Jump to content


  • Tweets

  • Posts

    • is the side street solely for access to your garages? who owns the land and thus the road? dx  
    • A local business has been parking on an off-street parking space in front of my garages (in a side street).  I wasn't using them for a while so didnt bother to do anything.  But now a second local business is also using the osp - taking it in turns with the 1st biz.  This has started to nark me.    The employees choose to drive to work.  There is no private parking in their business's street.  But there are some underground secure garages in their street - which cost apx £2.4k/y to rent - which works out apx £6.60/d. (I believe one of the biz owners already rent one for storage purposes).  If the employee had to park on a meter it would cost them £6.60/h - £66 for 10h and have to move every 4h.  They just don't want to pay for parking. I haven't confronted either of them.  Instead I just put 2 clear "no parking" signs in front of the garages. And a note on one of the cars specifically saying that as they don't live or rent in the street and it's private land could they stop parking.   They ignored that.  And just put notes on their dash with a # to call if one needs the car moved.  There is a sign and they've been told in writing to stop parking. And they are just ignoring it.    I don't what a confrontation.    I don't want to go to the expense of bollards (other than maybe traffic plastic ones - but they'll probs just move them).  Council won't do zilch cos it's private land. And police won't get involved - unless I clamp/ tow the cars and then they'd be after me, not the drivers!    What's the best thing to do?
    • yes might be the best idea. you'd only at best get 8% flat interest and that unusual on a GOGW if this was what it was. simply contact the FOS and let them know its resolved. dx  
    • If you’ve ever wondered how you might fare in armed combat, the first 20 minutes of Steven Spielberg’s Saving Private Ryan is likely to make you thank your lucky stars you were born too late to storm the Normandy beaches on June 6 1944. I suspect many of us might be driven to identify with those men who were absolutely turned to stone by fear. And yet these young men, mainly conscripts, screwed their courage to the sticking point and did the job the fate had chosen for them, heroes all.   .. UK PM Sunak perhaps thinks he understands mind numbing fear better than many as he dishonorably fled the beachhead to do nothing more than double down on dishonest spin and lies from the safety of a UK studio .. The Normandy heroes who not only held their positions, but advanced through hell to a victory that changed the entire course of history .. undoubtedly hold a different perspective.     from a perspective in TheConversation     .. 'That was the slot that sunaks team offered for the interview
    • Yes, send a message to the purchaser but keep it very friendly and simply that you noticed that the package has now been delivered.  I suggest that you ask them if they want to keep the package still or if they would rather return it and that if they want to keep it then please will they return your payment to you to your PayPal address. Keep it as polite and friendly as possible and then we will decide what to do if he doesn't reply or refuses.  Meanwhile I will have a look at Google earth and see if you are able to spot the gas meter outside the house to get an idea if the delivery is real. Get a screenshot
  • Recommended Topics

  • Our picks

    • 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
        • Like
  • Recommended Topics

Help Please re: CCA decision


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5572 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

We're fine (although stressed by all the DCA action of late!) thanks babybear, hope you don't get too stressed out by Uni! :)

 

CitizenB, thank you so much for that template - absolute class! I will get them typed (will send to B, O & S too) and posted by recorded delivery.

 

Should I send a copy of Moorcroft's threats to FOS?

 

Thanks again :)

Link to post
Share on other sites

  • Replies 230
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Yes, send FOS a copy :D

 

Absolutely, just to wind them up a bit more you could add a sentence into the letter to say that you are forwarding a copy of their letter and your reply to the Financial ombudsman.:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 2 weeks later...

Hi all, Mrs Z here.

 

Mr Z received the following from the Moorcroft Morons today.

 

After sending the letter (recorded delivery)to said morons (kindly posted by citizenB), also sending a copy of Moorcrofts last letter and a copy of Mr Z's reply to the FOS, they have the temerity to send this latest garbage. The FOS has sent an acknowledgement so I presume they are willing to add it to the complaint file!

 

http://i305.photobucket.com/albums/nn216/Misterzeus/Moorcroftscan2done.jpg

 

I love the last bit - Please note we have confirmed with a major public utility that you are in occupancy at the above adress. how scary - not!!:D

 

Well bully for them! Mr Z isn't trying to hide where he lives from the idiots!!!

