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    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
    • Greetings, I'm writing to seek assistance with an ongoing issue I'm having with Manchester Council.  I parked my car in a residential area behind Wilmslow Road to go purchase some food, not realizing it was a no-parking zone. I later received a letter stating I had failed to make the required payment, and the penalty had increased. I appealed the fine, explaining that I had parked there but never received the original Penalty Charge Notice (PCN), so I was unaware of the need to pay. However, the council's reply did not address my initial concern. Is there anything I can do in this situation? I admit to parking there, and I was willing to pay the original fine, but I don't think it's fair for them to demand a doubled amount when they failed to send me the initial PCN.  Any advice or guidance you can provide would be greatly appreciated. Thank you in advance for your assistance.   MK Document.pdf
    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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I AM BEING ABSOLUTELY HAMMERED BY THESE BUNCH OF CROOKS,IF THEY WORE MASKS THEY COULD BE CALLED DICK TURPIN.I WOULD BE GRATEFUL FOR ANY ADVICE ON THE FIRST STAGE OF CLAIMING THE CHARGES BACK ie WHAT TO DO FIRST, WHAT TO WRITE IN MY FIRST LETTER ,HOW TO SEND A DATA PROTECTION LETTER TO GET MY STATEMENTS ETC, I'M NOT GOING TO SIT BACK AND LET THESE PEOPLE KEEP ME IN THE RED AND WORRYING WHERE I'M GOING GET THE MONEY TO PAY THEM WHEN MOST OF WHAT I OWE IS UNLAWFUL CHARGES,!!!!!!!!!!!!!PLEASE HELP!!!!!!!!!!!!!

THANKS:???:

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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Hi Richard

Welcome to Forum. It's great to see someone else from Northern Ireland ready to join the fight.

All the letters you will need are in the template thread in the main part of this site.

 

1. You send off your DPA (allow 40 days to respond)

2. You send off your peliminary request for refund (allow 14 days to respond)

3. You sent off your letter before action (allow 14 days to respond)

4. You lodge court papers in the small claims court.

 

Its really simple and all the answers you will need are in the frequently asked questions.

If you do need any help just shout as there are loads of people here to help!!

GOOD LUCK

Flo

  • Confused 1
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Richard first step would be thoroughly read the FAQ's they will address all issues of how to proceed.Then when you have familiarised yourself with what is involved,the templates section will give you all the letters you need to send. It's really very straightforward when you have studied all the relevant info on the site and the main thing to remember-don't let them fob you off or bluff you-you will get what you want.And also open a basic bank account with another bank before you start(what is known here as deploying a parachute!!)in order to circumvent the hassle which will arise if BOI decide they want rid of you and close your account at the end of all this.....

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read everything you see, no matter how irrelevant it may seem.

any questions that have not been answered, just post them on here.

tell your friends about this site so that as many people from here can join in. the BIG 4 have had it to easy for to long

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thanks for the advice everyone,lets get stuck in to these crooks,i'll get started asap,cheers,will post details of progress

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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hi guys,its richard again,this is probably gonna sound like a really daft question,i hope someone can help without laughing!! i have read the faqs and have now gone to the templates page to view the data protection letter which i have to send,!!!!!!!!this is the stupid part!!!!!!!!! DO I PRINT THE LETTER OF,i was wondering that if i print the page it will give me the parts like:: account number xxxxxxx,and (their address) (your address) etc, would i have to print this page,scan it back into the computer and then alter it to suit my situation and then reprint? SORRY IF THIS IS GONNA WASTE ANYBODIES TIME FOR SOMETHING STUPID BUT I REALLY WANT TO TAKE THESE CROOKS TO THE CLEANERS,THNX A LOT PEOPLE!!!!!!!!!!!!!!:confused:

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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HI,THANKS AGAIN FOR THE ADVICE,I CLICKED YOUR SCALES,I WILL TRY AND DO THAT BUT I SAY TRY,I HAVE NEVER COPIED AND PASTED BEFORE BUT I WILL HAVE A GO UNTIL I GET IT,THANKS A LOT:grin:

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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Hi Richard

To do this just right click over the top of the letter. It will then give you the option to 'select all' - Click on it and it will all highlight in blue. Right click again and then select 'copy'. Then open a new document in Word. Right click in it and select paste.

 

After you have done this you can edit the document to suit yourself. Delete all the xxxxx etc and put in all your details

Again if you need anything else just shout!!!

CHEERS

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Evening All, Its That Stupid Guy Again, I'm About To Ask Another Stupid Question::: Is There Any Other Way For Me To Use The Templates Other Than Copy And Pasting To Word? It Seems That I Don't Have The Full Version Of Word And My Free Version (i Got It When I Bought The Computer) Has Expired,i Don't Really Want To Fork Out Any Money ,the Bank And Credit Card Companies Have Taken It All,sorry To Be A Nuisance But I Really Want To Get At These People,,,thanks A Lot For All The Advice Given Already

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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Do you have Wordpad installed?

 

Start > Programs > Accessories > Wordpad

 

This should do the trick

  • Confused 1

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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CHEERS FOR THE INFO ON THE TEMPLATES GUYS,GOT THE LETTERS SORTED AND I'M POSTING THEM RECORDED TODAY,FEEL SO MUCH HAPPIER THAT I'VE GOT THE FIRST LETTERS OFF TO THEM AND THE PROCESS HAS STARTED,WILL KEEP POSTING UPDATES OF HOW I GET ON,I HAVEN'T NOTICED MANY PEOPLE ON THE SITE WHO HAVE CLAIMED AGAINST THE BANK OF IRELAND ,SO HOPEFULLY WHEN I GET A POSITIVE RESULT IT WILL ENCOURAGE MORE PEOPLE TO DO SO,CHEERS

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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  • 3 weeks later...

Hi Y'all,just A Wee Update On The *ank ,sorry Bank Of Ireland,still No Reply ,looks Like They Are Going To Be As Bad At Replying To Letters As They Are Good At Charging,although There Is No Problem When They Are Sending Letters Out To Harrass People,i'll Keep Waiting With Baited Breath,just Hope They Don't Comply Then I Can Put In A Complaint To The Information Commissioner,god Luck Everyone I'll Keep You Posted:)

B.of.IRELAND-FINAL RESPONSE RECEIVED(NO OFFER)CLAIM BEING FILED

Capital one-offer received for £240(not even half claim)CLAIM BEING FILED

Barclaycard-offer received for £430(not accepted)CLAIM BEING FILED

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  • 6 years later...

Hi Richard,

 

Which? the Consumer Group are currently campaigning to the Bank of Ireland about their unfair charges. It might be worth visiting their Consumer Rights website and using the online complaints tool to send your complaint directly to the bank from that end too!

 

Hope this helps,

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