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    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
    • extension? you mean enforcement. after 6yrs its very rare for a judge to allow enforcement. it wont have been sold on, just passed around the various differing trading names the claimant uses.    
    • You believe you have cast iron evidence. However, all they’d have to do to oppose a request for summary judgment is to say “we will be putting forward our own evidence and the evidence from both parties needs to be heard and assessed by a judge” : the bar for summary judgment is set quite high! You believe they don't have evidence but that on its own doesn't mean they wouldn't try! so, its a high risk strategy that leaves you on the hook for their costs if it doesn't work. Let the usual process play out.
    • Ok, I don't necessarily want to re-open my old thread but I've seen a number of such threads with regards to CCJ's and want to ask a fairly general consensus on the subject. My original CCJ is 7 years old now and has had 2/3 owners for the debt over the years since with varying level of contact.  Up to last summer they had attempted a charging order on a shared mortgage I'm named on which I defended that action and tried to negotiate with them to the point they withdrew the charging order application pending negotiations which we never came to an agreement over.  However, after a number of communication I heard nothing back since last Autumn barring an annual generic statement early this year despite multiple messages to them since at the time.  at a loss as to why the sudden loss of response from them. Then something came through from this site at random yesterday whilst out that I can't find now with regards to CCJ's to read over again.  Now here is the thing, I get how CCJ's don't expire as such, but I've been reading through threads and Google since this morning and a little confused.  CCJ's don't expire but can be effectively statute barred after 6 years (when in my case was just before I last heard of the creditor) if they are neither enforced in that time or they apply to the court within the 6 years of issue to extend the CCJ and that after 6 years they can't really without great difficulty or explanation apply for a CCJ extension after of the original CCJ?.  Is this actually correct as I've read various sources on Google and threads that suggest there is something to this?.
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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
      • 161 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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Girltuesday v MBNA **WON**


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Well, mainly because I want my money back but partly as revenge for MBNA setting Global Vantedge on me, I have sent off the SAR request.

 

I'm feeling a lot more nervous about it than I expected, probably because I know how nasty they like to get (e.g. Global Vantedge). But it seems from some of the threads here that they've actually not been too vile...

 

So, here we go!:|

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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Follow the recommendations and don't be talked into accepting less than the full amount. Be polite but firm and you will be fine. I'd recommend phoning them at some point before pressing to Moneyclaim as it has been successful for quite a few people to do this as well as write letters.

 

Good luck.

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Follow the recommendations and don't be talked into accepting less than the full amount. Be polite but firm and you will be fine. I'd recommend phoning them at some point before pressing to Moneyclaim as it has been successful for quite a few people to do this as well as write letters.

 

Good luck.

 

I also found that MBNA suddenly became very nice to myself once they got my SAR

 

If you read many of the threads on here they,ll fill you with confidance.

 

Good luck

Halifax cc Won settled in full after moneyclaim.

 

 

MBNA WON SETTLED IN FULL....

 

 

IKEA Data Protection Act sent 12/7/06 prelim sent 11/08/2006 gone to moneyclaim Ikea said they,d pay up but have yet to see the money

 

 

Halifax current Won!!!!!!!!!!!!

 

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  • 2 weeks later...

Well, I've had a letter from them which seems pretty standard: we're looking into your complaint, blah blah blah, will respond by 31st August.

 

I also mentioned in my letter with the SAR that I don't recall ever requesting PPI when I opened the card, but they've been charging me for it every month anyway.

 

I read somewhere (can't remember if it was on here!) that if they can't prove I requested it (copy of application etc) then they have to refund it...

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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That's what I asked for in the letter. I applied online though, I think, so I don't know if they would have a 'copy' of that...?

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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Share on other sites

I did the internet application, then they telephoned me to confirm and to let me know the credit limit. I think they then sent out the card. I honestly don't remember physically signing anything.

 

Still, hopefully I'll find out when I get their response! The thing is, I know I wouldn't have chosen to opt in for PPI, but I suppose it's possible that I didn't see a box or similar to tick to opt OUT, if you see what I mean!

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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Share on other sites

  • 3 weeks later...

Have had another letter, this time saying that my complaint is taking 'longer than anticipated' and that they will provide a response in ten days. This one is signed by G Theobald.

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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Share on other sites

I rang MBNA today to chase up my SAR due Monday. The Customer service manager told me what they have charged me in late payment fees over the last 6 years and then made me an offer to settle. I said I'd accept the offer as partial payment and then he agreed to refund all the charges. I said I'd like to check the amount for myself but if they were correct I'd accept. I have to ring him on Monday after Ive seen my data. His name is Paul Miney on 01244 - 672628

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Paul Miney on 01244 - 672628 - refunded all my charges as well as the Compound interest. This took my £1170 up to £2200 He was very pleasent and helpful to deal with

My advise if free and is worth exactly as much as you paid for it….

 

HSBC 28 Oct 2006 Personal accounts ~ Offered and accepted ~ £3514 :)

HSBC 15 Sep 2006 Business ~ Offered and accepted ~ £4980 :)

MBNA 7 Sep Offered and accepted £2290 - (my amount £1170 plus Compound Interest) using the "phone call method" :o

FREEWAY 28th Oct ~ offered and acepted £506 :)

TSB VISA MCOL £300 - court date 27th March 2007

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Oh my god!

 

Am off sick today, but am feeling much better now thanks to a letter from MBNA!

 

My original letter gave them an SAR request, but also complained about being charged payment protection insurance that I never requested, and about their little rottweiler Global Vantedge.

 

Have now had a three page response. I can't type it all out, but I'll summarise:

 

Dear Mrs Tuesday,

 

Sorry to hear that you're unhappy blah blah...

 

We don't agree with the OFT and think our charges are fair, and you agreed to them, and blah blah blah...

 

However we are now reducing our charges to £12, and we expect you to conform to the terms of your agreement in future blah blah...

 

I enclose a list of charges you have incurred [adds up to £200] and as a gesture of goodwill we are crediting your account with £200 in full and final settlement...

 

We agree that you did not originally request payment protection insurance but somehow it got added to your account, so we are refunding all PPI premiums you have paid and crediting your accout with an additional £50 as a gesture of regret for any inconvenience caused...

 

Global Vantedge should be as polite and lovely as we are, sorry that they weren't, we've given them feedback about this and we're very very sorry that they were mean to you [i'm really paraphrasing here, obviously!]...

 

Once again, we're very very sorry for everything and hope you are satisfied now.

 

Yours sincerely,

 

Susan Pemberton

Assistant Vice Prsident

 

 

YES!!!!!!!!!!!!!

NatWest current account

!!Won: £1841 charges!!

MBNA credit card (Virgin)

!!Won: £200 charges + £50 goodwill gesture!!

Co-Op Bank credit card

!!Won: £225 charges!!

Halifax credit card

!!Won: £220 charges!!

Natwest credit card

Offer received and accepted, waiting for cheque!

Lloyds TSB current account

On hold due to upcoming test case

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