 

Should I file and ignore?

 

Or send a copy to the FOS and still ignore Moorcroft?

 

Any opinions/advice gratefully received as always, thank you

 

Mrs Z :)

Link to post
Share on other sites

:D:D Beaten by baby bear again:D

 

Davey77 received one of these Mrs Z, I will just quickly check what his answer to them was for you. BRB.

 

Here you go, I am wondering if it would be a good idea to telephone the Information Commissioner's Office to see if this type of data sharing is permitted.

 

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-34.html#post1537249

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

This was his response..

 

http://www.consumeractiongroup.co.uk/forum/mbna/57846-debt-written-off-due-41.html#post1755436

 

 

Hey, yes i did respond to the 'utility company' statement re Moorcroft (Halifax and Cahoot) but had no reply whatsoever I'm afraid. I will be bringing the matter to the attention of the Information Commissioners Office to see what their view is regarding such statements (but being a government body they probably don't care mind you!).

 

Here is the sentence i used if Mrs Zeus would like to use it or even add more weight to it. I'm not legally certain whether it is a breach of the Data Protection Act.. but if it isn't, it sure should be. But i should think it a reasonable request at the very least to ask what utility company has been responsible for passing my personal details. I doubt I'll ever get an answer (as it's probably not true and just scare tactics.)

 

"If you require information as to confirmation of my identity and occupancy, as your previous letter has inferred, then you will be charged £10 per item which is preferable to committing a breach of the Data Protection Act in soliciting my personal details from a 'public utility company'. Should the later occur, or has already occurred, i will require the name of said company as i will wish to issue legal proceedings against them for breach of said Act."

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I have just telephoned the Information Commissioners Office. :-D

 

There would be no legal basis on which Moorcroft could request this information from any Utility company. Their advice is to write to Moorcroft and insist they provide you with the name of the Utility company they refer to. Then make a complaint to the ICO . :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Good morning, Mrs Z here

 

babybear, Mr Z and I are fine thank you, glad everything's well with you and Uni :)

 

citizenB, what can I say?? You're a star as usual! :)

 

Thank you so much for going to all that trouble for Mr Z and I regarding the Moorcroft morons!!

 

I shall certainly write to them on the basis of your telecom with the Information Commissioners Office, thank you so much once again! I will also do a complaint to the Information Commissioner's Office too!

 

Also a big thank you to Davey77 for his input, we very grateful indeed!

 

The CAG has truly restored my faith in human nature, I feel quite humbled, thank you all from the bottom of my (and Mr Z's) heart.

 

Mrs Z :)

Link to post
Share on other sites

Hi, Mrs Z back again!

 

This post is more of a moan really; it concerns Citi Cards/1st Credit. As mentioned earlier in the thread, I wrote to our local Trading standards, 1st Credit’s area Trading Standards and to the OFT.

 

The post has just arrived and Mr Z has received a reply from our local Trading Standards.

 

I despair, I really do! What is the point in writing to these people? I feel it’s been a complete waste of time.

 

All relevant copies of letters of communication between Mr Z and Citi/1st Credit were enclosed, which TS have kindly sent back to “re-use” in a complaint to the FOS.

 

Personally, I find the comments rather contradictory, especially point 5 – or is it just me??

 

Anyone’s opinion on this would be welcome, thank you.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/TSSCAN.jpg

 

 

A rather despondent Mrs Z :(

 

 

PS: I can almost hear knoxvillian say - I told you so :lol:

Link to post
Share on other sites

I have just telephoned the Information Commissioners Office. :-D

 

There would be no legal basis on which Moorcroft could request this information from any Utility company. Their advice is to write to Moorcroft and insist they provide you with the name of the Utility company they refer to. Then make a complaint to the Information Commissioners Office . :)

 

Unless, of course, it's Moorcroft United Utilities that has provided the information and they are part of the same group of companies that fall under the same Data Controller.

 

;)

 

Of course, that's a joke, as far as I know.

 

:p

 

Link to post
Share on other sites

Unless, of course, it's Moorcroft United Utilities that has provided the information and they are part of the same group of companies that fall under the same Data Controller.

