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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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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Beachy's OH v Egg Card


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  • 2 weeks later...

Subbing,

 

Just starting mine (again). I wrote to Egg June 08 and got a sharp response back stating "you applied on-line so bog off". That was pre-Cag. Have since fallen out with Egg. Got my SAR back before christmas and spent yesterday going through the statements and applying the calcs for interest kindly supplied by Pompeyfaith.

 

It appears that the PPI on the card plus interest is nearly £14k!!!

 

Think maybe I should start a thread in the PPI forum.

 

Interesting bits of the SAR are 1) No sign of an application 2) Executed agreement is in there with no mention of PPI??? 3) Got a copy back of my letter and their response from June 08 - handy as i'd lost it lol.

 

Did you get your statements Beachy?

 

Happy New Year,

 

M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Beachy,

 

Congratulations my friend it is heart warming that you sir have finally got a result under your belt.

 

Well Done

 

Enjoy 2010

 

Regards

 

PF

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

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Well done on this

Happy new year

LDG

IF YOU FEEL I HAVE HELPED YOU AT ALL PLEASE FEEL FREE TO TIP MY SCALES.

 

NATWEST PPI SUCCESS £490 25/08/09

 

NATWEST PPI 2nd CLAIM WON £1135 02/10/09

 

A & L PPI £395 WON

 

CREATION CLAIM PARTIAL REFUND £1825 01/04/10 NOW OFF TO FOS FOR THE REST

 

BARCLAYCARD STILL PENDING

 

LITTLEWOODS DCA . DEBT WIPED OUT AND CREDIT FILE UPDATED 23/09/09

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H A P P Y N E W Y E A R EVERBODY :)

 

Letter received this morning from the FOS upholding my complaint against EGG.

 

So much for 'you ticked the box on line for PPI - we're not refunding' :D

 

Lets wait for their 'refund offer'.

 

All the best for the new year.

 

Beachy ;)

 

Well done, that was exceptionally quick. I sent my complaint to the FOS in March and was only allocated to an adjudicator at the beginning of November. Have heard nothing further although I received FOS letters on my 2 Egg claims this morning stating that they were waiting to be allocated to an adjudicator. I did ring up and they said it was a mistake and my 2 complaints are still with the adjudicator.

 

I have one for on-line misselling. The second complaint is for a refund that was my applied to my loan inlcuding the payments made to date and I felt they should have been refunded to me.

 

Well done again.

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Thanks everyone,

 

Seeing they took a fairly tough line I was surprised they 'rolled over' so quick after I went to the FOS.

 

I couldn't have done all this (and other PPI successes) without help, support & encouragement from alanalana & pompeyfaith to whom I thank from the bottom of my heart.

 

Just have to sit back & await Eggs refund offer & hope for once I get a cheque as the card has been closed for about 4 years, so I can donate to CAG ( my worry is that they will offset the refund against a loan I have with them - which will be my next PPI attack as I was told I had to have it even though I'm self employed).

 

Happy New Year CAGGERS.

 

Beachy's last post for 2009 :D

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Well they've finally put something in writing, brought a smile to my face - looks like they are pleading for money :-

 

 

We are here to help you through this difficult period.

 

We have chosen to send you this letter as someone who may be struggling to manage your credit commitments through this very diffcult period.

 

It is likely that you may not have spoken to us for sometime, or indeed ever, concerning the above debt, because you think we may not be prepared to understand or empathise with your circumstances.

 

We want to reassure you that we are fully aware of the financial difficulties everyone is facing during this difficult time and have

 

embraced a policy of fair and realistic treatment for all our customers.

 

One of the impacts of the "crunch" will be an individuals ability to obtain credit, particulary mortgages, with lenders scrutinising applicants credit history and payment records much closer. In the future, credit is only likely to be available to individuals with good credit history or those that can display positive efforts to pay off their defaulted accounts.

 

This is why we believe the current economic conditions should be the reason you need to start tackling your debt problems. While it is clear that there are tough times ahead for all of us, history tells us things will improve but there will be long lasting effects.

 

Give us a call today, so that we can start working together, it will benefit you in the long term.

 

Text dlc reference to 0778 6202573 and we will call you

 

Payment may be made using a credit/debit card

 

Team: EGG

 

-----------------------------------------------------------------------

 

Sorry but this one really does make me laugh, as to the letter itself, do they own the 'disputed' account or just trying to collect on Eggs behalf - very misleading.

 

B

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Well after their phone calls and their letter, I sent off a cca request on behalf of the OH.

 

Just received this back in response:-

 

"Thank you for your letter dated **/**/** regarding the above account. I can confirm and advise the following:-

 

Hillesden Securities T?A direct legal & collections are an agency collecting on behalf of our client, EGG

 

Our client has specified that all requests for information under the Consumer Credit Act 1974 are required to be made directly to them.

 

Please send your request, enclosing the statutory £1 fee to the address below

 

Data Request Team

Derby

 

Please ensure the cheque/postal order is made payable to Egg with your Egg account number written on the reverse.

 

Upon receipt of your £1 payment, Egg will endeavour to send you the documentation within 12 working days.

 

Please find enclosed your £1 postal order received for your request".

 

 

Having already made a cca request - Egg have been in default of this request since last May

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Now DLC are in default. The CCA is quite clear and I suggest you point out their obligations under S175 and 189 of the Consumer Credit Act 1974 as well as the provisions of the CPUTR 2008

 

That is why I always include the following in my CCA requests

 

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

 

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Now DLC are in default. The CCA is quite clear and I suggest you point out their obligations under S175 and 189 of the Consumer Credit Act 1974 as well as the provisions of the CPUTR 2008

 

That is why I always include the following in my CCA requests

 

 

 

 

Thanks ODC,

 

Yes I did also include the paragraphs you mention :)

 

 

'If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189.

If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties'.

 

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

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Well they dont give up!

 

As they declined/refused to forfil the cca request & returned the £1 postal order, this arrived this morning:-

 

'You have failed to respond to our previous letters. We may now instruct an agent to call at your address to collect the amount owed, or to arrange suitable repayment terms.

 

To prevent this, you must telephone us immediately on 0844 3358450 to make a payment'.

 

Beachy

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