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    • Notify them of your new address when you move yes.  You should do this with all your creditors and twice with the DVLA (once for licence, other for car V5C) Limitation period is 6 years for private cases.  Don't worry about a CCJ. They're a punishment from the court. For that you'd have to: Get a letter of Claim. Ignore that and get a formal claimform. Either not defend, not meet directions or go to a court hearing and lose (highly unlikely when following the advice here) Get judgement awarded against you Ignore this and not pay in full within 30 days. Only once all that has happened is a CCJ registered against you.  
    • Yes, you should tell them by snail mail if you move, just don't give them your email address. I think they have six years to pursue this, hopefully they won't. HB
    • Ok, thanks for this and noted. I am moving house in a couple of months - should I notify them of this? Is there a limitation period? I've never had bad credit and a CCJ could jeopardise my job for being a moral hazard.
    • It's attached... what do you need to see? Parking Ticket.pdf
    • Sorry not in the particulars of the claim in their letter before claim they state this but have not provided any thing.  I will change it to the claimant state they have the agreement and its terms and conditions but have not provided them. Other than this is the rest ok? 
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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
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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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great universal


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help have a account with great universal but fell in arrears made a arrangement to pay £25.00 a month but due to having give up work fell behind so now every time i pay £20.00 they r adding on £12.00 charges so i am not getting on top they will not let me make another arrangement with them . what can i do

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You should tell them to STUFF their £12 charges for late payment and there's no reason why you can't handle this debt yourself.

 

If you have many more debts and they are 'getting out of hand', then by all means seek advice from a recognised, free help organisation like CCCS or CAB (click here)

 

These late payment fees are well known to us here - they are a penalty charge and are unlawful (in our humble opinion!).

 

Part of our dedicated DEBT FORUM includes the following http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

There are sample letters to send to your creditors and spreadsheets to help you work out what you can afford to pay (and advice about which debts to prioritise).

 

Use those to generate a figure that you can consistently afford to pay and then try very hard to stick to the plan, otherwise the problems will only get worse.

 

Keep us updated about things and let us know what response you get etc.

 

Keep records of everything you send and every letter they send you and once you have paid back ONLY the money that you owe - minus any charges they impose - make it clear that all those charges will not be paid under any circumstances.

 

Enough to get your teeth into?

..

.

 

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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Send them a CCA request.

 

I was in the same situation. If you made an agreement to reduced payments, did they make you aware the also charge nearly £70 for this?????????? I bet not!

 

 

I cca'd them . they couldn't provide as I know I didn't sign one.

 

I deducted all the charges and interest .....sent them a cheque for the remaning advising full and final and no more Great Universal.

 

 

Idax

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