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    • Might be worth passing story to RIP off Britain?
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles.
    • 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    
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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 
        • 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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I'm confused....


Jase1982
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Hi all,

 

Little help required regarding Natwest taking my JSA benefits. Recently they charged my account £120 in 3 weeks. The first thing I did was go to the CAG forum and I came across the following template letter:

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/138290-letter-get-charges-back.html

 

I sent them this letter genuinely thinking I was covered. 3 days after I sent the above letter I discovered the sticky thread entitled,

'Social Security Administration Act and Tax Credits Act ' which, as I am sure is known and understood, states that by 'charges', bank charges are not what is meant and therefor not covered....

 

As I thought, I today received a standard letter from Natwest outlining where the OFT V Banks test case is currently at, how long it will take and that they are logging my complaint. It is obvious they had not read my letter because the Social Security act was not mentioned.

 

So.....Can I use the Social Security Act to reclaim my JSA or not? ....if not, which is pretty much where I'm at....How do I stand with regards to the test case? Should I still continue with a claim? wait until the test case is completed? If, in my case, a response should be issued, what response should I send them?

 

Thanks in advance.

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Hi jase

 

I don't think you can. I believe bank charges to be unlawful but under the Unfair Terms in Consuer Contracts Regulations 1999 not the Social Security Administration Act.

 

UNfortunately, the OFT test case is still going on which means that claims under teh UTCCR 1999 are on hold.

 

What you should do is to opoen a basic account at another bank and have your benefits paid in there so that NatWest can't get their greedy hands on them.

 

 

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cheers, I've opened a parachute account through the Halifax.

 

Surely the letter to get charges back whilst on benefit should be removed from this site then??

 

Should I continue with the LBA etc etc? or wait until the test cast is complete?

 

Natwest might have a change of heart and give my money back to me! :lol:

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cool. that's what I'm doing now. I'm modifying an LBA to express the extreme hardship I'm suffering and "requesting" that they deal with my claim outside of the current bank charges test case....we'll see what they say.

 

also, there is a sticky thread in the general debt forum...

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/36790-bank-taking-your-benefits.html

 

Slightly misleading until you read the very last post. For anyone like me who reads from the beginning, it would appear that it is completely illegal for any bank to take a sum of money directly from a state beneft....

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