Jump to content
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


  • Tweets

  • Posts

    • dx100uk
      Judge & Priestly

      By dx100uk · Posted

      when did they (who) inform you there was a 'police case' and when was this attained? i will guess the debt is now SB'd as it's UAE 15yrs. have you informed the bsnk ever by email/letter of your correct and current address? you can always ignore anyone else accept the bank,  Block and bounce back all emails. Block any text messages  Ignore any letters unless it's: - a Statutory Demand - a Letter Of Claim - a Court Claimform via Northants bulk.  
    • Bhindi lover
      Judge & Priestly

      By Bhindi lover · Posted

      I left Dubai 8 years ago and intended to return. However a job prospect fell through. I’d been there for 15 years. I decided to pay my credit card and the bank had frozen my account. There is no means to pay the CC so completely unable to pay when I wanted to other than the bank advising me to ask a friend in the UAE to pay it on my behalf!  fast forward bank informs there is a police case against me for non payment. Years later IDR chased me and after months/ years they stopped. Now Judge & Priestley are trying their luck. Now I have received an email in English and Arabic from JP saying the bank has authorised them to collect debts. Is this the same as IDR although I didn’t receive anything like this from them. Just says they are authorised?
    • dx100uk
      PRA Group - PAPLOC now Claimform - Halifax Loan £20k+

      By dx100uk · Posted

      Please fill this out   Dx Pl
    • Milos
      Loose mortar from neighbours roof falling into our garden

      By Milos · Posted

      The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • jk2054
      Shock !!EVRI has lost my parcel PS5 - court claim issued

      By jk2054 · Posted

      No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours

  • Recommended Topics

  • Our picks

    • 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.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • 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 
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • 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
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • 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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

CCA - Help Required

squidward

By squidward
in General Debt Issues

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5200 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

squidward

squidward

Posted
  • Author
Posted (edited)

Update....

 

Well after a wait of over 6 weeks my Abbey card CCA arrived :eek:

 

Could someone have a look not to sure if it's enforceable - just my luck if it is.

It arrived with a copy of their current T&C's and a Letter stating it meets all the prescribe terms.

 

Thanks Squidward

 

First Covering Letter

AbbeyletterCCA.jpg

 

Agreement Front

AbbeycardFront11.jpg

 

Agreement Back

AbbeycardBack1-1.jpg

 

Call Center Form

AbbeyCallCentreForm.jpg

 

I can Post up T&C's if anyone wants to take a look!

Edited by squidward
Link to post
Share on other sites
Capricorn1601

Capricorn1601

Posted
Posted
Update....

 

Well after a wait of over 6 weeks my Abbey card CCA arrived :eek:

 

Could someone have a look not to sure if it's enforceable - just my luck if it is.

It arrived with a copy of their current T&C's and a Letter stating it meets all the prescribe terms.

 

Thanks Squidward

 

 

HI Squid

 

Does this look like the genuine article to you? Just wondering as Im getting nervous that they will find mine now and I cant afford to pay them the arrear of outstanding monies

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
  • 1 month later...
Capricorn1601

Capricorn1601

Posted
Posted

See PT's thread Consumer Credit Agreements - a guide to enforceability, entry number 8 should be of interest to you .

 

 

"this document is improperly exectued and not in compliance with S61(1)© CCA, the reasons?

 

Look at clause 1.5 (B)

 

where are the exceptions stated? clause 2,.4 . 3.5 and 3.6? they aint there so all the terms were not easily legible when the agreement was signed

 

 

also one has to question what are these terms? are they a term which says you do not have to pay on a day with a Y in it? could be. since its not stated then we just dont know

 

oh also, since its in relation to a prescribed term, they could be in trouble here too"

 

I think this applies to your agreement.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
Capricorn1601

Capricorn1601

Posted
Posted
Update....

 

It arrived with a copy of their current T&C's and a Letter stating it meets all the prescribe terms.

 

 

they would tend to tell you it meets the prescribed terms.... but we know better

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
  • 2 weeks later...
Capricorn1601

Capricorn1601

Posted
Posted (edited)

oh ooooh just noticed something else. Please run this by one of the site team or better still PT. He has a thread on this somewhere and said it was important.

 

It says on your balance transfer slip.... Credit limit £7500. But in your alledged Financial and related conditions it only gives interest rates for credit limits of £1000, £3000 and £5000. I am sure I have seen somewhere this is important as they have given you a credit limit but not told you what the interest rate is. I think this is a prescribed term and therefore misleading.

Edited by Capricorn1601
needed to add clarification

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
Capricorn1601

Capricorn1601

Posted
Posted

read this post first

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-1897679.html

 

My argument on the enforceability (although I am a beginner so get this checked out) would be the agreement has to be within 4 corners of the same piece of paper (both sides). If what they have sent you is correct and not a cut and paste job then, by reading the Financial and related conditions, they are not complete. There are references to conditions which are clearly contained in another document. PT points out that as they relate to Prescribed Terms ie how when amounts and how it is calculated etc, it becomes unclear what is expected of the debtor. A prescribed term must be clear, but what they have sent you is incomplete therefore you would not have known what you were agreeing to. (I hope this makes sense).

 

Then there is the second reason I have tried to outline in my earlier post. I dont know the exact details but remember a post I think was started by PT where he started out by saying that knowing your initial Credit limit is very important. It was related to the interest charges set out (in your case Cash advances). If they say its £7500 but dont have that written into your agreement then again how are you supposed to know how much interest you are to pay them back. Hopefully someone may be able to give you more detail on this.

 

Basically what I am saying is looking at your CCA, I think, and again I must stress I am not an expert, but only can give you my opinion on what I have picked up on this site as I need every argument to fight the b****rds for my CCA, that I think the agreement is flawed. There are missing elements in the Prescribed terms and they are incomplete.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
  • 4 weeks later...
squidward

squidward

Posted
  • Author
Posted

Hi Cap

 

No updates at present! although had a phone call from the customer care dept offering me a 60% reduction of the balance :eek: which would be fantastic if I had the cash available to do it.

 

Phone calls seem to have stopped now

 

How about you

 

Squidward

Link to post
Share on other sites
Capricorn1601

Capricorn1601

Posted
Posted

Hi squid, Ive had a letter asking me to contact them with a 50% reduction, two postcards, alas not from distant shores telling me they have permenantly emigrated!!! Other that these, nothing. For me if they came down to say 90% reduction with an easy payment plan over 12 months, I might consider it. Did you read the article about the loan which was let off due the PPI versus MBNA which was highlighted yesterday. It appears the tide may be turning to our favour.

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
  • 1 month later...
  • 3 months later...
squidward

squidward

Posted
  • Author
Posted

Update

 

Well checked my credit report looks like MBNA have transfered my account

to Arrow Global limited funny thing here is I have no Notice of Assignment (NOA).

 

Whats next??

 

Squidy

Link to post
Share on other sites
Capricorn1601

Capricorn1601

Posted
Posted

hi squidy

 

thought you had disappeared its been so long since we've heard from you. I'm sure Arrow Global will be in touch before long asking for the money. In the meantime read around and be prepared for them. Usually start off with the bemused letter and take it from there.

 

 

Capricorn

There is no such thing as a 0% credit card....... someone out there is paying for it, and for once its not going to be me.:razz:

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...