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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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      Many thanks 
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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
        • Like

Double claim ***WON***


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OK a reponse from Tower. They will not be attending.

 

However their reply to my holding defence is full of lies and inaccuracies. For example they state they have responded to CPR request, they have not! They have also had contact from my DMP which is again untrue

 

Their original AQ was lost in the post - they seem to have a problem with the postal service.

 

They also bang on about mediation and that I have not attepted this. To be honest as they have been ignoring me and the court I didn't see the point.

 

What is the correct proceedure for highlighting this to the court. At this stage I am tempted in principle to follow this through.

 

Some thoughts would be much appreciated.

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Rob, when is the hearing date ? If you have more than 7 days then you can put in a response to their defence/witness statement.

 

Go through their fiction, point by point.. rebutting each point you feel is inaccurate pure fantasy.

 

Then pop along to your local court, with a covering letter to the Court Manager.

 

 

 

Dear Sir or Madam,

 

Claim Number

Claimant v Robjam

Hearing Date XXX @ XX am/pm

 

 

In respect of the above hearing and with due regard for the overriding objectives of the CPR.

I respectfully request that the attached rebuttal statement be put before the District Judge to be considered alongside Claimant's witness statement / Defence dated XX XX.

 

Yours etc.

 

Then pop a copy in the post to the Claimant :)

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The fact that they have not complied with CPR is an overwhelming reason for you not to accept mediation. Why should you use mediation when you believe there is no case to answer, and they have failed to provide the evidence requested?

 

It is they who are avoiding 'the overriding objective'.

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Thanks Guys

 

Just what I need. Of course they are saying they have provided CPR. It must be clear to them from my defence that they haven't.

 

Again they have provided me with a copy of the letter to the court but no disclosure of any of the documents themselves.

 

Can I ask/demand them to provide proof of post? for both AQ and CPR

 

Cheers

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Rob, when is the hearing date ? If you have more than 7 days then you can put in a response to their defence/witness statement.

 

Go through their fiction, point by point.. rebutting each point you feel is inaccurate pure fantasy.

 

Then pop along to your local court, with a covering letter to the Court Manager.

 

 

 

Dear Sir or Madam,

 

Claim Number

Claimant v Robjam

Hearing Date XXX @ XX am/pm

 

 

In respect of the above hearing and with due regard for the overriding objectives of the CPR.

 

I respectfully request that the attached rebuttal statement be put before the District Judge to be considered alongside Claimant's witness statement / Defence dated XX XX.

 

Yours etc.

 

Then pop a copy in the post to the Claimant :)

 

 

OR better still dont pop a copy in the post to the claimant and then when he whinges- tell him you are having problems with the post!! - i'm sure he'll understand!

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  • 3 weeks later...

Well that was quick

 

walked in to the court chamber, DJ said good morning, invalid default notice and case thrown out. Less than five minutes.

 

He basically said that my notice of rebuttal far outweighed anything that Tower had put forward. He aslo complimented me on my knowledge of default notice legislation.

 

Thanks to all those that helped and that sticky about a ' tale of a dodgy default notice'

 

Lets see if they want another go.:D

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Thanks

 

To be honest it depends on the witness statement relied on by the opposition. I basically listed a number of untruths and comments relating to their statement. For example they mentioned serving a default notice and I pointed out that it was invalid. The basic layout of the form was as per the post kindly provided by citizen B.

Edited by robjam1969
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Robjam, I am so pleased to hear this. Well done you :D

 

Have a great weekend. Erm, what about costs ? :rolleyes::D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thanks citizen b

 

The dj didn't seem interested albeit he didn't say no.

 

To be honest he seemed to want me out. He had read all the notes and dismissed the case before I had opened my mouth.

 

I think I will sleep on it.

 

Thanks for that rebuttal statement - maybe to the successes forum:D

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sorry to sound ignorant but i read this thread with interest as i could soon be in same position great help from people here. what id like to know please is what actually happens to the debt once its been struck out by the court, i think i get that no legal action can be taken to enforce the debt but i guess it still has to be paid back to someone?

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sorry to sound ignorant but i read this thread with interest as i could soon be in same position great help from people here. what id like to know please is what actually happens to the debt once its been struck out by the court, i think i get that no legal action can be taken to enforce the debt but i guess it still has to be paid back to someone?

 

Nope it's struck out no need to repay

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