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    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
    • I drove a friends a car for a few days and I used cuvva car insurance to insure myself for the time period. Here's the problem: I made a mistake with the dates on the insurance, I ended up driving uninsured for one day and I got a speeding ticket. My friend named me as the driver on the Notice of Intended Prosecution as she should and I will take the blame of course. Will met police ask for proof that I was in fact driving? I mean, any more other than me replying to the NIP that I will soon receive from them? Cause I assume that my insurance for the day will be the proof that they need... Secondly,  if caught driving uninsured, what will happen please? I read it's £300 and 6 points. Is that all or is it worse? I'm only asking for information from knowledgable people. If you intent to just mock, you're certainly not helping. Thanks
    • Hi, Please find letter sent to BMW with all evidence off issues which is a link from Audi. Unable to share the footage on this forum as I am not the best with tech BMW FAULTY CAR LETTER.docx
    • This is the first item that I've ever claimed for - I don't really send too many parcels, probably 5 in the last 5 years, and only two with P2G / EVRi. I've attached two emails from P2G regarding their requiring the documents. They don't specify in the emails what documents I should be sending, although when opening the claim they were requesting that I needed photographic proof of sending - picture of the parcel with their label attached, in the EVRi ParcelShop. The second email is their closing the enquiry due to my failure to produce said document(s). I haven't yet drafted my claim letter, I wanted to be sure of this document situation first before I began action. But therein lies another problem. Not having a P2G account, I cannot be sure of the item value that I declared. The retail value at the time was £600, which is less than the £650 I paid several months earlier, so I would likely have used that, but cannot be sure. And without having an account I can't check either. But, I know that I did properly declare the item and a value that reflected its then retail price - I was concerned this declaration may have been used to single the item for theft. But now that the retail price has reduced substantially, even though the nature of compensation is to return the claimant back to their original position, without my purchase receipt, I was concerned that I may have to claim for less. And yes, I've been through your huge document store of information, in addition to MoneySavingExpert, Which, Citizens Advice, Gov.uk "make a court claim", my own law books (annoyingly I specialised in consumer law when I studied for my law degree, but I graduated 17 years ago), and so now feel that its time to either act, or drop it. P2G Enquiry (2).pdf P2G Enquiry (1).pdf
    • I have found both forms online  https://assets.publishing.service.gov.uk/media/62e14db38fa8f5649f912647/TE9.pdf https://assets.publishing.service.gov.uk/media/60c73ad0d3bf7f4bd6a9bc69/te7-dart-eng.pdf   do i just fill in both forms and send to the address on them or directly to Manchester council  forgive my ignorance    thanking you in advance 
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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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Cheekiness towards a DCA


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Are you spying on me Fred :p

 

Well I was in Welsh Wales on Saturday!

 

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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Keeping on topic, here's a post that might just give you a giggle: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/213329-cabot-has-anyone-ever.html#post2345750

 

I am serious though. I'm intrigued as to what the reaction will be.

 

Regards to all.

 

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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Actually, I haven't ever been to a Tom Jones concert :D

 

Today I'm wearing black lacy french knickers :D

Now Babybear, you know the buttons to press don't you. My pacemaker is over loadingggggggggggggggggggggggggggggaghhhhhhhhhhhhhhh. Nurse the screens please.

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After months of people phoning me for a debt i know nothing about, I had enough. I have a fella on the line telling me to pay which went like so:

 

Me: Im not paying

Him: Why not?

Me: Because I have seen a really big hat that I want to buy with matching boots!

Him: (something about irresponsible spending ect)

Me: But the boots are really shiny..(long pause)..and as I have never used eBay, how can I owe them money?

Phone down.

 

I thought it was just a [EDIT] but it turned out to be iQOR!!

I remember this when it was all just fields....

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Try invoicing them with a letter before action. I did that. Never heard a peep again.

Keep the faith. EiE.

