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    • your claim is against whomever fitted that parts.  
    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a very  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat in grove of piston.
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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
      • 162 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
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BLS collections

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i have now had three letters of this company which is part of lloyds tsb,the latest one stating that i have agreed to a repayment programme due to my current circumstances,and that they are disappointed that i have not adhered to my commitment and that if i do not pay £0.00 today they will asked for the full amount to be paid immediately. I do admit i owe lloyds money but i have been told by the national debt council to pay them a £1.00 a month on each of my accounts,i have never agreed to a repayment plan with BSL as i have only spoke to them once on the phone and when i asked them security questions like they asked me they put the phone down,they are saying that on the 1st of April i agreed to pay them £31.00 a month which is a fabrication,i have been to lloyds today and paid the usual £1.00 in to each of my accounts.what do i do next or what can they do next?.thank you sancov

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there are three accounts loan,overdraft and creditcard,i am hearing nothing from the loan and overdraft i am paying £1.00 a month on those it is the credit card i am having the hassle with.sancov

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there are three accounts loan,overdraft and creditcard,i am hearing nothing from the loan and overdraft i am paying £1.00 a month on those it is the credit card i am having the hassle with.sancov


You need to CCA the loan and credit card unless they're threatening you with legal action in which case go straight for CPR. You need to SAR the bank account.

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Hi there, basically to CCA them means you put them to strict proof that they have the right to collect on this alleged agreement - many credit card and loans accounts do not have an enforceable agreement (meaning it cannot be enforced, even by a court. If this is so in your case you can stop paying anything to them if you so want until and if, they do find an enforceable agreement. Follow the suggestions on here - send letter N from the Templates, together with a £1 postal order - do not sign the letter, and stop speaking to them if the phone, and never phone them.

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A SAR is for the overdraft for which there will be no Agreement - this costs £10 sent the same as before but to the original creditor. This will bring you all the information they hold on you and will provide proof of any unlawful charges and fees. You can then start a claim for these to be paid back to you, and, if you are lucky, these could amount to a large part of the overdraft!

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SAR here:


Data Protection Act 1998

Subject Access Request


Dear Sir/Madam


ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)


Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-


1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.


I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.


Yours faithfully,



CCA letter in here:


The Consumer Forums - Debt collectors

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i have now got the letters printed off and postal orders ready to go,but today i recieved a letter from sechiari,clark & mitchell saying that if they don;t recieve the full amount within seven days they shall begin court proceedings,do i send the same letters of to them as i know they share the same building as lloyds in brighton?.thanks sancov

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  • 1 month later...

Hi All,i have now recieved replies to my letters and the results are good B.L.S. have now sent my letters back to lloydsand they are sending me a paying in book and **** have asked for an expenditure sheet for a month;s expenses and are willing to accept a £5.00 per month for the next six months but i shall carry on paying a£1.00,they said they want the first payment by the 1st of july but no paying in book yet,i have been to the local branch and enquired but no luck,will keep you informed.sancov

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it is now the 30th june still no paying in book looks like i will have to take the last letter down the bank on the same day as normal the 15th and pay a £1.00,if the book came tomorrow it still wouldn;t clear for three working days so s*d them.sandy

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