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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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.

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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.
      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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Found out i had CPP+ ins since 2008 - help


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Hi there.

Where to start?

 

 

I'm a busy mum of 2 who has just graduated (First Class honors but I still can't even take care of my own affairs account wise,

I hang my head in shame!) and

 

 

I have a MOUNTAIN of catching up on life to do.

 

 

Firstly sorting out my financial affairs and what the hell is that I have been paying out each month if its not a direct debit??!!

 

I (apparently) joined Credit Expert back in 2008!

I don't even remember joining, I assume i spur of the moment signed up for the free months trial and didn't read the T's and C's.

 

I have never used this site although I logged in once in 2010,

I don't remember this either,

maybe I came across my login details and wondered what it was or perhaps I opened a link in an email,

I have no idea.

 

 

I am have currently been paying £9.99 per month, though I am sure back in 2008 it probably wasn't as much as that.

I called today and cancelled my account,

I have a few days left to use it, but I am scared to login in case they reactivate my account or charge me,

after all, they have my card details!

 

 

I enquired as to why I couldn't cancel this direct debit and he said it wasn't a DD OR standing order but a credit card payment that they take each month.

 

 

So how could I have been charged all this time when numerous cards would have since expired and changed numbers?

Because visa have passed on my new details each time, he said. Wow Visa, thanks for looking out for me!

 

So, the question is,

can I claim back any of the money I have wasted?

Does anyone know how much of the £9.99 payment was insurance that I didn't ask for?

Or the previous amount I would have signed up for?

( I think someone said it was £6.99 p/m back then for the service,

what of that would have been insurance?)

 

 

I feel like I have totally been taken for a mug and a I am angry with myself that I have not been paying enough attention to my accounts.

 

 

As it's not listed on my DD or Standing order page I have totally missed the boat on this each month probably looking it over as a generic card payment.

 

Can anyone advise me?

I would like to claim back but not sure of the order of my steps here.

 

Does anyone have a nice bullet point formula for success that I (WE!) can use as a fools guide.

 

I see some template letters here, would you recommend these or add or subtract any thing from them?

 

I feel in over my head and would love nothing more than to scoop a cheque up from this to ease the ridiculous amount

I have wasted paying them for a service I haven't even used.

 

 

I don't even have any cards or catalogues or loans or anything like that because I don't want to get in debt.

 

 

It's ironic that I have paid them hundreds of pounds for this!

Any help much appreciated

A :)

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as far as we are aware

the reclaiming of CPP ins closed on the 31st

 

 

give them a ring.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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