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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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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.

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    • 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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Ulster Bank


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Hello,

I'm new to this sort of forum thing, and have been reading FAQs, and totally agree with what everyone is doing, I personally have not been effected by these but my daughter has and her charges have added up to as far as I know £600, she's young and you know what the young ones are like, never really care about money until they have none! that was until her and I sat down one evening and checked her statements and then we found out why she always had less that she thought she had, through the net she was able to get a templete letter and wrote to the bank mentioned above, for her statements, she had to pay a fee for these, she got them back counted her charges and wrote to have them returned, a letter arrived on 19th September 2007, telling her that the bank and others were involved in legal matters with the 'OFT' they have registered and stored her complaint, and obviously exactly what will happen next will depend on the courts 'Unquote' does the above bank come under the banner of NatWest and is this what we should be looking into? I hope this goes to the right place :???: Thanks

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Guest louis wu

Hi media, and welcome to CAG.

 

These forums do seem abit daunting at first, especially one as big as this, but don't let that put you off.

 

Most of us are here for very similar reasons, and a lot of us aren't (or weren't) used to internet forums. You will find that their is a lot of help and advice here, as well as people who will just offer a some moral support to keep you going.

 

As to the Ulster Bank, there isn't too much writen about them. There have been a few threads, and they are in the 'other institutions' forum (near the bottom of the main page, just under the other banks. This is the link

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/

 

Have a look in there and see what you can find. It's also going to be important to have a good read of the FAQ's

 

http://www.consumeractiongroup.co.uk/forum/faq.php

 

as this is where you'll find all the basics for any claim.

 

Once you've had a look around, maybe post in the other institutions and see what discussions lead from it.

 

best of luck

 

louis

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Thank you Louis for your reply, and thanks for the links, I will most certainly look at these to see if I can come up with some answers, my first post to be honest was like rolling the dice hoping it would get the right result, and to this I hope it has, thanks again :)

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I have just came off the pages of the consumer council for Northern Ireland The Consumer Council for Northern Ireland - Unfair Bank Charges : An independent consumer organisation, working to bring about change to benefit Northern Ireland's consumers. It seems at the moment anyone with the Ulster bank and others will have to wait until the test case is finish, might be worth a visit to see what is happening so far, they have a Two-Step Guide on How to Challenge Your Bank. now I know why its taken so long for the bank to answer queries

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