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    • So do I gather that you are out of pocket to the tune of £2500 which is part of the purchase price and a further £1800 in respect of the warranty? The £2500 was used to buy the car. Did warranties200 per year or did they pay big motoring world directly?
    • Farage has agreed to be interviewed by Nick Robinson on Panorama. 7pm this Friday, BBC1. He didn't do very well last time he was questioned on specific policies.
    • I did what I told my husband not to do…and I telephoned them. All credit where it’s due, the lady on the phone was very helpful. I’m not gonna lie I broke down on the phone as this has been incredibly stressful. Perhaps that helped, but I would like to think they just realised they sold us a faulty car.    so we only bought one extended warranty and that was with Nissan. The car salesman gave us the hard sell and we fell for 100%! Part of the sell was if there was ever a problem then we would only ever take the car to a Nissan garage. There was a problem after a few days and we were instructed to go to a third party grange! We contacted Nissan on the phone and they said they would put on a complaint for us so maybe that helped too.    we just want to try and get all of our spend back now. The deposit, money for the finance and money for the extended warranty. I reload we will probably have to pay costs but I guess we can’t argue with that. We just need a new car!!!! Aaarrgghhhh!    thanks so much for your help once again. 
    • Right I see I didn't realise it had to be laid out like that. I have had another go, sorry I'm really struggling here! 1.The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. The claimant has thus far been unable to produce any evidence that the alleged debt has been legally assigned to them. Nor have they been able to provide evidence that notice of assignment was given to the defendant on the dates stated in the particulars of their claim. 3. The claimant has given no details as to the breakdown of their claim or what dates it relates to. As a result the defendant is unable to specifically defend the claim until the claimant can show how the amount has been reached. In the claimants particulars of claim, the claimant openly admits that they have a copy of the agreement and its terms and conditions but have failed to provide these to the defendant. Pursuant to the civil procedure rules Practice Direction 16 (7.3) Where a claim is based upon a  written agreement: (1) a copy of the contract or documents constituting the agreement should be attached to or served with the particulars of claim and the original(s)  should be available at  the hearing. With the court’s permission the Claimant is put to strict proof to:- a) show and disclose how the Defendant has entered into an agreement; b) show and disclose how the Claimant has reached the amount claimed ; c) show how the Claimant has the legal right, either under statute or equity to issue a claim; 4. As per Civil Procedure Rule 16.5 (4) it is expected that the Claimant prove the allegation that the money is owed. 5. It is therefore denied that the defendant is indebted to the claimant as alleged or at all.
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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.
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      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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Stikky taking on Virgin for late payment's refund.


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I'm about to got for a refund of all the late payment charges Telewest / Virgin have taken me for over the past 11 yrs i've been with them.

Will this do for the S.A.R request ? >>

 

Data Protection Act 1998 – Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx

 

Please supply me with a complete list of transactions and charges relating to my account history with your organization dating back to 1997. Alternatively, a complete set of statements for that period will be acceptable

 

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my business with you.If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

 

Yours faithfully

 

Stix

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  • 2 weeks later...

I don't quite understand how this works.

 

I am always late paying for about 2 or 3 years I think and get late charge everytime. Reason because my finances have been screwed for 3/4 years so I wait until I get my next salary and then pay. I have only just been refunded 3 months worth as I am not getting any bills and don't know when and how much to pay and have just been guessing. However the same thing has happened again this month. I have just emailed them politely.

 

However reading these posts is there a chance of getting 3 years worth of late payment charges back? That would be a nice little present :-)

 

Thanks.

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Little update,

 

I got my S.A.R request back a couple of days ago, but there's about 18 months worth of info missing, so i'm going to send this letter off on Monday >

 

 

Dear .......

 

Thank you for the information you sent me on 13th August 2008 in accordance with my Data Protection Act request (Subject Access Request) which was delivered to you on 8th August 2008.

 

However, the disclosure of personal data is incomplete in that the following documents are missing.

 

You have failed to provide a complete list of transactions and charges for the dates 07/06/2002 to 20/12/2003 inclusive.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

You have a further 30 days to comply.

 

In addition, I understand that under the Unfair Terms in the Consumer Contracts Regulations 1999, penalty charges must reflect administration costs and cannot be punitive. I now understand that the regime of fees which you have been applying to my account in relation to non direct debit admin fee, late payment charge, payment handling charge and so forth are unlawful at Common Law and contrary to consumer regulations. If you disagree with this, will you please substantiate these charges by letting me have a full breakdown of the costs to which you have been put by as a result of my breaches, in order to reassure me that your charges really do reflect your costs.

 

Yours faithfully.

..........

 

I'm just wondering if i should include that last paragraph or save it for the letter in which i make a claim for a refund? (or do both)

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Ok. I am reading this thread

 

http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/9306-telewest-10-00-late.html

 

quite a lot to get through.

 

I am guessing though that you can only claim back 6 years worth? Same as banks?

 

This issue is discussed towards the end of that thread you're reading. A good post in particular to read with regards to this is #287 on page 15 by Bookworm :)

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IMO you ought to speak to Buzby, has lots of info on Virgin Media & Sky, should b able to find several threads.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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I am not at liberty to provide a detailed breakdown of the costs involved' date=' but I am informed that the actual additional cost of processing non-Direct Debit payments is in fact higher than the fee that Virgin Media charges its customers.[/quote']

 

That always makes me laugh! Their payments office staff must be on over £300 per hour then, 'cos it doesn't take more than a minute to do!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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BTW I should point out that I simply do not accept that 'the actual additional cost of processing non-direct debit payments is in fact higher than the fee that Virgin Media charges its customers'.

 

Surely if this were the case they would only offer services to customers willing to pay by DD?

 

But my guess is the reason they don't do that is they want as many customers as they can get. Perhaps they are making a loss on on ALL non dd customers, but I simply cannot accept that.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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£5 per month is way over the top! Just greedy!

 

If you estimate people's average bill at £50 per month, it could not possibly be 10% for handling the money IMHO. If it costs more than £5 for handling money, how does amazon, one of the biggest Internet shops sell music CDs, DVDs and books sub £5 when they don't even accept payment by direct debit? VM have a screw loose somewhere!

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

Please also consider using the

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It's complete nonsense. I develop websites and have to integrate systems like Protix and Cardstream, or whatever. Most charge a fixed amount per month and a per transaction fee of 20p or whatever deal they have. And that is for small companies. It's an absolute con!

 

I havnt started claiming yet. I'll see how this thread goes. But I must have almost £300 worth of late payment charges to claim back and then two years worth of direct debit charges. Maybe a nice pressie waiting for me ;-)

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