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  1. In brief - We went to a local independent flooring company, wishing to purchase a wood floor. The owner talked us through the various products, came to our house to look at the area it was for, measured up, checked the subfloor etc. He then recommended a product for us, ordered it and arranged for "his team" to come out and fit. He arranged the day and time they were to come out and told us that we should pay them cash on the day. In the meantime, he took moisture readings, spoke to the manufacturer and also the manufacturer of the underfloor heating we'd had put down, to check what u
  2. Version 5 of the BPA Approved Operator Scheme Code of Practice has now been published. Among smaller changes and tweaks, this removes the requirement for 'charges' to reflect a Genuine Pre-Estimate of Loss (I think you'd still win with this as a basis for defence in court) and replaces it with the words "Commercially Justified". Which is a giant can of worms if you ask me. http://www.britishparking.co.uk/write/Documents/AOS_Code_of_Practice_October_2014_update_V5.pdf
  3. I am posting on behalf of a friend who suffers severe depression and cannot cope with this issue. I am very behind on things and can't remember the best course of action so would be grateful for advice. Friend has a CCJ form from MBNA/Varde/H L Legal at Northampton. The date of issue was 30th November 2012 - my friend was a little in denial so only spoke to me last night. We believe that this MBNA credit card should be subject to a PPI claim - again my friend has not got onto this - and I remember the rubbish advice I got from CAB, not CAG, when I got a CCJ and spent years fighting to get
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