how I read it.

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Hi Guys,

 

Could I suggest that as it is unlikely we will get all CAG members to donate that maybe we should raise the figure a little to just £2 per donation. I think this is still an affordable figure and would generate alot more revenue for this battle, because whether we like it or not it is going to take alot of money to achieve what we want.

 

This is just a suggestion that's all.

 

TheyrCriminals

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Evening all,

 

What a great idea, I agree £2 is a sensible figure.

COUNT ME IN, and tell me when you want me to contribute.

 

Best wishes to all as always

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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This thread was set up as a proposal to see if members cud donate.... This site has helped thousands of people me included ...... And was set up because of bank charges...... The next step is

1. For admin and site team is to highlight this thread on cag

2. Nominate a account that the fund can be paid into

3. Regular update on fund total

4. Pick out cases in extreme cases that can set a prescedent for future cases

5. Inform people on update cases and how cases can be fought

 

but this thread can only suceed if someone on this site promotes this fund and let every member know

 

site team it's now down to you

 

many thanks

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but this thread can only suceed if someone on this site promotes this fund and let every member know

 

site team it's now down to you

 

many thanks

 

£3000 to email all members according to Bankfodder..

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

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Step 1 should be to decide on a game plan, with Step 4, and with admin/site team, which I don't think has yet been done, without that I can't see the fund getting off the ground.

 

Step 5 could, and should, be being done already.

 

Keep at it Jdes, doing great :)

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£3000 to email all members according to Bankfodder..

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

Doesn't need an email - they have a home page, announcements, sidebars and advertising - I assume they also have facebook, twitter, they also have the ear of the press on occassion. There are also other sites which might assist. But only once a proper action plan is in place and the right people in place to run it - and if necessary the right legal bods on board.

 

It needs to be transparent, well organised and professional, if it is to get off the ground and actually assist the fight against unfair charges.

 

If admin/site team aren't keen then you have to take that as it is and keep battling away from the ground level.

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£3000 to email all members according to Bankfodder..

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

 

Excuse me? £3,000 to email all CAG members? I think not. Who has said this and how can it possibly cost this amount to email all CAG members?

 

TheyrCriminals

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Excuse me? £3,000 to email all CAG members? I think not. Who has said this and how can it possibly cost this amount to email all CAG members?

 

TheyrCriminals

 

Middenmess is right I think - I seem to remember reading this on a thread also.........just can't remember which one unfortunately

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi,

 

I can see no valid reason for a generic email sent by an orgainzation to its own members costing £3000. All your paying for is electricity and one person's time!!!!!!

 

TheyrCriminals

 

Why not try and get an explanation from Bankfodder as co owner of the site?

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Hi Rebel,

 

This isn't a bad idea at all. Is there no way we could realistically get on board just one celebrity, is there not one person in the celebrity arena that would be prepared to become a public face of this campaign? If we did achieve this it would be a great catalyst for public exposure. Which celebrity isn't a huge fan of capitalism, banks or amoral profiteering?

 

TheyrCriminals

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The guy we need is Billy Bragg,

 

http://www.thefirstpost.co.uk/58540,people,entertainment,billy-bragg-leads-facebook-protest-against-bankers-bonuses-income-tax-deadline

 

What we need is a 5 minute outrageous sketch on Youtube, something the media would pick up on and that would make the banks

cringe. Maybe a Robin Hood theme, or Dick Turpin. Trigger peoples Conscience, for far too long have we been

sleep walking into the hand of the banks.

 

I'm sure Michael Moore could come up with something.

 

Hi Rebel,

 

This isn't a bad idea at all. Is there no way we could realistically get on board just one celebrity, is there not one person in the celebrity arena that would be prepared to become a public face of this campaign? If we did achieve this it would be a great catalyst for public exposure. Which celebrity isn't a huge fan of capitalism, banks or amoral profiteering?

 

TheyrCriminals

Edited by rebel11
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