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    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
    • Thousands of Chinese companies are making synthetic opioids and shipping them around the world.View the full article
    • Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • Just out of curiosity aesmith - are you a lawyer?
    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver I could initiate a claim. Or much quicker  - the other entity - with a charge already - could use that to make an application for an order for sale.
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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
        • Like

Sad but true LBL


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hi just to keep all up to date cccs appointment was yesterday but they rang and had to cancel unforeseen circumstances so they rearranged for tomorrow spoken to lbl advised i was in contact with cccs and they agreed to accept 40 per week for 8 weeks im hoping i can sort something more reasonable out after speaking to cccs they informed me 40 per week was going on in charges !!!!! so i pay 40 and they put 40 back on to settle goes upbout 100 per month im so frustrated :(

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  • 2 weeks later...

cccs have advised i have to continue payments to lbl or lose my car as it is hire purchase agreement ???? They e mailed template to send to my creditors and advised i look into if i am getting correct benefits i didnt find them so helpful

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  • 2 weeks later...

Hey xx (((((((((((hug))))))))))))

 

If you hand back the car then they will auction it and charge you for the difference between the piddly amount they will say they got for it, and the outstanding debt amount as it stands.

 

I'll ask someone to come help you a bit more dealing with these 'people'.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi browneyedgirl

 

It is relentless and hard to deal with but dont give up. I'm in the middle of it now, lost my job, logbook wouldn't help and didnt want to know.

 

Cut a long story short, trading standards and an independant solicitor have both told me that the agreement is unenforcable. So with that in mind, having spoken to everyone i can think of, local county court, royal court of london, putney trading standards, my trading standards, OFT, News Of The World paper, the Sunday Mirror and the Communities Legal Advice (0845 345 4 345 very helpfull), i have hidden the vehicle, and am in the process of dealing with a solicitors firm called Stephensons. They believe they can sort it out.

 

 

Give them a call

 

I lost my job and my house, I'll be f****d if i'm gonna lose my car to these sharks!!!!

 

G

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just been looknig at my bos it is witnessed by rep is this ok

 

No it isn't ok. The witness should be independent and not a beneficiary of the contract. Could be worth contacting your local trading standards department to see if they can offer any help.

 

This link may give you some ideas.

 

http://www.consumeractiongroup.co.uk/forum/log-book-loans-bills/186651-log-book-loans-again.html#post2062553

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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[Link removed]

 

Decent people.

Edited by steven4064
I agree but commercial links not allowed

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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contacted stephensons they are going to look into this mess advised i move vehicle and inform lbl when they contact that they are now involved . why does this whole situation over take my life all i seem to do is worry bout this whole situation they said i can get legal aid so thats good news im obsessed with this i only hope i can help some one else when its all sorted !!!!!

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stay strong -- I know from experience how awful LBL are.

 

xx

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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