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    • If you get offended by it being pointed out to you that you don’t have a defence to such an obvious offence : probably best next tIme to highlight that you don’t really want opinion(s), but merely validation! That way, only “yes men” need answer, and  your fragile ego can remain intact : sorted! 
    • I'm surprised more isn't being said about this article. Not only did the Spectator tell Sunak off for sending out an imaginary £2k Labour tax increase figure with insufficient explanation, they've done their own figures. Using Tory assumptions - and discovered that using that, the Tories would increase taxes by £3k. On Sunak’s maths, Tories will lift taxes by £3,000 per household | The Spectator WWW.SPECTATOR.CO.UK There are serious issues at stake in this general election, and the Tories have just released nonsense figures with fake attribution.  
    • Also, have a look at this thread here it is a long thread but it is especially interesting because at some point the OP discovered a clause in his contract with Evri which made it clear that Packlink was just organising the carriage and that in fact Evri undertook the direct contractual responsibilities. Have a look at that thread and then I suggest that you go through the MyParcelDelivery contract to see whether it happens to say the same kind of thing
    • Thanks all, I say all! Bazza you do seem to take great blithe pleasure in offending someone you’ve never even met before. I can confirm i’m not an ‘OP’, which I presume is short-form for ‘Old Person’! Well I guess my positive spin on events will have to be consigned to landfill and I am just going to have to go with the general consensus  landslide of opinion and pay it then. Fiddlesticks. Another little piece of soul given to an organisation I find anathema to me - that’s what hurts the most [starts sobbing]. Oh well, could be worse I guess I could a Man City fan defending the indefensible! Thanks again.
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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.  

      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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Is my loan unenforceable?


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I took a loan out with Lloyds in January 2007, 20k. There is approximately 9k outstanding, I dont think I have a copy of the agreement.

 

What steps should I take? Do i simply contact one of these solicitor firms who will do the work for me?

 

All help much appreciated!

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Request a copy of the signed of the agreed terms and conditions and evidence of the outstanding balance. If you took out payment protection cover or some other similar product under a different guise as the likley hood is that the cover is worthless and\or a con under unfair terms.

 

I would await proof of the debt before making any further payment if I was in dispute as to how much actually remained on the cointract.

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Didnt take any protection, is their a standard letter i can send to them?

 

 

Why dont you take some time and read all the valuable information on this site?

 

all the answers to your questions are already here, you just need to take some time and read it.

 

not everyone's circumstances are the same, so I suggest you read some of the lloyds threads - and some others in the legal section.

 

The first thing you need to do (which you would know if you took a moment) is send a request for a copy of your agreement.

 

My understanding is that Lloyds often try and dodge the issue by sending just current T&Cs or nothing at all.

 

you should also research the banks right of "set off" long before you consider whether to stop paying them.

 

here are some threads with template letters.

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/45691-letter-templates-creditors.html

 

The Consumer Forums - Bank charges templates (consumer)

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

you need to modify the letters to suit your individual situation.

 

- It would be silly not to do your homework first.

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