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    • FINAL UPDATE.  I have not posted as the defence were reading the thread.  An agreement was reached on the day of the hearing.   I am unable to go into detail but for those in this position the forum has been priceless support and advice so thank you all in the site team.   for those going through this, follow the process, ignore intimidating tactics and threats and get to the Judge.  They are very supporting of those self representing.   I note her name has gone from the heading of the thread.  Was this them ?  Thanks again.  
    • I'm not sure what the "appeal" system asked but he said he definitely didn't indicate he was the driver so I'm just going to have to take his word for it. Honestly, I don't think the hirer will contact them. I think my brother will tolerate it. I did have a similar experience with another company 6-7 years ago and sought advice on here then to which you guys told me to ignore, I got the exact same DRP letters and then a "Gladstones Solicitor" letter.  After that nothing happened and it died away. Based on my experience with that I assumed the same would happen here but only asked to see if perhaps anything had changed since then.    Hopefully it doesn't get to court but if it did, I feel like we have enough evidence to sway a judge who probably hates dealing with this type of nonsense anyway. Or maybe I'm too optimistic. 
    • Your attachment showing the cinema parking restrictions seems crystal clear. Let's see what the photos turn up.
    • Meter certification periods re given in The Meters (Certification) Regulations 1998, Schedule 4. From there you can check if they are correct about your specific meter .. https://www.legislation.gov.uk/uksi/1998/1566/schedule/4 If they're telling porkies then you have e clear grounds to tell them to take  hike. If they're correct or if you haven't been able to confirm then you have  few options. You could just keep fobbing them off. In general Octopus can't keep up with demand for smart meters. It took 9 months to get our. So they may not push too hard. Or ask if you can install your own choice of meter. The Electricity Act 1989 cover this in Schedule 7 (2) and (2A) https://www.legislation.gov.uk/ukpga/1989/29/schedule/7 Or fight the them and their enforcement. Or go off supply.
    • We received a copy of the completed Directions Questionnaire (N181) from the solicitors along with a draft copy of their directions. I am on a course today so can upload over the weekend if needed. By 4pm on 16th May both parties must each give standard disclosure of documents by way of list by category. By 4pm on 30th May any request for inspection or copies of docs must be made and compiled 14 days thereafter. I will provide more over the weekend.
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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 
      • 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
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monument credit card problem on credit report


postmn
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I got into serious trouble a while ago and entered into a dmp with all my creditors which they accepted and froze the interest .

 

everyones share was on the bigger the debt the bigger the % and everyone was happy with this .

also as soon as one creditor was finsihed i redistributed their share to the remaining creditors until finally i only had mbna left

 

they had frozen interest etc so i had no problem and then i found i could pay more than i had set up with them

so i increased it to the new amount

subsequently they started charging me interest .

 

is there any chance of getting them to return the interest paid

since i was in a arrangement with them (Or so i thought) .

ot did i blot my copy book by increasing the payment to them

 

many thanks

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  • 2 weeks later...

I had a monument credit card and finished paying it last year through a dmp i se4t up myself and i made a overpayment of £6.03 so i wrote a letter asking them to close the account and refund me the money and i banked this on 1st of aug . however i have checked my credit report and monument is still showing as open with a balance of £8 how can i get this error rectifiled because i seem to repmeber barclays sold this business

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I had a monument credit card and finished paying it last year through a dmp i se4t up myself and i made a overpayment of £6.03 so i wrote a letter asking them to close the account and refund me the money and i banked this on 1st of aug . however i have checked my credit report and monument is still showing as open with a balance of £8 how can i get this error rectifiled because i seem to repmeber barclays sold this business

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Hi Postmn,

 

You should firstly give Barclaycard (who, I believe, now own ex Monument cards) the chance to remedy the incorrect entry.

 

Write to them with details and ask them to correct their error within 14 days or you will take further action. Use Recorded Delivery.

 

If you want, you can also write to the CRA(s) to point out the error and ask them to amend the entry while the matter is resolved. See here for a letter you can adapt - http://www.consumeractiongroup.co.uk/forum/showthread.php?131232-Credit-Reference-Agencies-Multiple-defaults-for-same-debt.&p=1379291&viewfull=1#post1379291

 

More info here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?72-Data-Protection-and-Default-Issues

 

If they fail to comply, come back for further help if needed.

 

:-)

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Hi Postmn,

 

You should firstly give Barclaycard (who, I believe, now own ex Monument cards) the chance to remedy the incorrect entry.

 

Write to them with details and ask them to correct their error within 14 days or you will take further action. Use Recorded Delivery.

 

If you want, you can also write to the CRA(s) to point out the error and ask them to amend the entry while the matter is resolved. See here for a letter you can adapt - http://www.consumeractiongroup.co.uk/forum/showthread.php?131232-Credit-Reference-Agencies-Multiple-defaults-for-same-debt.&p=1379291&viewfull=1#post1379291

 

More info here - http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?72-Data-Protection-and-Default-Issues

 

If they fail to comply, come back for further help if needed.

 

:-)

We could do with some help from you

                                                                PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

                                            Have we helped you ...?  Please Donate button to the Consumer Action Group

 

Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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  • 2 months later...

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