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    • Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?
    • The first clearly visible sign as you pull in to the car park states “McDonald’s Customers Only 60 minutes” The next clearly visible sign is an almost identical sign outside Starbucks which states “60 minutes free stay for customers only” There are other signs towards the rear of the car park (away from the outlets) that have the terms and conditions on them in very small print.
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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
      • 161 replies
    • 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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Link below to the thread on making a complaint to Experian. I am also suggesting that people write an official letter of complaint to HFO headed FORMAL COMPLAINT, address to the General Manager and ask for a copy of their complaint procedure by return of post. Also put 'copy to OFT, Consumer Direct and ICO' at the top .If it is the same 72 hour letter that others have received it is very threatening and meant to cause distress. Assume it says things like Bailliffs will visit your property and stuff like that, much of this being untrue. You need to point out in your letter that this is an invasion of your personal data and you consider it to be harassment designed to cause distress. I have added a link to OFT Guidelines to help you formulate some complaints.

Was there anything else other than the credit report?

Receipt of e-consumerview report complaints

Link to a CAG thread on experian and complaining, there is a sample letter in there

 

http://www.consumeractiongroup.co.uk...ment&highlight=

OFT Guidance link

This helps when drafting a letter to OFT

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

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They included a load of e-consumerview gumf.. which includes details of of someone who lives around the corner

I think that is serious enough.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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No not yet as last threat was back in april withthe 14 day letter. Yeah i have been linked to an address on the same road just not my block of flats and it says the name of who lives there!

CCA sent Crapquest ran away...

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CCA request link below - I am using my store of links here! Send this with your letter of complaint to HFO. PRINT your name on both or put line through your sig

 

CCA Request

CCA letter to send with a £1 postal order by recorded delivery, do not sign. They have 12 plus 2 working days to reply. If nothing valid is received you can send a letter to put the account in dispute and this should stop them contacting you.

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

Account in Dispute letter

http://www.consumeractiongroup.co.uk/forum/content.php?436-Failure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

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FORMAL COMPLAINT

Dear Sirs

 

I am writing with regards to the letter I received from you (Open) this morning

Other than being rather threatening and obviously designed to cause distress, it arrived insecure (the envelope was open) but it contained personal information of a credit report of me. It also includes details of somebody that I have no connection with at all.

 

I have also reported you for breaches of the Data Protection Act to Information Commissioners Office, Trading Standards and The Office of Fair Trading, they are all receiving a copy of this letter.

I now wish to receive a copy of your complaints procedure via post.

 

Yours faithfully,

 

CCA sent Crapquest ran away...

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Try this - this is something I have been working on - amend to suit

 

 

HFO Services

PO Box 342

West Byfleet

KT14 6YX

 

Your Ref (from their letter)

 

Copy to OFT, ICO, Consumer Direct

 

Formal Complaint

 

Dear Sir/Madam

 

I acknowledge no debt to your company.

 

I am in receipt of a letter dated xxxx from your company regarding monies that you claim are owed to you and threatening legal action (
amend to suit)
. This is signed by xxxxxxxx

 

I note that the following documents were attached to this letter:

 

1)
A printed Experian credit report obtained via econsumerview web site containing personal information relating to myself.
(and anyone else)

 

There is no explanation as to why this/these attachments were included and I can only assume that this was done so as to instigate a threat or harassment towards myself.

 

The Experian credit report was obtained by you without my prior knowledge or permission and I require an explanation of your entitlement to do this

 

The letter and data contained were not sent to me by a secure registered or recorded service – 1st Class mail being used and the envelope was not sealed.

 

Please view this letter as a formal complaint against your conduct and
I require a copy of your official Complaints Procedure by return of post.

 

I have instigated complains regarding your access to and use of my personal data with Experian, Information Commissioner’s Office and OFT

 

I look forward to receiving your comments on this matter in writing and in the time period specified in your Complaints Procedure. Any further harassment or data infringement by your company (by mail or telephone) will also be Further reported to the OFT, Trading Standards and the ICO.

 

Included with this letter are is a request for information under the Consumer Credit Act

 

This letter is being sent by Recorded Delivery,

 

Yours Sincerely

Edited by coledog

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  • 1 month later...

Did you also send them a CCA request? If they have not replied to that also you should send the Account in Dispute, the link is in the posts above. Did you make a complaint to OFT, ICO etc as it may be worth updating them to say that HFO have not replied to your complaint.

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  • 2 weeks later...

Loan Agreement, Skip Chase Forms from Welcome a crap letter will post up later! Copies of the Id i used when i got the loan. Oh and the original default notice, which date is different from that of on my credit file! Will scan and post later on

CCA sent Crapquest ran away...

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