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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
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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.

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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.
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      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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Im looking for some advice Piggybank,Sunny,Wonga


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Dear Payday,

Further to our previous correspondence, an ombudsman who has reviewed your case and would like further information for him to consider it further. I would appreciate it if you can send me copies of your bank statements from August 2014 until January 2016. I can then forward them to the ombudsman for him to continue with his review. I look forward in hearing from you soon.

Yours sincerely,

Anwarul Basher

 

this has came off the adjudicator? should i supply with all?

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Still with the ombudsman.. Awaiting final decision..

 

Is there any time this should take or should I chase it up?

 

18/08/16 I sent statements over

 

Asked 05/09/16if any update got told still awaiting his decision

 

Now 10/10/16 and still waiting

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  • 2 weeks later...

It appears that your complaint is back with me and the ombudsman has issued a provisional decision upholding your complaint. You should receive the decision in the next few days.

 

Yours sincerely,

 

Anwarul Basher

Adjudicator

 

Any idea what this means? Why has it been passed back from the ombudsman to the adjudicator that ruled not in my favour?

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Because the Ombudsman i believe dont deal with customers from memory, i believe the case remains with the Adj while the Ombudsman looks at all the facts.

This is a good thing :) It means someone has hold of your case at all times :)

 

Also please let me know when you get the formal decision.

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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Because the Ombudsman i believe dont deal with customers from memory, i believe the case remains with the Adj while the Ombudsman looks at all the facts.

This is a good thing :) It means someone has hold of your case at all times :)

 

Also please let me know when you get the formal decision.

 

Had This in writing today,

 

Looks like a outcome!!!!!

 

IMG_1292.jpg

 

 

IMG_1293.jpg

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PAyday! This is wonderful news! Alas shame that you gave them incorrect info about expenditure etc However that whats happens when you get sucked in with Gambling etc

Is this the end now? Is that all of the companies you originally had loans with complained and reclaimed to?

 

We could do with some help from you.

 

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

 

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Receptaculum Ignis

 

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Just an FYI - The CAG Newsletter went out today for October and your thread made the list for PDL Reclaims I wanted to Highlight.

Could you summarise the whole lot of what you reclaimed and end results? :) I would appreciate it :)

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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