 

;)

 

Of course, that's a joke, as far as I know.

 

:p

 

:lol: Nice one :p

 

Mrs Z, go for it. Make a complaint to the FOS using RMW's excellent thread to make your complaint crystal clear. It will at least put the account firmly into dispute.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/136654-complaining-financial-ombudsman-service.html#post1447619

 

I too have been unsuccessful with complaints made to Trading Standards and now bypass them and go directly to the FOS.

 

I was however very impressed with a recent courtcase where TS prosecuted another market stall holder for selling things in imperial measurement. Even though the European Commission has said it is no longer a crime. Apparently it is still on our statute books and TS felt they just had to make an example of a pensioner trying to make a living ???

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I was however very impressed with a recent courtcase where TS prosecuted another market stall holder for selling things in imperial measurement. Even though the European Commission has said it is no longer a crime. Apparently it is still on our statute books and TS felt they just had to make an example of a pensioner trying to make a living ???

 

 

That seems to be the only level at which some Trading Standards can operate!!

 

Thanks yet again citizenB for your help, will have to start again with a complaint to the FOS. I will make sure the covering letter explaining why Mr Z is complaining is crystal clear!! :D

 

Thanks again

 

Mrs Z :)

Link to post
Share on other sites

  • 1 month later...

Good afternoon all, Mrs Z here.

 

This is an update on the Citi fiasco, today Mr Z received a letter from Citi regarding his CCA request, together with 15 loose pages titled “ Credit Card Agreement regulated by the Consumer Credit Act 1974”.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/CITIDONE.jpg

 

 

Should we file and ignore and wait to see what happens next or send them a suitable reply?

 

Any advice gratefully received, thank you

 

Mrs Z :)

Link to post
Share on other sites

I believe they are incorrect in what they say. The only thing they are allowed to omit are the signature boxes. Unless you have been provided with a document that shows the prescribed terms then they havent fulfilled their obligation despite what they say.

 

You need someone with more knowledge of this though to be absolutely certain. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Thanks for your reply 111253 :-)

 

 

Thanks citizenB :-), regarding prescribed terms, it does state on the 2nd page of the loose leaf sheets – Purchase Rate, Balance Transfer and Cash Advance. The late fees stipulate a charge of £12 which means these are “current” terms and conditions.

 

I remember (I’ve a good memory sometimes!!) when it was in fact Peoples Bank and we were late in paying and they charged £20.

 

Does anyone think it would be a good idea to S.A.R Citi?

 

Thanks

 

Mrs Z :-)

Link to post
Share on other sites

Good afternoon all, Mrs Z here.

 

This is an update on the Citi fiasco, today Mr Z received a letter from Citi regarding his CCA request, together with 15 loose pages titled “ Credit Card Agreement regulated by the Consumer Credit Act 1974”.

 

http://i305.photobucket.com/albums/nn216/Misterzeus/CITIDONE.jpg

 

 

Should we file and ignore and wait to see what happens next or send them a suitable reply?

 

Any advice gratefully received, thank you

 

Mrs Z :)

 

In other words, they haven't got a copy of the agreement. If they did have, they would have sent it to you with a letter stating something along the lines of "We are delighted to enclose a true copy of your credit card agreement as requested. Now pay up."

 

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.

Link to post
Share on other sites

  • 3 weeks later...

Good afternoon all, Mrs Z here

 

This post is concerning Amex.

 

Quick recap:

 

Amex hasn’t come up with a valid CCA – yet. A complaint was sent to the FOS in July – still awaiting an adjudicator.

 

We saw off RMA, Credit Solutions Ltd, and the Moorcroft cretins and now this latest bunch of cowboys have crawled out from under a stone!

 

Mr Z has received the letter in link below today.

 

 

http://i305.photobucket.com/albums/nn216/Misterzeus/Vilcollections.jpg

 

I would like to ask if I may:

 

Should we reply and tell them this is subject to an FOS complaint and send a copy of their letter to the FOS or simply file and completely ignore them?

 

Any advice appreciated as always!

 

Both Mr Z and I would like to wish all Cagger’s a Merry Christmas and a Happy New Year.

 

Regards

 

Mrs Z :)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...