 

Capstone Mortgage 'Services' - Sub-prime garbage - unlawful behaviour/MULTIPLE consumer abuse, TOTALLY in Defiance of REGULATIONS and the law

 

http://www.fsa.gov.uk/pubs/final/gmac_rfc.pdf

 

CONTACT CIB Here

 

http://www.insolvency.gov.uk/Complaintformcib.Htm

 

Kevin Hughes(Compliance Manager-main) @ 02920 380 633

 

Lee Jenkins(prosecuting Amany Attia) 02920 380 643

 

Mark Youde(accounts compliance) 02920 380 955

 

Charlotte Allan @ 0207 596 6108 investigating all the Lehman lenders

 

Jeremy Pilcher 0207 637 6231

 

NO KAGGA LEFT BEHIND...

 

"We would not seek a battle, as we are; Nor, as we are, we say we will not shun it"

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I thought it was just a [EDIT] but it turned out to be iQOR!!

so it was a [EDIT] then? LOL I don't think most DCA's are any better than [problematic] :p

 

My bank (who my account is in dispute with as it shows overdrawn but only because of charges) set a DCA on me. I told them to shut up or take me to court (I'm not normally rude but the fella wound me up saying it didn't matter that the case was disputed LOL) so they took me to court, I filed a defense and they dropped it like a hot potato :D

 

 

Answering the phone to a rude DCA £0.00

Filing a defense £0.00

Having a laugh on CAG when a DCA wastes money taking me to court, and dropping the case within a week priceless

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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i hope u put a wasted costs order in.

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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I only filed on-line that I would be defending on the grounds that it's against the OFT debt collection guidelines to try to collect on an account in dispute and they dropped it.

 

I'm just glad that the £125 court fees disappeared from Fredrikson's coffers. Few more of them should eat into their profit margin LOL

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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Hello folks,

Had a little laugh with Mercers the other day. Usually I'm far too busy, or too ill, to be bothered with answering their phone calls - I either shut them off as a noise nuisance or answer and wait for the computer to connect the operator - at Hello? from a call centre ambience I put the phone down. It's petty, I know, but I'll be damned if I let them harass me, I'd sooner harass them a little and not be bothered ...

 

So the other day I was having that rarest of things, a few minutes peace and quiet and flippin' Mercers called. I missed the call but found it a minute later and called them right back. Well, I was bored. And I'm practising a bit!

 

Mrs: Hello, can I have your account number please

LL: I don't have any account with you.

Mrs: Well, what is your Barclaycard number?

LL: I don't HAVE a Barclaycard.

Mrs: Well, how can I help you?

LL: Well, I have you guys, you keep ringing me up, so could you stop ringing this phone. I keep getting calls from you that are either silent, or someone asking about a Barclaycard account. I don't HAVE a Barclaycard. All I have is nuisance calls from you and it's beginning to $&@?!! me off.

Mrs: Very sorry about that sir, would you like me take this number off the system?

LL: Yes, please. That would be fine.

Mrs: Ok, I'll do that for you.

 

Completely straight faced she said she would. I couldn't believe it! Of course, she didn't, unless it takes a couple of days to take effect. I put the phone down on them at least twice more on the weekend.

What a mindless thing to do. Ring me, that is.

 

Let them catch me on a roll - I love a bit of improvisation, it's such fun.

Edited by LampLighter
Cagbot added stars. I'd rather do my own.

"Do just once what others say you cannot do, and you will never pay attention to their limitations again." - Arthur C. Clarke.

"Thy word is a lamp unto my feet, and a light unto my path." - Psalms 119:105

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I only filed on-line that I would be defending on the grounds that it's against the OFT debt collection guidelines to try to collect on an account in dispute and they dropped it.

 

I'm just glad that the £125 court fees disappeared from Fredrikson's coffers. Few more of them should eat into their profit margin LOL

 

That name rings a bell.......they are chasing my OH for a 9 year old debt for Arrow that was Orange .....It's been nil by mouth for over 7 years but they keep trying, bless 'em.

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