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    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
    • Followed up with letter which is no surprise as I’m easy to find via electoral roll. Letter says we have been asked to recover from you on behalf f our client in Middle East x amount. if you believe you are not liable please contact us - yeah right! If you wish to make payment here are our client bank details which look genuine and relate directly to a Dubai bank. ” if you don’t engage our client may take further action” etc blah blah blah. its the same type phrases used by CWD/IDRWW/IDR etc…..   I ignored the email, blocked the text number and will wait to see if I receive any formal action via Mail but seems like the same tactic I’ve seen for 10 years plus and I’ve ignored all. just for people’s info
    • Hi. I expect the experts will be along later to advise you. In the meantime, I've amended your thread title to show the car park name and location. HB
    • i can instruct my gof to sit, but if it does is an entirely diff matter. WL are acting here as a DCA and are not the OWNER of the debt, lowells are, so jog on WL... until very very recent we've never seen lowells raise a scottish claim Lowell/Shoes SPC Claim Forfar Sheriff Court - Old Newday Credit Card. - Scotland Financial Legal Issues - Consumer Action Group  
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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.

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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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CAPITAL 1 Short Application 1998


Dotty50
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TBH I have done nothing since their letter, I have to get cracking on all of my threads but family matters have taken priority.

 

It appears to have been passed to FPC, which I believe to be Fredericksons and they are calling regularly!

 

I have seen them off before, so not too concerned at the moment.

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Hi Dotty50

I have a copy of the 1998 application form just like yours. I done a CCA request in 2009 and received the same charges that Dolly G got, but the page footer was 20-01-2004.

I then sent a SAR and received the same information, the page footer had no date reference but instead had the footer reference " Capital One Confidential".

I think they cut and paste from thier document templates and hope you don't question anything they send you, after all they are totally professional and there is no need for you to question anything they send to you.

Also my letters from them also state " Please find enckosed your client's ccredit agreement... Just incompetent and should not be in business especially a business which handles finance.

Loring

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Ah, yes have seen them mentioned on here, yet they never got involved with my own (this thread is for my OH) but then I am owed more that the balance in charges and PPI!

 

Thanks dd.

 

I agree, Loring, they do send whatever they like and most people just accept it, which they will if they have not yet found CAG.

 

I have had 3 different T & C's for mine, none of which are correct!

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TBH I have done nothing since their letter, I have to get cracking on all of my threads but family matters have taken priority.

 

It appears to have been passed to FPC, which I believe to be Fredericksons and they are calling regularly!

 

I have seen them off before, so not too concerned at the moment.

 

Dotty

 

I have e-mail addresses for real people at Freds.com and also "Uncle" Bryan Carter if you want them. It's funny that e-mails to Uncle Bryan get responses from Fred.:eek::confused: I wonder if Bryan knows his e-mail is being intercepted? ;) Maybe he's threatening court action on the wrong people?

 

BD

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  • 3 weeks later...

I was just about to start a thread about Capital One in 1998 and found this.

Can anyone tell me what trading name Capital One was using in 1998/9. They sent me an application form signed in early 1999 which they have sent with prescribed terms and NINE pages of T&C's issued by Capital One Bank (Europe) plc. Checking with Companies House it shows that Capital One Bank (Europe) plc wasn't incorporated until November 1999. I have a feeling that it was Capital One Bank plc but perhaps someone with some paperwork from then could have a look.

Thanks

SS

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I was just about to start a thread about Capital One in 1998 and found this.

Can anyone tell me what trading name Capital One was using in 1998/9. They sent me an application form signed in early 1999 which they have sent with prescribed terms and NINE pages of T&C's issued by Capital One Bank (Europe) plc. Checking with Companies House it shows that Capital One Bank (Europe) plc wasn't incorporated until November 1999. I have a feeling that it was Capital One Bank plc but perhaps someone with some paperwork from then could have a look.

Thanks

SS

 

My OH has had exactly the same from Capquest, and I know that she was never given any T& C's when she applied for a CC.

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