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You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

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    • Arguing with the insurer about whether the 22% additional premium they would have wanted at renewal if they had known about the two SP30s is justified is likely to be a waste of time. The insurer doesn't have to prove it to you. In practice it'll be what came out of their computer when they re-ran the calculation of renewal premium with the two SP30s added. If the two SP30s were in the same year then a 22% increase in premium is the sort of increase you'd expect. It doesn't seem outrageous or unreasonable.    It would be surprising if the information you were sent before auto-renewal took place didn't mention the need to notify any changes in your circumstances to insurers. Courts are not very sympathetic to drivers who claim they didn't know they had to declare motoring convictions. Judges tend to take the view that every driver knows the significance of motoring convictions to their insurance premium.   The value of the vehicle only plays a small part in the deciding the premium. 
    • No it says the search was carried out on the 9th July.  Says it was a hard search that can impact your credit score and can be seen by other lenders.    
    • Package holiday firms should promptly issue refunds to customers whose holidays have been cancelled, even in spite of the “extraordinary pressures” they are facing during the coronavirus pandemic, the Competition and Markets Authority (CMA) warned on Friday.   The regulator noted that consumers have a statutory right to a full cash refund within 14 days of the termination of their package holiday, even if the reasons for the cancellation are “unavoidable and extraordinary.”   “We expect businesses to comply with these requirements where package holiday contracts are terminated due to the COVID-19 pandemic,” said Cecilia Parker Aranha of the CMA in an open letter to package travel sector.   “We are aware that many consumers have been promised full cash refunds, but these have yet to be paid,” she said.   https://uk.yahoo.com/finance/news/coronavirus-competition-and-markets-authority-package-holiday-refunds-100214568.html
    • that is not acknowledgement.   so what if moorcroft did a search. no-one bar you and they can see it anyway i bet the search was from before the time you updated the address too.   simply a trace to find your correct address to try and mug you blind   send the sb letter as advised.   dx    
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
Crolthtroll

link/kearns claimform - Old Morgan stanley Card - chasing again - now stay lifted - i'd moved!!

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Thank you so much Andyorch.

 

Bundle all ready to send to Court tomorrow.

Could you explain the paragraph you added re Statement of account, is it because it's not on headed paper?

 

So the default notice is invalid, could the Judge choose to accept it or is that point of law?

 

Thanks again ellis01

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Yes ... most courts insist on original documents...for obvious reasons.

 

Well Mercers are not the creditor or owner....as per section 87 (1)  so BC have never issued a default notice.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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I checked my credit file and the date of the default entry was 11th July 2016.  

 

Postie has been no WS from Kearns. I dont want to send mine till very last minute so they dont get to see it before sending theirs. I will post the one to Court today as have not been able to do a paginated pdf using my phone.

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Absolutely.....serve theirs as late as possible.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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I've got a CAG troll👀!

 

WS received and they are using screen shots of my posts on here in their bundle and mentioning my registration to this site in the statement it's self. Unlike other users I haven't had any emails threatening to use this site as evidence of not willing to engage with them and an admittance of debt. One of the many good reasons why not to disclose your email address.

 

Hello Mr Troll you getting some good pointers following my every move💅🥱 I myself find it a bit🤮 hope it doesn't turn round and bite you were it hurts most! 

 

 

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please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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In all seriousness, I think it should be reported to the FCA (and hopefully discouraged by them) as the long term effect is that people maybe fearfull of seeking the help and support they need when dealing with these complex and stressful issues. 

 

It's one thing reading posts in an attempt to gaining ground in the claims they bring, it's a whole different ball game when using posts in email threats, and as evidence when trying to plant the seed of doubt of the defendants credibility. 

 

 

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I wouldn't concern yourself....what if you were seeking professional advice form a Consumer Law Solicitor and posted the relevant information gleaned on your topic...would that be acceptable to them..because you had paid for it ? 

 

We have had it before and Judges have shown no interest....it irrelevant to the claimants claim..its inadmissible as evidence..CAG is not party to the claim..the advice and opinions we offer are for you to consider...we do have the advantage of group power and advising you what they have done before on previous claims and what pitfalls to watch out for....whether you accept our advice and use it is your prerogative. 


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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