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    • I need to get a hamster. lol
    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
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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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    • 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.
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      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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welcome finance


clarkkent
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hi can anyone help me as i am worried. i got a car on hp with welcome car finance in nov 2008. in sept or oct 2009 i stopped paying as i couldnt afford the 340 pound per month repayments and in nov 2009 i posted keys and log book in envelope through thier office door by hand. it took them 2 months to get car and someone did cum round to try to sort out a payment plan but as im out of work i saw no point in talking to them and my wife told them i didnt live there any more as these people dont live in the real world.they then hand delivered a letter to my mums because that was the only other address they had for me which i thought was out of order as this now worries my mum. then on the 5/5/10 i got a default notice letter dated 2/5/10 saying i had 14 days to clear my arrears or contact them for proposals for settlement or it may result in legal proceedings and they may apply through the courts for an attachment of earnings order to be made.i am unemployed so can they do this.plz help as i am really worried.

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Hi Clarkkent,

I think perhaps you should start by sending a letter requesting a copy of your

credit agreement to check its validity.You can also tell them that the debt is disputed and collection procedures should stop.Use the template letters on this site.Don't telephone them and insist that they do not make visits to any of the addresses they have for you deal by post only.

I had similar trouble with this lot a few years back and they rewrote my CCA with lower payments,when I was ill and could not pay a DCA was involved and I sent them the template letter, when CCA arrived It showed I had signed it they had not. Outcome in court the were told that no contract existed.

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Hello and Welcome, clarkkent.

 

I'll move this thread to the Welcome Finance Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Clarkkent,

I think perhaps you should start by sending a letter requesting a copy of your

credit agreement to check its validity.You can also tell them that the debt is disputed and collection procedures should stop.Use the template letters on this site.Don't telephone them and insist that they do not make visits to any of the addresses they have for you deal by post only.

I had similar trouble with this lot a few years back and they rewrote my CCA with lower payments,when I was ill and could not pay a DCA was involved and I sent them the template letter, when CCA arrived It showed I had signed it they had not. Outcome in court the were told that no contract existed.

 

I have also got my original agreement which i have signed but they have not. Mine was signed for in there office i have not had a problem so far with my car account but i am just wondering could they enfore my hp if they havent actually signed the agreement

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hi postggj i cant find my agreement i must have chucked wen i was cleasring stuff but i have default notice u can see. shall i post that on here. please give me a day or so as i havnt got scanner or printer.soz.

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