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    • I am getting conflicting advice from friends about this issue. I am hoping somebody can end my confusion. A couple of weeks ago I took my Mum out for her birthday. Another driver scratched the front passenger side near the bumper of my car as it was parked up. There are no dents just quite severe paint work damage. He scraped his car against mine. The other driver drove off. Luckily there was 2 witnesses who got the other drivers reg number. Cut a log story short the other driver said he didn’t realise he damaged the paintwork on my car. He has however admitted liability. His insurance is paying out. Last Thursday my car was taken away to have the paintwork done. Today I been told my car has been put down as a total loss (not a write off).  As it is only paintwork damage and not body work or mechanical damage, I don't understand why it has been put down as a total loss. I have been told by the insurers I can either write the car off and receive payment to the value of the car or I can take a lower payment and get the car repaired myself.   I am getting conflicting advice from friends. Some are saying if I keep my car and get the repairs done myself the car will then be classed as a category S or category M and I will no longer be able get insurance on the car as it will be classed as written off. As it is only paintwork damage and not body work or mechanical damage, I don't understand that. My questions are  If I take the payment to get the paintwork repair done myself will I still be able to insure my car when the insurance is up for renewal? If I take the payment to get the paintwork repair done myself will my current insurance policy be voided? If my car does get classed as category M or S will the stop me from selling it on the future? Thanks
    • Yes, it is just for Tesco. But as that manager explained, those two spaces on that ground are now rented by the electric company. "What appeal?  Private parking companies never, ever, ever accept appeals - ever." What is my next move then, please? Just wait for them to issue me with whatever it is they issue, and then what? 
    • so how are you doing OP?  Letter of claim ready?
    • @fusionrox please create your own thread by clicking the button at the top of the website
    • He’s still At it from a bungalow on Haslingden Road. Changed name to Bamberbridge cars with a Preston based phone number (01772) but dodgy dealings at the bungalow are still a go.
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      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.  

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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Capital One's response to my CCA request - What next ?


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Hi, attached is Captial One's response to my CCA request.

 

Does anyone have a way to actually make any of these companies provide a signed agreement or admit that one does not exist ?

 

Should a Subject Access Request mean that all details they have need to be sent to me, including all agreements, application forms etc ?

 

Any help much appriciated.

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And this is an account of a cagger who has just begun the process,

a good account is given here.....http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/165349-smt37-morgan-stanley-goldfish.html

 

This link and the one above should give you all the info you need.

The SAR often does not include the agreement and as for SAR they are allowed to type out what was on the agreement, not actually send the agreement out in its correct form and content.

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Ok, but do make sure you have read at least all of Pt's posts at the beginning of the thread http://www.consumeractiongroup.co.uk/forum/legal-issues/173201-why-you-shouldnt-use.html so you make sure you act correctly, you don't want anything to back fire.

 

Also if you are going to do more than one I would spread them out a bit, if not you will have to dish out the £75 fee x how ever many requests, this may not be a prob for you of course, or you may be excempt from paying court fee's.

If you have to issue the N244 you don't want too many court appearences at once, well I wouldn't any way, LOL

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Thanks again.

 

I'm trying to take on about 15 creditors so yes I will need to spread any court appearances out.

 

At the moment though, I am just trying to get the CCA's back and establish if they are enforcble. Then I can work out my plan of attack.

 

I would only really be comfortable going to court once I clearly knew which section of which act have been breached, so I can see I've got a lot of reading to do.

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