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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • 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    
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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.

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    • 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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Howard Cohen/MBNA - old set aside case - new AQ arrived - help


matt2002
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I have no idea! I certainly wouldn't have entered it as I wasn't living there at the time, that was a house I was renting, I moved out on 30th November as I picked up the keys to my new place the same day.

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could you have poss entered your old postcode

 

i remember the mbna sign-up site, it used to have just your name and a postcode box

then it auto filled the boxes and asked you to confirm

 

or was it p'haps done via one of these compare sites and your details were previously on the compare system?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I cant remember in all honesty, I don't have any printouts of the application. I know that I wouldn't have used a comparison site, and I wouldn't have used my old address as this means the card would have been delivered there - which obviously wouldn't be any good to me. The only time I would have entered that address was for the previous address information...

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Hi Thanks for replying, the deadline is 7th december, it is definitely from the court, send to court. I am struggling with finances as it is and not sure what will happen if this goes the wrong way! Although I am sure everyone is struggling this time of year :-)

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I can't help with this sorry but will give the site team a nudge to see if they can find anyone to assist.

 

Just a thought with the old address on the document that they have produced. If at the time the application was made, you had been at your current address less that three years, you would have been prompted to input your previous address. MBNA have made a simple boob of putting the previous address on the recon, IMO

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Does it not matter that there is no Credit Limit on the agreement? it just says "we will write to you and tell you what your credit limit is" have searched around but found conflicting information...?

 

No, I dont think this will help any.

 

Can you put a draft defence together so people can advise you further ?

 

For sure I would have thought that the paperwork they have supplied is ok for the s78 request but not for court, as they will need to provide originals.

 

It looks as though they have made a mistake in putting an incorrect address on the document.. as you say, what would be the point of putting an address that you dont live at, else you wouldnt have received the card. I guess you could say something about that in the defence.

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Matt, as advised, you need to draft up your defence so all can help knock it into shape.

For a little guidance on the original agreement argument go to this thread Post number 2560.

Basa has condenced the argument, this may help, but make sure you understand the argument, if its relevant to your case, then its a start.

http://www.consumeractiongroup.co.uk/forum/showthread.php?173201-why-you-shouldnt-use-section-77-78-CCA-1974-if-you-want-the-signed-agreement/page128

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Thanks for coming back, is there a standard format for a defence, or is this just in the form of a letter to the judge - sorry if im being thick, previously when i have submitted a defence it has just been a case of filling in a form that the court sent to me - no form this time though...

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