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    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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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Mbna Cca ???


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Citizen B, the card was a virgin braned card and as you say it's not mentioned on the agrrement !!!!! does that mean anything ???

 

The card was applied for on line and all the paper work was sent through

 

Thanks for all your help and i will let you know how it all went

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Well guys today is the day:( I ahve got all the notes that i can together not many but i have some, also i have a bit on Hearsay evidence which i hope wthe court will see that it applies to there witness statement in part 10

 

so the hearing is at 11.00am . just off to get ready......

 

As soon as we get back i will post up what the outcome and what happend

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How did it go?

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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Hi guys , well the outcome of today is not what we expected i will post up the full events soon but in short , the hearing was ajourned on the grounds that MBNA/restons had submitted to much paper work for the judge to go through and digest in half hour so he said as we were LIPS he was bound by duty to look at all the documents properly and also asked us to submitt a full amended defence as he could not find our ED !!!!!!!:confused::confused:

also he wants to see a proper defence against the credit agreement other wise he will not go any further and award the judgment to the claimant

So he has given us 14 days to submitt our defence and then a month to set another date and has given the next hearing an hour and a half slot to battle it out.

What do you all make of that then cause im totally dumbfounded to say the least ????????????????????:confused::confused::confused::confused::confused::confused:

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Interesting outcome. At least you have survived to fight another day. I wonder what happened to your ED. Did you submit online or take to the court personally ?

 

It is good that the Judge was looking out for your interests as a LiP. What you now need to do is really think about what you need to say in a full defence and get it submitted on time.

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Well at least you have the experience of going today so you know what to expect and how to proceed at the next hearing knowing what they will be coming at you with.

 

Same as mine DJ did not have my WS statement or relevant documents, as you know mine just got on with it and gave me a trial there and then! Someone more knowledgeable will come along soon I'm sure.

 

I was amazed at how mentally exhausting it was!!

Halifax Card (OH) -2.9% reinstated - Sucess!

Santander/House of Fraser (1) PPI Refund plus 8% plus LOC

Santander/House of Fraser (2) PPI Refunded plus 8% plus LOC

Penalty Charge Notice - Representation accepted and PN cancelled - £120

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The ED was submitted on line so they have it somewhere but what the judge did say was that if an agrrement of any kind has been signed be it a actual credit agreement or an application form it stand as an executed agreement so i need a bloody good defence to stop the judgement going ahead !!!!!

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Not a bad result. You live to fight another day! It gives you another 14 days to put together a stronger defence against the credit agreement. So you will need to get everything together that you can to take the original agreement apart. Go over it with a fine toothcomb and pick it apart. Anything you are not sure of ask.

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Another sneaky thing the solicitor did was to hand me a skellington argument document 20 mins before we went in but the judge had a fit and would not look at it saying you should of made it avalible 24 hours ago !!

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My wife is thinking about looking for a no win no fee solicitor to take it to the next hearing :(

 

A good idea if you can find one to take the case on. It will save you all the hassles and worry of preparing the necessary documentation etc. and presenting your case in unfamiliar surroundings.

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As far as im concerned and looking at the alleged agreement all the prescibed terms are there and evrything that should be there is there unless my beadie eye has not seen something that should shouldnt be there ?????

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