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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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      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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    • 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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Good afternoon

 

I currently have an ongoing complaint which has recently progressed to a complaint being made to the financial-ombudsman.

 

I recently received some letters from bright house regarding a late payment fee which say's on all 3 letters that the date of Agreement being 21-11-2017.

Is this the actual day they claim the agreement/contract was made?

 

As One of the items is a Television id took an agreement on in november 2014 and should of been paid of by now but which they claim over £1000 is owing on

 

When challenged about this i stated that we had items 2-3 years after that and told them they would of not allowed us more items if we that far in arrears at which he said he only knows what was written on his pda (called to our home)

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what did you complain about to the FOS

its not clear in your post.

 

all the late payment fees as well as the hidden insurance can be reclaimed at their interest rate.

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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hi and thank you for your reply

 

The complaint is regarding a t.v we had from them in 2014 which should of been paid up last november but they suddenly claim we owe £1000+ on even though we never missed it and we even received a "we owe you refund payment" on a couple of months ago. They have failed to send a copy of the contract when asked and have not replied to my emails

 

My question is on the statements it says the "date of executed agreement - 21-11-2017" does that mean they claim thats when we took the contract out? i have receipts showing payments well before that if so

 

Once again thank you for your time

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why don't you send them a CCA request.

I'm not sure what' date of executed agreement - 21-11-2017' means.

 

how much was the TV and how much were you paying weekly?

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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Hi

i have just read up on how to send a CCA request which il go about doing.

 

The T.V was £23.00 a week for 156 weeks and was an LG 55 inch TV.

We had originally ordered a 3d TV for around the same price but then for some reason they could not get for us so they gave this one

 

thank you and sorry for my unclear post, I am not very good with explaining in detail while keeping things clear

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that's seems rather cheap £529 for a 55" thru these fleecers.

think you've got the time frame wrong.

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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Share on other sites

I know ive put socks back on now:lol:

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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Share on other sites

Is anyone able to confirm if the date of executed agreement means the date they would be claiming the agreement was taken out. For me it does seem like it would have too but confirmation would make me more certain

thank you in advance

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surely its nonsense unless you took out a new contract then

i'm still trying to understand what your problem actually is other than them saying you still owe £1000

when you think going by your agreement in 2014 its been met

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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Share on other sites

Is that not big enough a problem but apart from that it is to see if i had understood what it meant by "date of execution of agreement".

 

Also its just another case to show the blatant attempt to rip a customer off. When i challenged the rep who called around he even claimed that when contacting brighthouse through the website it is just a contact centre

 

One other question i have is if i request a copy of the contracts do they have to send a copy of the original contract which holds my signature ? as the ones they had last sent a while ago had no signatures

 

Im sorry i am really just after comfirmation of things as i still cannot get around the fact that its happened

 

Thank you for your time commenting dx100uk. Sorry if i am waisting your time or unclear

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then cca request time get the truth

oh and you do know the doorsteppers are totally powerless.

they are not bailiffs

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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Share on other sites

Thank you i am going to send a CCA Request in the morning. The chap who had called around was rather intimidating and had even placed his foot infront of my door which i guess is in case i closed it. I had told him that i was currently in discussion with customer support and explained the situation and he had replied that those i contacted are only a contact centre and he will keep calling around

 

Thank you for confirming that i should send a CCA Request. i had not known of this until today

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well next time film him with your phone

and tell him to go away else you'll call police 101

they like any DCA have ZERO legal powers

 

pers i'd be writing to the CEO and complaining about what he did.

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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Share on other sites

Is anyone able to confirm if the date of executed agreement means the date they would be claiming the agreement was taken out. For me it does seem like it would have too but confirmation would make me more certain

thank you in advance

 

The execution date is the date on which a contract has been signed by all the necessary parties. This may or may not be the effective date of the contract, which may be specified in the body of the document.

 

It may supersede any previous ongoing agreement or may refer to an older agreement entered but only executed 21-11-2017

 

Andy

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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The item in question was purchased 3 years prior in 2014 so it would be unusual to execute it 3 years later would it not

 

. The date they have given is one month after the date the actual contract would of finished

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well next time film him with your phone

and tell him to go away else you'll call police 101

they like any DCA have ZERO legal powers

 

pers i'd be writing to the CEO and complaining about what he did.

 

I did actually record him stating that the CAB (citizens advice) would have no way of helping me as they are a 3rd party and also him saying that they cannot give a copy of contracts or payment information to me and also that the customer support for brighthouse is only a contact centre and cannot help in any way

(I was unsure of the law regarding recording someone so i did inform him)

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The item in question was purchased 3 years prior in 2014 so it would be unusual to execute it 3 years later would it not. The date they have given is one month after the date the actual contract would of finished

 

Unusual yes..... but then again this is Brighthouse and most probably forgot to execute the agreement from the original date (2014) of inception...ignore their date your date runs from when you entered and the payments you have made..

 

Your following post clarifies that their staff have no idea of the CCA1974 or consumer matters or what Citizens Advice actually perform.

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 OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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You say "one of the items" so have you bought anything else other then the telly?

 

they may well have set up an agreement on that date for something else and then got the items and agreements confused.

 

list all of the times with purchase dates and then I have no doubt the picture will become clear

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I have had a few phones after i purchased the television. I

 

I did state to them that if i had been so far in arrears would they have let me have more items with the last item being from mid 2017

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so you've sent a CCA request now?

  • Confused 1

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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Share on other sites

then I would bet that the agreement they have dug up relates to one of them.

I have had a few phones after i purchased the television. I did state to them that if i had been so far in arrears would they have let me have more items with the last item being from mid 2017
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