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    • Yes in hindsight that would have been the best course of action but due to Mercedes taking 4 weeks with misdiagnosis (which were initially classed as wear and tear - battery & fuses) and then correctly identify the problem we had no choice but to go ahead and agree to works being done.   
    • SERVICE BY EMAIL Rules 6.3(1)(d) and 6.20(1)(d) of the Civil Procedural Rules (“CPR”) allow service by email of claim forms and other documents; these Rules are supplemented by Practice Direction (“PD”) 6A. In accordance with PD 6A.4, in order for service by email to be valid, the recipient party must have previously indicated in writing to the party serving that they are willing to accept service by electronic means and provided a fax number, email address or other electronic identification to which it must be sent. The PD also requires the sender to ask if there are any restrictions on the size of documents that can be received by email.   .
    • NO EMAIL. Not only for the reasons outlined above. CPR Rules state that PAPLOC's can't be served by email unless you give them express consent to this (just giving them your email address is *not* express consent), meaning that they have to be served by post. Either way, a court claim can't arrive by email either. The courts will send that by post. They'll file it to your old address and you'll have no idea until a couple months later when all of a sudden a CCJ is on your credit file because they've obtained what we call a backdoor CCJ. In easier terms, stick to proper post for legal/contractual disputes.   In this case, ignore entirely. That is more useful for more "normal" private parking invoices.   
    • I read the Ignore thread that your reply linked to and it recommends that a letter be sent: You should write to the car park owner - the supermarket etc - not the parking company- with a brief letter denying that any money is owed at all. Also ask the car park owner if they have given authority to the car park operator to bring any legal action against you. You should also complain and asked them why they are prepared to sell their reputation by treating their customers as enemies – and wouldn't it be better that the £160 odd, which the private parking company is trying to take from you were spent in their shop/supermarket rather than going to a wholly non-productive company such as [X X X name the company X X X]? The car park owner will also realise that it is their reputation which is associated with their draconian action - not the parking company which is merely acting as a fall-boy. Should I do this or just ignore it entirely?
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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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if u look at what u have put regarding the deafult on ur credit file in post 21 then that answers ur question.

 

They could have removed the deafult and then defend the claim. They will have to prove when the deafult was removed and u may be able to claim they are trying to push ur expenses up as they removed AFTER the claim was filed with them and after they wrote o u and acknowledge the claim.

 

As noomill says WAIT till u recieve the defence.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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''Do you now have a perfect Credit Rating again? :grin:''

 

I assume so now yeah! The only data that is present is good data with '0s' everywhere.

 

Trust me it's going to stay that way as well!!

 

 

 

Excellent!!! Well done :D

 

I am so pleased with you .. I can't believe how easy you found, some of the companies really drag their heels and reply with bull5hit!

 

And you didn't have to threaten with legal action either! Stuffy! :lol:

 

 

If you need to remortgage to get a better rate.. or anything big like that, now is the time to do it.. in case they slip the default back on!

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Hi,

 

I asked for my CCA from Lowells, got an application form that didn't comply, wrote to them telling them that and asking for the true CCA.

 

They have never written back. I have the electronic proof of delivery.

 

Can I use the same letter for my situation.

 

Thanks

 

OldRectory

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Another quick update................

 

I contacted my local MP also with this and was advised that I should make Thames Credit aware that I want them to discuss my complaint with her directly.

 

I call them to ask them to make a note of this and am told that the account is closed and has been written off in full !!

 

What are they upto??

 

Still no defence filed yet, but they have plenty of time left to do this.

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Congatulations on your success so far hackers! Done brilliantly to get 8 defaults removed! Would you mind giving me a bit of advice on my situation? I desperate to get a default removed from my File. Its with Lowell. I had an overdraft with barclays and my account was closed down and the overdraft debt passed to lowell while i was out of the country travelling. I have made a couple of payments to lowell for this debt. I don't mind paying it off in full but i want the default removed. I'm not really sure what a CCA is, if i ask lowell to provide this what would they need to send me? Whats an unenforceable agreement? Any advice would be greatly apreciated.

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Hi peter,

Firstly, it would be better to start your own thread. you will get missed otherwise.

 

Now the bad news. Overdrafts are not normally covered by a CCA. CCA's cover loans and credit cards

 

Because you have paid lowells you may have restarted the clock on ststute barred.

 

The only advice I can give is to SAR barclays and reclaim the panalty charges to reduce the debt. You never know, the charges may be more than the overdraft.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Guys

 

My final update!

 

Unfortunately I cannot say anything further other than the issue is resolved to complete satisfaction!!!

 

Sorry I can't be any more specific but I am sure you will all understand why!!

 

FINALLY I WANT TO SAY A MASSIVE, MASSIVE, MASSIVE THANK YOU TO ALL ON HERE WHO HAVE PROVIDED THE HELP AND ASSISTANCE OVER THE PASY YEAR!

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Totally understand (BOO :D) well done for getting this far

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Guys

 

My final update!

 

Unfortunately I cannot say anything further other than the issue is resolved to complete satisfaction!!!

 

Sorry I can't be any more specific but I am sure you will all understand why!!

 

FINALLY I WANT TO SAY A MASSIVE, MASSIVE, MASSIVE THANK YOU TO ALL ON HERE WHO HAVE PROVIDED THE HELP AND ASSISTANCE OVER THE PASY YEAR!

 

 

This is just unreal!!

 

How have you managed all this so easily without threatening Court!?

 

I've got two court cases to do now and probably a third and they just aren't playing ball!!!

 

 

 

Lucky sod :D

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QUICK UPDATE!

 

County Court Claim was served and I received a letter their Solicitor advising that they had filed an 'Acknowledgement Of Service' and that they intend to defend the entire claim.

 

I am a bit confused now though as I have checked my credit report this morning and the account has completely disappeared!!

 

I will keep you posted........

 

Kapital did this with me , removed the account from the CRA's and then a few weeks later sneaked it back on again.

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Hackers 2009.

 

I know u have said the=at u wont update but i just want to know u did ask thames when the file was closed and record the convo didnot u

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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