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Dwf have contacted me by telephone I haven’t confirmed anything -
Now received a pack from Barclays Marked " Personal Data Request" and "Start of Right of Access Response" It was sent by their General data protection Team and includes details for a loan account and a credit card. The loan details includes a copy of a signed Credit Agreement regulated by the Consumer Credit Act 1974, signed by me and dated 2/9/2004. It refers to Terms and conditions overleaf, but copies of these were not included in the package just received. The Original Loan expiry date was September 2009. Barclaycard: Their records indicate Last Billed 15/03/2024 (not rcvd. by me) Last date account in order and not delinquent 15/03/2024. Date account closed 31/12/9999 (!), They show "Account not in Collections" and last payment posted 16/04/2007(!) also Last Payment Recorded as 02/10/2023. In their memo Details section: Section 78 Outcome "unenforceable" recorded on 12/10/2023. As stated in this thread, I had been paying off both the loan and card. I had stopped paying the card but am still paying the loan's nominal monthly payments. -
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Massive apologies. That makes absolute sense, and I should have considered that first. I am sorry. I had wanted to provide a copy of the case file which I had sent to myjar. I am really sorry. I understand your point, the issue I have is that because I suffer from bipolar I took out a load of payday loans, I tried going through resolver and asked that they consider writing off the loan this was in 2020. I had previously changed my name, and Myjar responded to me in my new name. The change was both my first name and second name. The document I sent listed the information there. Despite this, every communication I have received from them has been in my former names. I requested they read the first page of the document, which literally listed my details and answers to their questions. They refused to do so, so I told them to go ahead and bring me to court. Interestingly they have now contacted me about another loan with a separate company which is unrelated to this but uses the information that I supplied in the case file. Given that they would not act upon the information supplied in the case file, would this stand in a court of law (in which case the debt is not statute barred)? If this information, which they would not act on, is not relevant, then it would be. They also called me for the first time yesterday under my newer number and old name. They asked if I knew anyone who called (my former name). I said no and put the phone down. I had previously gone to (The financial ombudsman) but been told that due to Myjar failing they could not help. I'm not sure where I stand, I'm sorry for rambling and for not thinking in the first place.
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If you are buying a used car – you need to read this survival guide.
BankFodder posted a topic in Vehicle retailers and manufacturers,
If you are buying a used car – you need to read this survival guide.-
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Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
ATJ posted a topic in Vehicle retailers and manufacturers,
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-
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A2Dominion - Housing Association property flooding - damning ombudsman report
WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,
Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299-
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Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
BankFodder posted a post in a topic,
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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Just had an online chat with Meritforce/Mackenzie Hall - pics added
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