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    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
    • Speeding (Revised 2017) – Sentencing (sentencingcouncil.org.uk)  
    • upload sites dont retain copies and so what if they do... what do you think they are going to do, kidnap your grannies budgie or something..how the hell would any of the info required by us be of any use to them..... stop being paranoid and put them all in one mass multipage pdf.  
    • https://audicam.audi.co.uk/customer/6660055/00cc584e9769699ddba3807a2995032f/59022-13062024 Please let me know if you can access footage 
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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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Privacy issues with post


KFC
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MOD NOTE

 

The first 4 posts have been moved to this new thread as they were more in-depth than was necessary to answer the OPs original post. That thread may be found here.http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/160591-wrong-address-bank-time.html#post1719800 for anyone wants to put this thread into context and see posts leading to this discussion.

 

Yes, but this is a discussion forum, and even though the initial question has been answered, it has opened up other questions for debate.

 

I'm sure that the original post is happy in knowing that they need'nt worry because it was just an accident.

 

But what about, in other circumstances, where it might be of concequence to anyone else ?

 

Sorry, I don't mean to be rude.

 

But I thought this site, was for open discussion, so why try to end the discussion (even though it's going on a bit), when there are still issues that need addressing ?

(no pun intended !) :)

 

 

I think that a letter etc is private, and if it opened by anyone else not bearing their name, without permission or authority, then they must commit an offence.

 

 

It's contents are confidential and private, and probably, (even if not marked Private and confidential), if you knowingly open it, then that must be intent to do something wrong ?

 

What if it is marked - For the Addressee Only - ?

 

There must be some laws protecting this, Privacy, Fraud, Human Rights Act. etc - if a business involved, then, Data protection Act. may be ?

 

 

:!: But, proving intent would be difficult though, because they could claim, it was just opened by accident.

 

 

 

:wink:But what if it was signed for, and then opened by someone without permission of authority ?

 

 

How could they then, claim it was an accident, that must be intent surely.

 

 

I think some of this might be a grey area, but it needs to be cleared up, as MrShed said - 'it clearly a potential concequence'.

 

Any ideas anyone ?

Edited by caro
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As I have said above, unless there is a good reason to open somebody else's correspondence - of whatever sort, however it was delivered - it is a breach of Privacy laws.

 

Opening in error [2yr old opening it], Opening because it's the millionth item addressed to that person coming to your address and you want to put a stop to it once and for all, Opening because there are more than one Mr. R. Smith's and you want to check which it is or finally Opening because you are employed or authorized to do so - are all good and valid reasons.

 

Reasons that are not valid amount to nothing less than breach of privacy and are an offence.

 

[For Weird Al: This is nothing to do with Royal Mail but all correspondence in delivered in any format.]

 

However the OP has nothing to worry about because she has a good reason, though in future I would just bin the letters to this addressee and also report him for benefit fraud, making clear to the benefit fraud team that he doesn't live at your address, preferably in writing rather than by telephone in case they make a mistake and break down your door!

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:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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What privacy laws though legal? Not that I disagree but I am not aware of such a law that affects individuals.

7 years in retail customer service

 

Expertise in letting and rental law for 6 years

 

By trade - I'm an IT engineer working in the housing sector.

 

Please note that any posts made by myself are for information only and should not and must not be taken as correct or factual. If in doubt, consult with a solicitor or other person of equal legal standing.

 

Please click the star if I have helped!!

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Opened by accident or on purpose with intent etc, is difficult to prove, unless signed for.

 

Privacy is a Human Rights issue I think.

 

Still, it's not good for anyone to be opening your mail, I think everyone will agree, and should be protected by law, however difficult it is to prove.

 

 

Maybe, should start new thread on this.

Edited by KFC
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Yes, but this is a discussion forum, and even though the initial question has been answered, it has opened up other questions for debate.

 

 

I'm sure that the original post is happy in knowing that they need'nt worry because it was just an accident.

 

But what about, in other circumstances, where it might be of concequence to anyone else ?

 

I have no intention of curtailing discussion or debate which is why I have moved these posts to a new thread, with a link back to the original thread, which also carries a link to this one.:)

Edited by caro
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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No probs KFC.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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It may well be, but HR legislation refers to the relationship between an individual and the state; not between private individuals.

Privacy law is extremely complex, however has been ruled by Mr. Justice Eady in several cases that provides evidence that it exists between all entities, not only the state.

 

Bottom line is that it is a breach of privacy looking into somebody else's correspondence and even more so due to the complexity of that area of law, this should be avoided at any cost.

-------------------------------------------------------------------------------------

:!: All the information I impart is my advice based on my experience. It does not constitute professional advice. If in doubt, always consult with a professional. :!:

 

:-) If you feel my post has been helpful, please click my scales. :-)

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