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    • Thank you. I'm going to say that the photographs really don't say very much and once again it's a real shame that you didn't take lots of photographs of all the issues including the Windows and the state of the inside of the room. You can certainly bring a claim here if you want and we will help you but I'm really not sure of your chances of success. It sounds to me as if the manager you spoke to was dismissive and nothing was particularly agreed or admitted. If you want to bring a claim then I would start off by establishing a paper trail where you point out the things that were wrong and the fact that you discuss this with the duty manager who appeared to be dismissive. You could ask them then in general terms if they have any proposals to make. I think you're in weak position. I don't think you should start threatening them with legal action or anything at the moment and even if you did bring a legal action for the full amount I would probably advise you to negotiate a settlement of maybe 50% – if you're lucky – at mediation. Have you tried putting up Google reviews and reviews on trust pilot? This could also be a good way to start. I'm very sorry but when you deal with these kinds of issues then you need to collect evidence as quickly as possible. It is the first thing you always do when there is a poor hotel, a stone in your cornflakes or a motor accident. I'm afraid that you have to think this way and maybe it doesn't come naturally – but having run the consumer action group for 18 years, this is rather second nature. If you have any phone calls with them then you should read our customer services guide first and then confirm any admissions they might make in writing.
    • Starmers election winner    My dad was a toolmaker 🤣😂🤣   Sunaks election winner    I was a deprived child I didn’t have Sky TV🤣😂🤣   and Davey just makes a complete idiot of himself    Only Reform worth voting for ,follow the French at last they are seeing sense  
    • What is the value of the claim? Please can you post up the claim form in PDF format
    • Hello , sorry of this is in the wrong place. I have received in the post a County Court Claim claim form.  This relates to MYJAR and issued by TM Legal relating to a payday loan issued 11/2017, subsequently they issued a default notice 09/2018. The debt isnt on any credit reports.  4/4/2024 I had an email saying a Letter of claim was sent - this was not received , i replied to say I believed the debt was statue barred their response We are aware that the correspondence you have sent, is in a format that is circulated on consumer-based websites whereby debtors are encouraged to use the templates in order to avoid repayment of their debts. We do not accept that the contents of these templates bear any particular relevance to your case. For clarification, in line with the Limitations Act 1908, no claim may be brough after a period of 6 years from the cause of action. The cause of action in this instance is the Notice of Default served upon you by the original creditor on 24th September 2018. As such, the account is not Statute Barred. 10th June 2024 I have received a county court claim form and now i am unsure what to do next and how to complete and respond, I do not want a CCJ. Please help 
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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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Cheekiness towards a DCA


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So what do you know about companies such as Ruthbridge and Apex ??

 

Very little, but I do know about standard FOS guidelines and operating procedure. FOS is an excellent tool for dealing with companies who are trying to fob you off, denying receipt of letters, or responding negatively to a genuine grievance. It's just important to be aware FOS will not act unless you have already exhausted the standard channels of complaint.

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we know that the FOS will not do anything till the compalints procedure has been delt with but it does not stop us from ringing them up and getting advise on what we can do does it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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well i do anyway as they are not writing to me.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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We all know how effective the DCAs complaints procedure is. The Leeds Losers complaints officer denied all of my complaint and told me the alleged debt was enforcable and they could prove I made payments. I have yet to see this proof and now Lowells have said they cannot produce the agreement.

 

Strange change of view that. The CSA complaints procedure is an even bigger joke. Its a bit like asking Dr Shipman to carry out the PMs on his victims.

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Guest Orwell72

Scrap the 10p tax rate then give you back £10 a month mmmmmmmmmm

 

I wonder if online there is a thread that works like a virtual election or vote of no confidence be intresting just to see how big the reaction would be.

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Scrap the 10p tax rate then give you back £10 a month mmmmmmmmmm

 

I wonder if online there is a thread that works like a virtual election or vote of no confidence be intresting just to see how big the reaction would be.

