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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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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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Credit file wiped after 6 years?


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Are credit files wiped clean after 6 years?

I believe I may have an outstanding debt with a mobile phone company but haven't received any letters from them and I have moved address, I haven't checked my credit file either.

 

If debt is wiped after 6 years, then isn't it possible to just take a loan and never pay it back?

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Are credit files wiped clean after 6 years?

I believe I may have an outstanding debt with a mobile phone company but haven't received any letters from them and I have moved address, I haven't checked my credit file either.

 

If debt is wiped after 6 years, then isn't it possible to just take a loan and never pay it back?

 

If you want another 6 years of stress, hell and hassle that in no way compensates for the loan you have taken, then yes. However, as you have stated these intentions, it would be a criminal act. I wouldn't recommend such actions for both of these reasons. I wouldn't dream of getting credit I couldn't afford to pay back on time, let alone intend not to pay back, for any reason. Don't do it.

What sort of world do you want your kids to grow up in?

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If you want another 6 years of stress, hell and hassle that in no way compensates for the loan you have taken, then yes. However, as you have stated these intentions, it would be a criminal act. I wouldn't recommend such actions for both of these reasons. I wouldn't dream of getting credit I couldn't afford to pay back on time, let alone intend not to pay back, for any reason. Don't do it.

 

I'm just saying that a lot of people do it and then skip the country.

I didn't state anything above :D

I have no need for aloan anyway, it was an interesting argument I was discussing yesterday.

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If a debt has not been acknowleged for 6 years then it becomes statute barred. Debts do not show up on credit checks after 6 years. So in theory yes you can take out a loan and then scarper.

 

Be warned however: If you apply for a job in finance or something that requires you to have a credit check older debts can show as a few caggers on here have found.

 

Can I just add that cag does not condone or entice debt avoidence.

I know your question was theoretical:)

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If a debt has not been acknowleged for 6 years then it becomes statute barred. Debts do not show up on credit checks after 6 years. So in theory yes you can take out a loan and then scarper.

 

Be warned however: If you apply for a job in finance or something that requires you to have a credit check older debts can show as a few caggers on here have found.

 

Can I just add that cag does not condone or entice debt avoidence.

 

I know your question was theoretical:)

 

Something must be wrong in the credit file system though if it's supposed to be clean after 6 years yet old debts/CCJs are showing up?

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I did not know anything showed up after 6 years but apparently it can when you apply for a job in banking, finance.

 

Don't ask me how cos I don't know.

 

It is that some caggers have posted on here that they couldn't get a job because of old defaults etc 10 years ago.

 

It must be similar to a criminal record. When an employer does a CRB check it shows up X amount of years but an enhanced CRB check shows a longer period.

 

It's all very confusing:confused:

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If you want another 6 years of stress, hell and hassle that in no way compensates for the loan you have taken, then yes. However, as you have stated these intentions, it would be a criminal act. I wouldn't recommend such actions for both of these reasons. I wouldn't dream of getting credit I couldn't afford to pay back on time, let alone intend not to pay back, for any reason. Don't do it.

 

On a philosophical note, it is ironic that the banks charging you for the service of loans are actually lending out money created electronically that they don't have something a lot of people don't consider. It is one of the best legal scams I have ever heard of :)

This is a US example but the same applies for UK banks...

http://moneyterms.co.uk/reserve-requirement/

 

Anyway, thanks for feedback.

Edited by qwertyjjj
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On a philosophical note, it is ironic that the banks charging you for the service of loans are actually lending out money created electronically that they don't have something a lot of people don't consider. It is one of the best legal scams I have ever heard of :)

This is a US example but the same applies for UK banks...

Reserve requirement

 

Anyway, thanks for feedback.

 

The biggest [problem] is Central Banks being private. :wink:

What sort of world do you want your kids to grow up in?

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Hello renegotiation!

 

Absolutely.

 

It's a great shame that few people even know what a Central Bank is.

 

It's a complete tragedy that fewer still appreciate how utterly rotten and evil they really are.

 

Cheers,

BRW

 

Don't give up mate, as the awakening is growing. Albeit slowly...

What sort of world do you want your kids to grow up in?

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Hello renegotiation!

 

Don't give up mate, as the awakening is growing. Albeit slowly...
Too slowly, sadly!

 

Those who are aware must work even harder to open more eyes to the issue.

 

Now is the time! Never have so many been so fed up with bankers...and yet while we all suffer, they are back to making obscene profits again, and are licking their chubby lips at the prospect of Hoovering up all the assets (at bargain prices) of those who will go bust and/or who will lose their homes in this latest engineered downturn.

 

The worst of this has yet to start...2010 looks set to be a bumper year for the banks. They are awash with number-money, they have a big rubber stamp from the Judiciary, they have Political backing from their mates in Government and the Consumer Credit Act has been de-fanged and emasculated.

 

The banking Asset-Grab Gold Rush will get going soon, and they won't stop until they have gorged themselves on peoples' misery.

 

Cheers,

BRW

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