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    • First of all please can you tell us the name of the seller, something about the van – age/year, mileage, price paid. How far away is the seller from where your son lives? Who do you take it to for this inspection? Are they prepared to give you a written list of the things that they found? This is very important and you may well have to get an independent inspection from somebody such as the AA. This will cost you some kind of feedback we expect that we will be able to help you get it back. I would say that if you have to bring a court claim – which is likely – then your chances of success are better than 95% but the difficulty might be enforcing the judgement against the seller. We will have to no more in order to give you better advice. Does it have an MOT? What is the date of it and who gave it the MOT? I suggest that you start taking pictures of all of the defects that you can find.
    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive, and an untrained eye would not of seen what the seller had done.  Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.   
    • The economy grew by 0.6% in the first three months of the year, ending a shallow recession.View the full article
    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
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      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.  

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      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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Please help going to court over card fraud


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Hi to all and firstly I would just like to state what a site of interesting information this is on most aspects of disputes, Im astounded.

 

I open this new thread as I cannot find anything in regards to people with similar circumstances to mine so if there is one I apologise.

 

I write for any information that might help with a pending court case with my credit card provider over fraud on my card whilst on holiday in riga.

 

I will write a brief nature of events.

 

Me and three friends arrived in riga after seeing copenhagen stockholm and talinn we go on road trips every year purchasing a car from ebay and seeing places of interest. We arrived in riga on the 22nd and went out into the old town for dinner and drinks we finished the evening by going into a bar underneath our apartment for a drink before bedtime. I ordered a coke to which the barmaid did not accept cash payment so gave my hsbc card over she said it had declined so gave my a & l debit card over again declined i disputed this she shouted you must pay to which security came over and demanded payment, to which my friends came over and persuaded them to accept the correct change to which my friend had.

 

The next day I cancelled the cards to which they stated a bars eight was withdrawing thousands from my accounts. This place however was not called bars eight. Anyway I cancelled the cards which left me with my egg and abbey zero card.

 

On the evening of the 24th we visited what looked like a sports bar on the main street called the lord pub we all drank beer and I got talking to a student girl at the bar. My friends left and I stayed with this girl for further drinks at her place in which I ended up passed out on her sofa. I awoke the next day to find my wallet on the floor the next day to which I picked up and we both went to the internet cafe. I checked my online statement to make sure no further transactions were made. I asked this girl wether she would like to meet my friends for lunch and she said yes so i returned to our apartment told my friends to get ready to go out for lunch to which we returned to internet cafe to find shed gone, I didnt think anything else of it.

 

I returned on the 27th september to find this bars eight had withdrawn monies on my egg card and tried but failed on pin entry on my abbey card. The affected accounts all had the same pin. This bars eight also ran transactions through whilst at home in england on the cancelled cards but the hsbc representative stated he allowed it to go through as evidence of fraud as i was home. I thought my whole identity had got stolen furthermore I realised my national insurance card was missing. To put this into perspective the perpetrators tried to get in total over 13,000 pounds.

 

I immediately felt that the initial bar that was responsible for this activity was the first one as stated as it was blatently obvious to me that fraud was taking place by the barmaids actions. But I stated that i didnt pass my egg card for payment because i was sure i didnt. Obviously egg disputed this and declined to refund me this has caused so much confusion and torment I felt i had to prove this whole case and bearing in mind I had visited so many places on our holiday I was pulling my hair out egg didnt give me receipts to determin the merchant or anything.The case eventually got refered to an ombudsman and whilst this was happening I was researching the places i visited in riga.

 

I found that these bars I visited have been well known for card fraud and extortion and have been deemed unsafe places to visit, had I known this i would not have visited these places. The transactions that took place happened between 9 and 10 in the morning and these businesses are shut at this time. I requested egg to send receipts to confirm the merchant they did not do this so all my evidance was secondary source material from other peoples experiences and warnings from embassies not to visit these places. So I have supposedly authorised transactions that completely wax all accounts to this bars eight.

 

I was paying interest on transactions I was not reponsible for plus penalties accrued due to insignificant credit. Both hsbc and a&l refunded my money but egg did not.

 

I proposed that the first bar was responsible for the egg transactions because they all came out under bars eight the ombudman stated that she cannot safely conclude that fraud took place but this isnt to say that I am not an innocent victim of fraud so sided with the bank. I was devastated and continued researching more into it.

 

I reported this to the latvian tourist and development agency about my experience and the person stated this has been going on for a long time and that when media attention hits these places they simply shut and reopen under a different name. I asked why are they not shut for good and he stated that all they can do is pass the information to the police and they are powerless to do anything because of latvian legislation allows them to commit these offences, incredible!!!. I eventually received a letter from the riga police in latvian, nice. I eventually translated it and what I made from it was that they have decided not to launch criminal proceedings as an offence never took place due to page 3,5 or there criminal process which basically confirmed what the person from the latvian tourist agency confirmed. There are also reports that the whole system is corrupt and adopts communist principles and that these places in question are operated by the russian mafia, I just cannot believe all this. This has caused me so much heartbreak as I just know i was fleeced of everything I worked so hard for and am an innocent victim.

 

I noticed one singularity with the transactions that differed on my egg statement than that to the others and that was that it says bars eight ka and the others just say bars eight. As i collected my research I knew that the first bar where i initially suffered the fraud was vagnera street underneath our apartment. the lord pub was kalku street, if ka at the end of bars eight on my egg statement is the street name this would be the lord pub as it was the only bar I visited on that street and this brought me to the attention of this girl I met and found my wallet on the floor where i thought id just dropped in my drunken stupor. I feel ive been subjected to some seriously organised crime whilst in riga but egg are having none of it.