Strikes me of a panic measure in order to try and scrape something from the forthcoming bye-elctions in Crewe and Nantwich:o

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Strikes me of a panic measure in order to try and scrape something from the forthcoming bye-elctions in Crewe and Nantwich:shock:

 

Yeah and I think even some of the Vote labour or die brigade will have worked that one out.

 

Stupid thing about it was that this was totally self inflicted. Oops, spending more than's coming in, ummmmmmm, I know, lets clobber the poorest people in the land.

 

I think this government is dying of pure bloody arrogance.

 

David

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So what do you know about companies such as Ruthbridge and Apex ??

 

probably just like all the other DCA's

 

ignorant of the law, say what ever they want to say and get away it, send threat letters demanding that you have not contacted them (after you sent at least 3 letters by recorded)

 

blah blah blah blah blah

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Guest Orwell72

The best thing about DCA is the crap they send you when you have submitted a CCA request

 

fine examples

  • Please can you confirm your last few addresses for security

So you don't know where I have lived or if your really have the right person

  • We want to offer you 25% off this debt

S#*T we might loose every hope here, get what you can

These are some of the examples of letters I have recieved

are there any others out there that you have recieved ?

 

 

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I must admit 'my dca' aaah, ringing to offer me a special sale experience a while ago had me busting a gut. I think they thought they were selling a lottery winning ticket with a guaranteed jackpot they way they tried to flog this 'favour'

 

They really think I'm stupid is the problem because I have always believed what they said was true with no proof ever sent to me. I was terrified and have since learnt to start to try to pretend to flog double glazing to them once they've finished. Just got the idea from some rubbish put through the door and repeated what it said, You buy one You get one free:D

She wasn't interested in my offer:mad:

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The Lowell ones are classics.

 

1st - We have contacted our client (for a debt they claimed to have purchased) and when our client sends us the requested documents you will be expected to pay up in full.

 

2nd. Our client is still getting the document but we are prepared to offer you a 60% discount if you pay us within 3 days otherwise you will have to pay in full when our client retrieves the documents

 

3rd Our client is still getting the document but we are prepared to offer you a 60% discount if you pay us within 3 days otherwise you will have to pay in full when our client retrieves the documents (Yes I know its identical to their second letter):rolleyes:

4th and Final letter We are sorry that our client cannot retrieve the requested paperwork so we are closing our files and you will hear nothing further from us:D:D:D

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lowells sent me the 50% off letter , dozy buggers , they aint getting a penny until they prove that i owe this money , which i believe they can not produce .

NUMPTYS

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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Just found this thread :)

 

Treat DCA's with the contempt they deserve, there is an example of one of my letters on this thread

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/125577-metropolitan-collection-services-action.html

yes it did go like that :D and funnily enough I have heard nothing since :)

 

pete

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I must admit 'my dca' aaah, ringing to offer me a special sale experience a while ago had me busting a gut. I think they thought they were selling a lottery winning ticket with a guaranteed jackpot they way they tried to flog this 'favour'

 

They really think I'm stupid is the problem because I have always believed what they said was true with no proof ever sent to me. I was terrified and have since learnt to start to try to pretend to flog double glazing to them once they've finished. Just got the idea from some rubbish put through the door and repeated what it said, You buy one You get one free:D

She wasn't interested in my offer:mad:

 

I can never work out how an advert featuring some long-haired, middle-aged thug shouting at the top of his voice "You buy one, you get one free" was ever supposed to sell anything. Who but an idiot would buy from that firm having watched that advert?

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I believe you may have answered your own question ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I believe you may have answered your own question ...

 

Quite right Tiglet, it was somewhat rhetorical. I bet I'm not the only one who gets irritated by that advert, though thankfully I haven't seen it for a while.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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It's the coat that gets me ...

 

Yep, that and the haircut. Like a downmarket Peter Stringfellow.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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I feel physically sick.

 

Well several thousand women didn't apparently. It reminds me of the question Mrs Merton once put to Debbie McGee: ".. so what first attracted you to the millionaire Paul Daniels?" Says it all really.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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