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    • Documents arrived today dated 27th March.  This is a cc taken out a long time ago (2008) and they don't seem to have been able to provide a copy of a CCA agreement, just reams of print outs of lines of texts from old bank statements, default notices etc.   
    • Documents finally arrived today from PRA group.  New day have sent me lots of paperwork, copies of default letters and statements, print out of what looks like a CCA that would have been completed on online, IP address as signature.  This debt is not too old, so possible this is the true copy of agreement ?  Not sure what my defence would be beyond irresponsible lending. 
    • pers i wouldn't.. all you need to know is in the posts of that thread....that being section 127(3) of the CCA refers. if under a CCA return, the 'creditor' claims its a recon, it must not contain any details like a sig, tickbox, or typed name (whether you signed physically or by online tickbox) 1. those are not necessary in a recon, so why inc them? (faked??) 2, it cant thus be a recon!!, it must be a copy of the 'original' from the original creditor, not from a debt buyers filing cabinet. they shouldn't not be 'mixing' some original docs from the OC with crap from their filing cabinet, claiming its ALL a recon! because some of it is faked. just remember there are far more docs like NOA and a DN that are as equally important to a court claim of 'this debt is enforceable'. never rely solely upon the dodgy agreement argument.
    • India has thousands of small gold refineries which are facing more competition from big players.View the full article
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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.

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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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Bon Ridwell- boot on other foot, now!


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Credit Today online

 

 

My heart bleeds. Interesting situation he's got himself into, though.

 

:D ROFLFHO

 

Ron writes in the Crudit Online forum:

 

"Thought I would share this with you. As credit people you may find it interesting.

 

Considering the financial uncertainty over the last year I would have thought that controls in certain areas would be tighter. How wrong can one be........ The story is....

 

As you know my old firm went into administration in November and I was made redundant on 18/12/08. I had a company car, leased from a big leasing company that was just one year old with not too many miles on the clock and therefore a reasonably valued assett. (about 14k) I was told that I could drive it home but after midnight on that day the car would no longer be insured.

 

So the next day I checked up and found out that the car should not really be on the road as uninsured. If something happened the keeper of the vehicle (me) could be liable if anything happened. So I moved it to someone nearby on their private driveway under cover. Washed it Etc ready for collect. In February I was contacted by the company where they said they would collect it sometime in the future and would I make sure the car had fuel to get it more than just 2 yards down the road and that the battery was sufficiently charged to start the car. I told them I would and that is was parked off road and being looked after and that it would cost them £15 per week.

 

I heard nothing until earlier this month. They said they were coming to collect it the next day. I advised them that they could collect it if they paid me the £25 of fuel I had put in it at their request and for the £15 per week to keep the car safe, washed battery charged ready to go. They said no. If I wouldnt let them have the car they would take me to court.

 

I wrote to them and phoned them on three more occasions and now 5 weeks on I havnt heard from them again.

 

SO the car has been sitting for nearly 6 1/2 months it has devalued by around £2,500 in that time.

 

Is this crazy or what. Surely companies cannot be this neglectful considering the situation out there?"

Edited by noomill060
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I think this is quite common - a similar thing happened to my brother in law, made redundant and with a company car stuck on his drive for several weeks. In his case the lease company kept sending letters demanding that he brought the car to their depot (at his own expense), but eventually they turned up with a transporter.

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