 

I am trying to claim against egg for negligence based on all the information i have given them they failed to contact the merchant or supplied receipt so that if needed take legal proceedings with the merchant. This is what hsbc and a and l did. All egg have done is supplied an audit trail and refused recompence, once i had the new evidance in regards to the lord pub and that this bars eight ka I passed it onto the ombudsman. Because I had already started legal proceedings with egg she could not act on it. These places have now been closed forever after the president got involved and new legislation has been introduced to diminish these business motifs. I blame my credit card provider as if they had requested receipts I would have been in a position to take the lord pub to court this is shameful as im not in a position where I can locate the owners.

 

I filed my claim on moneyclaim and gave egg notice of intentions. Claim was issued on 03/02/10 and deemed to be served on the 8th. they had to the 22nd to reply to which they didnt. I gave them an extra week quoting the claim number and my intentions to apply judgement by default on the 1st march so i gave them an extra week. I applied judgement by default on the 1st march to which this has been rejected. Egg phoned me and asked for the claim number but i was on a train and didnt have the info but explained to her that they were in the emails i sent to you and the summons addresed to egg. This is a blatent lie as I phoned on the 23rd to make sure the customer relations received all emails and correspondance to which there response was that they had and they have passed it on to the legal department. Then I get a phone call asking for the claim number as they deny having it. I do not believe the amount of stress this is causing me they have sent me to hell and back. I have since had my judgement by default rejected six days after I could have enforced it.

 

I cannot help but feel Im gonna get screwed in court with legal jargon with egg being in there professional field.

 

I just feel if theres any advice anyone can give me I would greatly appreciate it I have been let down by every institution I have placed my trust in and feel alone in this........... please help.

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I am currently proposing that these transactions were commited by this girl I had met at the lord pub in conjunction with employees at the merchant, it is the only other time my wallet could have been compromised. These establishments have been designed with fraud in mind. the establishment in question is closed during the day as its a nightclub and these transactions were conducted during the day at times I believe i was asleep at this girls residence. I may have used my card at the nightclub but purely for beer in which the employee may have retrieved my pin at the point of sale!!! thousands were taken and my card has always been in a positive balance they took everything, trying to prove all this in a court of law is very daunting as i feel they will say I may have colluded or i may have been negligent but I havent and how in the hell can I prove in the court of law that i was asleep i feel ashamed to egg for not chasing the merchant and contesting the transactions over 5000pounds was trying to be authorised, they were successful in making one transaction of 950 and 2000 on a 2.5k egg money card......please help

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I will note that I have never gone to court or threatened but am willing to do so as I have not authorised these transactions I am an honest person that has been blatently fleeced on possibly two counts of fraud at known blacklisted bars they will not comment on transactions from the same merchant on other accounts even though hsbc told them of their investigations. Told them transactions had even gone out of my account when I was at home, no they are not interested. They are arrogant and just fob you off, their fraud investigators just go through every transaction on the hypothesis it was your fault its incredible? they have a code of consumer credit to adhere to within their investigation it seems if you cannot prove that fraud took place you are liable and are unwilling to supply all receipts to determin not only source but the circumstances to how this fraud may have been orchestrated. I would not have taken it this far if I didnt feel I had to, my hate for this company grows with every day.

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will be calling mcol at 9 to determine why the judgement was rejected. I phoned yesterday to request how long it takes to make the judgement valid and the lady i spoke with stated they havent replied and they have two hours so will be interesting what the rejection reasons were for as I have stated in my previous posts I gave them an extra week to be reasonable. Will update as soon as im made aware, regards

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right just got off the phone to mcol help desk they stated that egg have filed acknowledgement and have got til monday to file their defence, it all seems that egg are designed to denying of paperwork, emails and telephone conversations to which is damn right wasting my time, the courts time. They have consistently done this with my claim from their investigation to giving the ombudsmans information and now for filing acknowledgement. I will phone eggs customer relations with respect to them denying they had the information when they had this countless times on my behalf.

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customer relations staff still denied they had the information even though she contradicted herself by saying that her collegue wrote notes regarding my call to reafirm emails and courtsummons, this is a disgrace. I asked about obtaining receipts as evidance of the merchant involved and she stated this is the ombudsmans job to, lie, I already asked the ombudsman and she stated its not their job to retrieve information for either party to which she got all defensive but is in the process of consulting their own police liason officer and will ring me back in regards to this evidence.

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customer relations returned call and stated that she spoke to the legal department in regards to the claim and was informed that they will defend. I sort of expected this and it will at least give me an opportunity to express all my issues in regards to this. I may lose as i will be representing myself but I will not back down until ive exhausted all avenues of this. She also stated that she cannot obtain the receipts only to my legal representative to which I then said well I am my own legal representative, she then said that a direct link to the people that will deal direct and obtain this will be available in forthcoming correspondance. This is a sham I have always requested these receipts at initial investigation and ombudsman investigation and they still will not produce this crucial information that would have enabled me to pursue the correct merchant this is a disgrace!!!!

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Acknowledgement of eggs defence came today with shoosmiths as their solicitors. They claimed that egg didnt know about the claim, lie, sent a letter to the court manager with emails corresponding to the claim and details of telephone conversations with eggs customer relations. Stated that I want this claim to run naturally but will not sit here reading a letter that is a lie.

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