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    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
    • DX, worth mentioning? I take it that you refer to after ,65 loan is written off clause. I thought that after the problems I had at deferment (/no proof of income satisfied them, and I could not afford an accountant) after they stopped pestering that they had decided that the age related clause  had kicked in. As I said, its time to hit back with SB letter.
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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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Independent Banking Advisory Service / IBAS


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I've seen a couple of threads regarding the above but no one seems to know much about them.

 

I'm considering getting them to negotiate with a bank over a business overdraft. This will cost £595 and I'm interested to know if anyone else has used their services before?

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  • 2 months later...

Again I am considering the above to help in negotiation with a Barclays business overdraft.

 

The business has now been liquidated but the overdraft was personally guaranteed by me and secured by a second charge on my property.

 

Has anyone here used IBAS? If not any other suggestions?

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The site is quite good really with some good links page. They appear to specialise in business bank charges ie service bank charges that are not correct and getting money back for people who have joined as a member although no membership fees appear to be stated on the site from a quick perusal. If it is specifically bank charges for breach of contract, they may well be unable to help you in the way you want them to.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Again I am considering the above to help in negotiation with a Barclays business overdraft.

 

The business has now been liquidated but the overdraft was personally guaranteed by me and secured by a second charge on my property.

 

Has anyone here used IBAS? If not any other suggestions?

 

Personal guarantees can be very difficult things to deal with - especially if you are a director of the company and even more so if you are the only director.

 

I helped this poster here:-

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/132425-business-account-chasing-me.html#post1393411

 

who was in a similar situation, but it was slightly different as he hadn't been a director of the company, he was the co. secretary.

 

As joncris said, I would be wary about paying a company upfront to do anything.

 

You might also want to look at this thread (it is Very long though):-

 

http://www.consumeractiongroup.co.uk/forum/business-claims-bank-charges/68191-claiming-business-account-lets-68.html?highlight=business+account#post1577774

 

There is also a whole forum for business claims:-

 

http://www.consumeractiongroup.co.uk/forum/business-claims-bank-charges/

 

 

Hope this helps a bit

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Thanks Nicklea.

 

It just seems odd that they have a high profile in the media yet I can't find anyone who has used their service and can let me know what they're like!

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  • 1 year later...

As you have stated you have a Personal Guarantee issue IBAS specifically state membership of £395 for this on their website at their Personal Guarantees page.

 

They are independent and specialize in banking matters - that's probably why there's a huge amount of newspaper comment across many years about them - and if that isn't a good indication of their ability and knowledge in these matters I don't know what would be?

 

Why then try and reinvent the wheel?

As Henry Ford is supposed to have said (or words to the effect of)

I am not an intelligent person and don't know the answers but I can employ someone who does.

 

The links posted previously do not evidence that anonymous 'help' provided here is without cost for those taking it on board at 'face value'.

 

Having read the Personal Guarantee 'advice' provided on this site - it appears that by attempting to 'reinvent the wheel' and by confusing personal overcharging issues and personal defences with business issues and possible defences it has lost time and added costs to those being chased by a bank. The loss of time may also have taken away any ability to then negotiate effectively. Defences which do not 'stand up' will be rejected by a court because what works for consumer issues is not correct when a bank is chasing for a payment of a personal guarantee and extra costs will be added. It seemed like the 'blind were leading the blind' and I wonder if those who provided their 'advice' realize just how much extra that advice will have cost the unfortunate person who accepted it?

 

For those who have a business banking issue I would hazard a guess that a phone call to any business journalist who provided any of the national press articles for the Mirror, Mail, Sunday Times, Sun, Express, etc would provide them with much more reliable information than is possible from posting here on a what is basically a 'consumer' site with obviously a large volume of consumer 'advisors'.

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