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    • “Not realising it was a no parking zone” doesn’t help you if the timing is correct, as (at least, on Google Maps / View) there is clear signage ('7am to midnight', parked at 15:22) What might be worth pursuing is the "ticket handed to driver" aspect : do you have any view on why they would be  stating that?
    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
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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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Moorcroft have just been Fuzzybobbled


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:D

 

Well after a 6 month battle with Moorcroft and Argos, resulted in both of them failing to produce anything resembling a CCA or even a bad scan of an application form.

 

A formal complaint to both Argos and Moorcroft for numerous threat-o-grams demanding money from me and failing provide a CCA when asked for one.

 

The result......

 

 

 

 

moorcroftwon.jpg

 

 

That's one kick in the nads for Moorcroft, and they still have two more accounts that I'm in the process of giving them a good kicking for.

 

Bring it on :D

  • Haha 2

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Thanks babybear, mine was through Morgan Stanley ish, which carries on but moorcroft dropped the ball.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/149476-sharkie-morganbarclayfishgoldstan-leycard.html

 

 

Fuzzy

This does mean they have just punted it back to argos, is it likely they will just try another.

Sharkie

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Thanks babybear, mine was through Morgan Stanley ish, which carries on but moorcroft dropped the ball.

 

http://www.consumeractiongroup.co.uk/forum/other-institutions/149476-sharkie-morganbarclayfishgoldstan-leycard.html

 

 

Fuzzy

This does mean they have just punted it back to argos, is it likely they will just try another.

 

It's quite likely, but have been working on another case where the OC keeps farming out an unenforceable statute barred debt to numerous DCA's.

 

The trick then is to gather up the evidence that they have been farming out debts that are unenforceable, then hit the OC with complaints, and the OFT.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Congrats on moorcrap FB...

 

i have to make a drop at moorcroft house tomorrow :eek:

 

wonder if i should tell where my cca is? :p

 

Put some dog poo through their letterbox for me :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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:D

 

Well after a 6 month battle with Moorcroft and Argos, resulted in both of them failing to produce anything resembling a CCA or even a bad scan of an application form.

 

A formal complaint to both Argos and Moorcroft for numerous threat-o-grams demanding money from me and failing provide a CCA when asked for one.

 

The result......

 

 

 

 

moorcroftwon.jpg

 

 

That's one kick in the nads for Moorcroft, and they still have two more accounts that I'm in the process of giving them a good kicking for.

 

Bring it on :D

 

 

 

 

Hi,

 

 

Well done!!!

 

And, not that you'll need it, good luck with the other cases!!!

 

 

Jeff.

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The mysterious 'K Dyde' ... signed mine as well. ;)

 

She's one hot lady. I want her number. :D

 

Then I can call her 5 times a day until she's reduced to tears.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Guest forgottenone

Yes. Trying to decide, whilst it says 'Mrs K Dyde' ... whether it's the same person actually signing ... looks similar, but the pen strokes don't match ... although would depend upon certain factors, stress etc at the time of signing ... also type of pen ... but there is a remarkable difference ... but they do look like either a '2' or 'the mark of Zorro'. :D

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I think the sig depends on how many vunerable pensioners they've managed to screw a few quid out of. Set against how many "we have no cca and reluctantly had to send the account back to the OC."

 

The more drippy and careless the sig, then we know she's had more peeps from the CAG using their legal rights. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Guest forgottenone

Actually, looking again at mine ... if you turn it or mentally turn it different ways round ... looks a bit like a pictogram from an ancient language. Made up DCA language, of course. ;) Looks a bit like a swan.

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Actually, looking again at mine ... if you turn it or mentally turn it different ways round ... looks a bit like a pictogram from an ancient language. Made up DCA language, of course. ;) Looks a bit like a swan.

 

could it possibly be a dead duck by any chance?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Deffo a dead one.

 

Does anyone have some Paxo handy? I hate to see good food go to waste.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Hi Fuzzy,

 

I guess that`s a slight relief for you, for the time being.

 

I was originally being pestered from Morecrap over the Argos account, and I received exactly the same letter as you, word for word. I`m sure mine was also signed by the ever-so-hot Mr`s K Dyde.

 

That might not be her real name, it could be some dodgy cult message, that Mr`s K has died, everyone.

 

Anyway, enough of the gibberish, my account was then passed to Fredrikson who DID turn up with a CCA, all be it a dodgy one. Now as you you, it`s BJ :p who are sticking their neb in now. These knob jockeys don`t seem to be giving in as easily. Either that or they are simply dim.

 

Enjoy the piece while it lasts.

 

Regards

 

 

Neil.

