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    • Hi, New to the forums (but can see I will become active). I recenttly changed fixed line/broadband suppliers. They are not that cheaper than my incumbents were. However, I foudn out their service levels for technical support are woefully inadequate. Basically business hours Monday to Friday and Saturday morning. I had an issue where I lost all aserve (phone and broadband) on Sat eve and they did not pic up the ticket untiul this morning 9am (Monday), and they say between 24 and 48 hours before will get in touch. So, between 2.5 and 3.5 days I will be without service - add a day if this happened on a bank holiday weekend. I purchased it online from a reputable comparison/switch site, and there was nothing to indicate such poort SLAs, nor easily found on the web site of the provider. In fact, their out of hours recorded telephone message states that one can get support 24 hours on their website, which turns out to be their FAQs. I will go through ther T&Cs foresincally, however, assuming they contain the service level agreement (buried in there at section 10, it looks like), do I have any rights. I would like to void the contract without having to pay it out because they do not meet the standards one would (or shoudl) expect of a Telco without making it obvious before purchasing. I know there is a 14 day cooling off period, but, especially with the reliance on broadband (and the fact I live in a rural area, so the alternative of mobile boradband is not practical), there would be an obligation for the supplier to be very clear of the SLA?   I know I can try an OFCOM ombudsman, but would like to understand my legal standing before I try.   Kind regards, JA  
    • Because it's 5pm. My case is tomorrow morning. I'd be lucky if they take it now....so I'll probably still have to change it.... Here is that page that was missing.  If there is any other way I can help please let me know. Super grateful for the help I received! Do you know if I must send my Witness statement to the other party as well or just to the court? THanks! FIRST PAGE OF WITNESS STATEMENT.pdf
    • The strangest thing just happened. When I emailed the Witness Statement to the lawyer whose name (and email) was on a Witness statement I got an immediate reply saying:  Please note that I have now left the business and no longer have access to my e-mails. Therefore, please forward all e-mails to.... this other lawyer (who I just noticed was the one who corresponded with a court via email about pushing my case on an urgent table. Do you know can someone else represent a witness statement written by someone else?
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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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Checkoutdolly V's Cap1 **WON**


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  • 3 weeks later...

Just recieved my statements from CAP 1 not sure what I can claim for I know I can claim for late payment fees but can I also put in for overlimit fee and the intrest they have charged me?

Plus has anyone got a link for a spreadsheet that works the ones on here either wont open or says server link error broken

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Hi Checky,

 

You could have a look at this link (from Steven's signature) - http://www.shweb.pwp.blueyonder.co.uk/interest%20tutorial.doc

 

Have a look at the SPREADSHEET link under the Credit Card section and see if that works.

 

I don't think changing the % figure as you suggest will give the result you need.

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Hi Checkoutdolly

 

If you get stuck with the spreadsheet, PM me an email address to send you an attachment. I have a good spreadsheet you could use. Are you going after Contractual Interest?

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WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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  • 2 weeks later...

sent off for my cca from Cap 1 recieved a letter today saying it will be with me within 5-7 days but they included a copy of my application form

I haven't and on it the PPI box is not ticked yet alway through the account I have been charged for this.

Have sent off my request for charges and intrest but ould like some idea of how and where i stand on getting the ppi back as well

 

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Send them another letter saying that you have been snt a copy of your application form and that you did not tick the ppi box but have been charged for ppi. Tell them how much you have been charged and tell tem that you wantthat back as well as the unlawfuk charges you have already reclaimed. Give them 14 days as for charges.

 

Once the 14 days are up, send a LBA for the combined claim. The fact that you have a (cast iron) case for the ppi, should help with the other charges.

 

 

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recieved a reply from cap 1 today to say they had recieved my letter and were looking into the defaults it could take four weeks or longer yeah right

so do i keep to my time scale and send LBA fourteen days after first one went

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Recieved a bog off letter from cap 1 they have refunded me £160 to my account and £10 for intrest charges incurred so need the link for the the rejection letter pretty please anyone

also said they will not refund the ppi as this was sold over phone on 2nd of december 2002 didnt open the account till 2003 even application form is for 2003

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If you have sent the LBA, you don't actually need to reply at all.

 

I would just send them a one-liner - thanks for the refund, I accewpt as part settlement only, you have x (x being the number of days until LBA runs out) days to fully meet my claim or I file in court without further correspoondence.

 

 

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