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    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
    • DX, worth mentioning? I take it that you refer to after ,65 loan is written off clause. I thought that after the problems I had at deferment (/no proof of income satisfied them, and I could not afford an accountant) after they stopped pestering that they had decided that the age related clause  had kicked in. As I said, its time to hit back with SB letter.
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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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Request for CCA


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Hi everyone, I am very new to this so please forgive me if I have posted this in the wrong place.

I originally requested a copy of the CC Agreement from Halifax regarding my Husband's credit card because we entered into an agreement with the Halifax on a reduced repayment until May 2009 as my Husband lost his job in September last year. In the meantime the Halifax without my Husband knowing ended this agreement on the 19th March 2009. The first we knew about it was when we received a telephone call from Global International who said this debt was passed onto them by Blair, Oliver and Scott???? who they said got this debt from the Halifax.

My Husband complained to the Financial Ombudsman who sent a letter to the Halifax which in turn we asked the Halifax for a copy of the executed agreement. Here is an extract from the letter they sent

'Enclosed is a copy of the executed agreement.

As the agreement has ended there is no credit limit in place and no interest is being charged on the debt owing, the full amount is in arrears and due for payment.

Please note that the information we have provided you with is all the information we are required to provide you with Under Section 78 of the Consumer Credit Act. Please also note that we are not required to provide a copy of the original signed agreement under section 78 of the Consumer credit act.'

All they have sent is photocopies of the credit card agreement without any signatures.

Where do we go from here please.

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Hi Debtfreetoday,

 

welcome to CAG. I'm sure you'll get some great help here from our members

 

If they won't send a copy of your agreement have you considered this ? - why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement

 

And hopefully you'll get this result - smt37 vs Morgan Stanley/Goldfish/Barclaycard ** ORDER TO PRODUCE CCA CPR31.16 WIN ***

 

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Hi And Welcome

 

IF you can scan the agreement and post it up on here-some of the more experienced members will be along shortly and will give advice on whether it's unenforceable.

 

BR

 

Squidward

 

I am not sure but did the Halifax Send a letter to say the Debt has been transfered or a DN ( Default Notice) ?

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Thank you very much for your help.

The Halifax did not send a letter to say the debt had been transfered they sent default notices every month whilst we were on the agreed payment plan, but they finished the plan two months early by transferring the debt to Blair, Oliver and Scott (who by the way we didn't know anything about these people until Global International told us that Blair, Oliver and Scott had the debt in the first instance).

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Hi,

 

Blair, Oliver & Scott are HBOS 'in house' debt collectors.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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