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    • Yes in hindsight that would have been the best course of action but due to Mercedes taking 4 weeks with misdiagnosis (which were initially classed as wear and tear - battery & fuses) and then correctly identify the problem we had no choice but to go ahead and agree to works being done.   
    • SERVICE BY EMAIL Rules 6.3(1)(d) and 6.20(1)(d) of the Civil Procedural Rules (“CPR”) allow service by email of claim forms and other documents; these Rules are supplemented by Practice Direction (“PD”) 6A. In accordance with PD 6A.4, in order for service by email to be valid, the recipient party must have previously indicated in writing to the party serving that they are willing to accept service by electronic means and provided a fax number, email address or other electronic identification to which it must be sent. The PD also requires the sender to ask if there are any restrictions on the size of documents that can be received by email.   .
    • NO EMAIL. Not only for the reasons outlined above. CPR Rules state that PAPLOC's can't be served by email unless you give them express consent to this (just giving them your email address is *not* express consent), meaning that they have to be served by post. Either way, a court claim can't arrive by email either. The courts will send that by post. They'll file it to your old address and you'll have no idea until a couple months later when all of a sudden a CCJ is on your credit file because they've obtained what we call a backdoor CCJ. In easier terms, stick to proper post for legal/contractual disputes.   In this case, ignore entirely. That is more useful for more "normal" private parking invoices.   
    • I read the Ignore thread that your reply linked to and it recommends that a letter be sent: You should write to the car park owner - the supermarket etc - not the parking company- with a brief letter denying that any money is owed at all. Also ask the car park owner if they have given authority to the car park operator to bring any legal action against you. You should also complain and asked them why they are prepared to sell their reputation by treating their customers as enemies – and wouldn't it be better that the £160 odd, which the private parking company is trying to take from you were spent in their shop/supermarket rather than going to a wholly non-productive company such as [X X X name the company X X X]? The car park owner will also realise that it is their reputation which is associated with their draconian action - not the parking company which is merely acting as a fall-boy. Should I do this or just ignore it entirely?
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Feelingdownandout Vs Halifax


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5% £1500 = £75 5% £324 = £16.20 total £91.20 errrr still less than £100 and 5% is way over the odds ;)

 

You have every right to question and challenge so dont feel scared, yes my area is struggling also, I think almost everywhere is hun :( but this site gives great courage you'll see once you start reading and understanding more, its amazing :)

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I would, just take off the reference number I left on if you have already copied it, doh! :eek:

 

I personally, (if you can) would carry on paying until their time has passed ie 12 + 30 days remember recorded delivery, print off proof of signature, third party cheque or postal order for £1.00 included with the letter then see what they come back with

 

If its nothing then the account is in default and they cant do anything other than send scary letters I am guessing you are already defaulted so hey ho.

 

No more £100 each month though if they cant provide it or its flawed ;)

Edited by wish me well
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By the way because they are both with the same creditor its only one letter needed but I think its £2.00 you will need to pay (not quite sure on that) just to be safe.

 

Just put both of your account numbers on the one letter, at least that will save a little money on postage costs ;) every little elps!! :)

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If its nothing then the account is in default and they cant do anything other than send scary letters I am guessing you are already defaulted so hey ho.

 

No more £100 each month though if they cant provide it or its flawed

 

when you say if its nothing...what do you mean? or if its flawed?

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On the small chance that they do have fully compliant alleged agreements for your accounts then like I said you are already paying more than you need to and if they insist on reviewing then you send in your new proposals as the balance is always lowering therefore so is the amount you need to pay even on 5% of it ;)

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Yes halifax do have lots of flawed agreements per 2007 and 5% is a guess they will try and get as much as they possible can thats just how it works.

 

on any alleged agreement its unlikely to be anymore than 3% of any outstanding balance so go figure :)

 

And finally NO they cannot take you to court for not filling out another IE form or what ever they ask you to fill in, they have no right to ask for any proof of income ie bank statements payslips tax credits nothing, only a court can order that ;)

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so, does that mean that no DCA can ask for proof of income or insist that I fill in an I&E form? can they refuse any reasonable payment offer that I make?

 

NO NO NO they have no rights to ask for proof of income and if you make a reasonable offer to pay and they refuse then good look to them :)

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Right lets assume they receive it next tues (check on the royal mail track and trace and print off their signature - stapple that to the receipt and keep safe) so 12 days = 27th June if they have not responded then the account is in dispute at this point you can send them a letter stating this its upto you right then 30 days from the 27 = 27th July if they still havent responded then the account falls into default, game over until they can provide it. (they can provide after this but until that time they cant enforce the alleged debt ;)

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do I still keep paying? if no response from them?, does as courtesy letter saying they will look into count as a response?

