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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
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    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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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.
      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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Money paid into account after closed??


Level103
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I recently had my account at Natwest (Student account) closed because of inactive usage for 6 months. They said that I owe them £1000 which is my student overdraft.

 

I said I agree to pay them £60 a month, and have been doing so for the last 3 months.

 

HOWEVER...

 

Today a large sum of my student loan got paid into the account that was closed; £1100 to be precise. I knew this was going to happen because the student loan company wouldn't allow me to change my bank details a week ago as it was too close to the time the transfer was going to be made into my bank.

 

How do I go about's retrieving the £1100 back? Does this now mean they owe the money?

 

It simply means the money has gone into the wrong account; and I can continue paying them £60 right?

 

Looking forward to your responses :)

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Hi

 

Similar thing happened with me and Barclays, ring up Student Loans and tell them that the money has been paid into the wrong account as the account has been closed.

 

The student loans company will have to re-call the money stating to Natwest that the money transaction was made by error.

 

You should get your money back.

 

Good luck.

 

IM

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Thanks for that!

 

I'll give them a call, however you think I will be able to get the money over the counter at Natwest? By simply ringing them and telling them the payment went into the wrong account?

 

A

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Grrrrrrrrrr

:mad:

 

Rang Natwest, who said the account wasn't fully closed, so I could make my repayments at £60 per month back.

 

I was then told the debt had been cleared by my student loan; which leaves me with no student loan.

 

I then said we had an agreement of £60 per month, not paying the full amount at once; which obviously happened when my loan went in.

 

They said he didn't know what to do, and that he had gone through.

 

I said I'll call student loan office and I did...

 

They then said that they cannot recall the payment unless it was their fault, but it wasn't...

 

How can I go about getting my student loan bank? Any letters I can send?

 

Also Natwest, said they will open my account back up in ten days maybe after review...Shall I just reopen my overdraft?

 

Grrrrrr :mad:

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Hi Level103

 

My advise was to speak with Student Loans only, not Natwest.

 

Ring Student Loans again and be firm with them explaining that you did contact them originally that the account was closed and you was told that it was too late as the money had already been sent to Natwest. Make it clear to Student Loans that you do not have access to that money and what are they expecting you to live on etc. They need to and should recall that money back. This really isn't a big deal for the student loans to deal with.

 

As far as Natwest are concerned, they've got their money, and it is highly unlikely that they will give you an overdraft again due to the previous issues.

 

Try again.

 

IM

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UPDATE:

 

Student loan company said they won't give the loan a recall, so I'm left with £0 at the moment from my loan. :mad:

 

I'm going to write a letter to NatWest stating that we had an agreement on £60 per month, and they are going against there agreement by taking funds that are not to do with our agreement.

 

What do you all think?!

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