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    • I let you know what happens tomorrow, but I believe the buyer will escalate this matter and ebay will then automatically find in his favour and either   send him a label to return the goods to me and try to charge me for the label and then asking me to refund the buyer when I get the goods back or  refund him and tell him to keep the goods, then asking me to re-imburse them I'll find out tomorrow and post here which way it has gone
    • Just been notified by HM Courts that EVRI have been given a further 14 days to respond to my MCO. Rgds, J
    • Great. It will be very entertaining to see the reaction. Now are you in the mood for starting a small claim on the basis of their data protection breach – the failure to respond to the subject access request? You please wait months – and this should be much simpler and much lower risk in terms of cost outlay. I would suggest that if you are up for it that you get ready to issue a claim for £100 for distress for failure to respond to your subject access request. They would be really stupid to defend it and in fact they would even be stupid to allow it to go through as a claim – but you need to be ready. The cost of issuing the claim will be £35. I would also make a complaint to the information Commissioner's office Data protection and personal information complaints tool ICO.ORG.UK Find out what to do next if you’ve had a problem accessing your personal information from an organisation, or if you’re unhappy about how an... This will be a very easy complaint to make. You would upload a copy of your subject access request. Information Commissioner won't do much but you will get response and eventually they will come back to you and simply say that there has probably been a breach. They tend not to say anything more than that that this will be good enough if you find that you do have to go beyond simply issuing the claim. Let us know if you would like to do this. The hundred quid is useful – but the main thing really is to harass them and to emphasise how incompetent they are. This will stand you in good stead if we have to have further litigation to bring the whole agreement to an end.  
    • What would be my options if they sent the letter of claim? As I have statements which have an 'original total' minus the payments and the details of account number, Duration and amount of credit would this likely be used in the letter of claim?  
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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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    • 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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im in a payday loan trap

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Can anyone help, Im new to this site so pls be patient with me.

A few months back we were short of money so my husband applied for a payday loan,this was to pay current bills....we paid this back but then again more bills came so we borrowed again...to keep it short before we knew it we were borrowing one to pay back another. The salary my husband recieves is only enough to get us by as a family. We were stupidly paying the unsecured debts first, credit cards etc and not rent council tax etc. then we realised we could lose the roof over our heads so we had to take out another loan...

We have sat down and agreed from now on any income we recieve will pay the importants debts, i call them debts but at present im up to date with everything Except now these payday loans.

I will be honest and shame myself but we have a few out. The pay back dates are coming up soon and we simply cant afford to pay them before we pay the rent council tax etc so what do i do? some this payday are requiring only the interest fee, then next payday the loan amount pls the interest fee again and some are requesting the whole amount. i have 2 babies to consider i cannot risk us losing our home or having the electric cut etc.

When we applied for these we had every intention on paying each one back and now realised we cant. I gave each lender my debit card details then also acc no and sort code.

now im worried what wil happen now i cant afford to pay these back, what is the very worst that could happen. I have read a few msgs on the forum where members are talking about the consumer credit act etc, do i have as a borrower any rights against these kinda companies etc?

Any advice wil be much appreciated, i have asked on other site's only to be told what i already know that these are short term loans, learn to live on the minimum etc i know all this and believe me when i say i will learn from this.


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Good Morning,


i too, have been in this spiral in the past. I find that 'usually' if you speak to them they are understanding, cancelling your cards or direct debits or ignoring their calls can be both expensive and embaressing as they will start calling work numbers etc. But if you call them, explain the situation and dont agree to anything you cant keep too, at the end of the day, they want their moneyback, if the only way they will get it back is for your to pay it back at say £10 per month then ........


Good luck...let us know how you get on!

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what companies did you have good dealings with? the ones ive come across are rude and not upfront with you. had dealings with QQ, arranged a payment plan and instead of taking the 137pound agreed, they took the whole monty in one go.... 411 in 1 payment not 137 in 3 payments. best to default and wait for a DCA meanwhile just send postal orders to them for what ever you can afford. Wonga are shocking. stick to your guns. Mortgage bills food...payday loans can wait. remember these companies only survive because they know some people out there are desperate and default. forget your credit rating, it was probably all shot up thats why you went to these people.

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