 

Right this is where you need to decide, I would personally carry on paying until their time is up then cancel the SO or DD and write a letter to them informing them what has happened and why.

 

Whether they send a courtesy letter or not they still have to reply with the agreements within the timescale set by the CCA 1974 ;)

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they take the payments from my bank card as they have the details and verification number etc they have the lot.

 

Contact your bank and tell them you need thoses transactions stopped, its your bank account not theirs, I am sure the only thing that they can setup is a DD so they are easy enough to cancel.

 

Or after the time has passed and you are in the position to cancel as per your rights then write them a letter stating that they are no longer authorised by you to withdraw any amount from your bank, send a copy of this to your bank and inform them that if they continue after you have removed permission it would be classed as theft!!

 

That should make them stop and think.

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you are helping me more than u realise, i just proper frightened.

 

I know that feeling well but please try not to get too worried, you are doing more than enough for the amount you owe and requesting your CCA's is your right under the Consumer Credit Act.

 

Just get that letter sent and wait and see what they come back with.

 

If they send any agreements back thats when you will need to scan them into this thread for us to look at and see if they are compliant ;)

 

I found laughter was a huge help.

 

p.s these DCA's and the like are out to frighten us thats what they feed on, there is no need to be frightened anymore, this site will see you through it :)

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Ok this is from my very good friend Mouldy and he knows his stuff:

 

THEIR ADDRESS (your address opposite, top right)

 

DATE

 

REFERENCE: DATA PROTECTION ACT

 

SUB REF: Subject Access Request pursuant to PART 11 sec 7 (2) (a) and (b) of the Data Protection Act.

 

Account Ref: xxxxxxx (put in your account No.)

 

Sort Code: xxxxxxx (put in your sort code No.) if applicable

 

Note: For the purpose of this communication and all or any subsequent written correspondance that may follow relating directly to the contents herein. 'I', 'Me' and 'My' shall mean: Mr (put your name here). 'You', 'Your organization' 'Group' or similar, 'Data Controller' shall mean: Abbey and all associated companies.

 

Dear Robot, (obviously put Sir/Madam)

 

In accordance with my full legal rights of access to any of my personal information/data under the above-mentioned Statute that is held on your (Abbey's) internal system of records and relates directly to me, I, Mr (put in your name) respectfully request that you (Abbey) provide me with a hard copy of all of my personal data that you do so hold in any relevant filing system (including manual filing systems) within your organization (Group) and including all archived records that date back over the previous six (6) years to the present day.

 

Futhermore, I respectfully require you to provide me with any of my personal information that you hold in any electronic form of filing system ensuring that the hard copies that you send to me are legible and that all and any codes and abreviations are also provided in order to assist me in being able to easily read the documents containing my personal data.

 

Further to the above, I specifically request that you provide me with every single bank statement dating back over the previous six (6) years to the present day.

 

I also request that you provide me with a copy of my account agreement including all of the terms and conditions that applied at the time of my opening the account, a copy of any changes to the agreement that you may of introduced since the time of opening the account and a copy of any terms and conditions that may apply to present day banking and transactions to the account.

 

Finally, I request that you provide me with a comprehensive list of all charges that you have applied to my account dating back over the previous six (6) years, to include, showing what the offence was, the date of any such offence and the amount applied as a charge to my account.

 

In relation to the above paragraph, I respectfully request that you justify any sum amount that has been applied to the account to show that the sum amount (charge) does indeed reflect actual costs incurred and not exceed any damages the bank may have suffered due to any breach of contract to the account.

 

I trust that you will make as serious effort to understand your legal obligations under the Data Protection Act and provide me with all that I have a legal right of entitlement to under the said Statute.

According to the Information Commisioners Office the maximum fee that you may charge for my Subject Access Request is £10.00 (ten pounds) and so I therefor have enclosed the required fee.

 

I understand that you have forty (40) days to comply with my rights of access to my personal data of any description and as prescribed in this communication under the Data Protection Act.

 

I also request that you provide me with the contact details of the case officer or compliance team that will be managing my Subject Access Request.

 

I would like to express my gratitude to you in advance for your consideration and attention to this communication.

 

I Look forward to your full response within the accepted time scale.

 

Yours Faithfully

 

SAR Mouldy style :)

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