 

 

P.S I see vincentfan reading this, how are you VF?

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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I'm ready and waiting for the next DCA Argos try next. But then I will hammer Argos for farming out a so called debt both Argos and Moorcroft have failed to provide a CCA for.

 

The battle may be won, but the war is far from over. :p

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Have they sent you anything at all on this one?

 

I received a dodgy scan of the front page of what looks like an application form, they did not include the rear side, or any T`s & C`s, just a scan/copy of a single side. You may have read it on my thread.

 

Also, do you have any statements from Argos? I received screen prints. Now, There are charges also applied, and also PPI. But, they are added together each month and labeled as `Other` on the statements. They are not labeled as `Charges` or `Payment Protection Insurance`, so what the hell are we supposed to do with that? Dodgy eh?

 

Regards

 

 

 

Neil.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Have they sent you anything at all on this one?

 

I received a dodgy scan of the front page of what looks like an application form, they did not include the rear side, or any T`s & C`s, just a scan/copy of a single side. You may have read it on my thread.

 

Also, do you have any statements from Argos? I received screen prints. Now, There are charges also applied, and also PPI. But, they are added together each month and labeled as `Other` on the statements. They are not labeled as `Charges` or `Payment Protection Insurance`, so what the hell are we supposed to do with that? Dodgy eh?

 

Regards

 

 

 

Neil.

 

I CCA'd both Moorcroft and Argos at the same time. Got nothing at all from either of them.

I know from someone who worked at Argos they faxed the applications to head office for approval. Then in store they shredded the originals 6 weeks later, so all Argos have is scanned faxes of application forms. They're totally unenforceable. And they know it, but still farm it out to DCA after DCA.

 

That's why I'm keeping a paper trail of OTF breaches to hang them with later on, when I have enough evidence.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I CCA'd both Moorcroft and Argos at the same time. Got nothing at all from either of them.

I know from someone who worked at Argos they faxed the applications to head office for approval. Then in store they shredded the originals 6 weeks later, so all Argos have is scanned faxes of application forms. They're totally unenforceable. And they know it, but still farm it out to DCA after DCA.

 

That's why I'm keeping a paper trail of OTF breaches to hang them with later on, when I have enough evidence.

 

 

 

Hellloooo again,

 

Really? That is VERY interesting, how old is your account? I think mine is around 5 years I think. Do you know if they do that with ALL applications? I think at some point they will have started keeping them enforecement purposes.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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Just a thought, have you checked out my CCA at all? When I first received it, I honestly thought it looked like a dodgy fax or microfiche copy. If it was an original copy, then they seriously need a new copier.

 

PT2537 seems to think it is totaly unenforceable, but the idiots they unleash onto us don`t seem to share that thought.

If I have helped or made you laugh in any way in your hour of need, then please click my scales <<<<<<<<<< ;)

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My Argos account is about 2.5 years old, application done in store by a cute girl in a skimpy top, so that's why I signed up. She get's comission, I got the card and didn't use it until my mate gave me a great tent, and as a result I "needed the rest of the camping equipment", so I used the card to the tune of £750 then got made redundant from work, and they threatened me. Luckily I discovered this site and my legal rights before they could do anything. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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  • 2 weeks later...
Just a thought, have you checked out my CCA at all? When I first received it, I honestly thought it looked like a dodgy fax or microfiche copy. If it was an original copy, then they seriously need a new copier.

 

PT2537 seems to think it is totaly unenforceable, but the idiots they unleash onto us don`t seem to share that thought.

 

I've seen a few poor copies of application forms from Argos on here. They do look like Microfiche to me. A dead giveaway with Microfiche copies is that all the dust specks under a magnifing glass look square and curves on the larger letters an curves on signatures looked a bit jagged.

 

Usually if they produce a poor quality scan of anything, then it's very likely they only have a digital copy of the document and not the original, which they would need in court. You could then contest the validity of the document as digital copies can easily be altered/tampered with.

 

Here's what the Law Society have to say about this.....

 

What is the evidential value of a photographically or electronically stored document where the original has been destroyed?

Until the law and practice of electronically storing documents is clarified, it is only possible to provide general guidelines. The Law Society advises that:

(a) A microfilm or digital image of any document, for example in a solicitor’s file, will be admissible evidence to the same extent as the document itself, provided that there is admissible evidence of the destruction of the document and identification of the copy.

(b) Written evidence of the destruction of the original and of identification of the copy will enable the microfilm or digital image to be cited as evidence in subsequent criminal proceedings (under the Police and Criminal Evidence Act 1984) and in civil proceedings (under the Civil Evidence Act 1995).

Edited by fuzzybobble

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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