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    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • If you want to cause DCBL trouble, then complain to the SRA.  It would be even more fun if mystic_bertie would complain at the same time, to show the SRA there is a pattern.
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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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Cabot - Halifax Credit Card - Cabot now started Court Action - Help Please ***SETTLED***


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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If it is signatures you are wanting then a CCA request won't show them, they should, but these clowns think they are funny by omitting the evidence.

 

A CPR request (31.14-i think?) will be able to show you what it is they intend to rely on in court for evidence.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Been away for a few days, so have been unable to access this site, any how, a CPR request:

http://www.justice.gov.uk/civil/procrules_fin/contents/parts/part31.htm

Have a look through their, I think it is either 31.14 or 31.16, HOWEVER! You should only use a CPR request if they are threatening legal action, OR you do indeed want them to supply you with the CCA and the sigs.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Good question deserves a good answer, half of me says that they MUST have an original copy of your CCA, but the other half of me is trying to remember if that is no longer the case????:frusty:

 

I'm hoping someone else will be able to give you the correct answer to that, still trying to get my CAG head back on..

 

Who is it threatening court? Is it the OC (Halifax) or is it cr@pbot?

 

If it is the latter then unless they have bought the debt and all of the rights to it under the law of property act, then they are merely calling your bluff, besides, Cr@pbot CANNOT take anyone to court it has to be the owner, not some tin pot puerile DCA.

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, I did originally think they were and now it is confirmed, Morgans Solicitors ARE the in-house sols for Cr@pbot;

http://www.morgansolicitors.co.uk/

 

So technically NOT sols at all, a little bit like "Blair Oliver & Scott" who are the in-house "solicitors" for Bank of Scotland, very tame, immature and simply rely on peoples ignorance and lack fear.

 

Worrying about this is EXACTLY what they hope they can achieve thereby wear you down to the point of extinction, literally!

 

Give me a minute I an reading up on pre action protocols...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Right, the "Practice Direction -Pre Action Protocol" they are referring to, is their deluded attempt at making themselves sound legally aggressive when in actual fact, it is nothing more than their pathetic way of using incorrect legal jargon designed to exploit your lack of knowledge surrounding debt collection, it is in layman's terms an attempt to come to some agreement between you and them WITHOUT the need for court intervention.

http://www.justice.gov.uk/civil/procrules_fin/contents/practice_directions/pd_pre-action_conduct.htm

 

Please read the link, and stop worrying,

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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IMO I wouldn't do a thing, apart from complaining about them to the OFT&TS via http://www.consumerdirect.gov.uk/contact telling them that this clown outfit is attempting to exploit your lack of knowledge by using legal jargon, and attempting to make a mountain out of a molehill.

 

Then do some more reading about them on here, and brush up on your consumer rights, reclaim your rights and you can slap em down at every turn.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

You'll be fine,:thumb:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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It is always a good sign whenever anyone complains about this corrupt industry.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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CAB are possibly not the best of places to advise you of your consumer rights, as they might spout the same as TS.

 

What they say is perfectly correct & feasible, BUT court is a long jog away yet. Plenty more hoops for them to jump through before then.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Just refresh my memory where they are in there threat letters? And what stage this is now at?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ah yes the 28 day "pre action protocols" missive!

 

Could be time to use the CPR request, but I would be stubborn and ignore their self imposed time limit, then send them it. But I can't help but think that they are merely relying on your lack of knowledge and hoping to back you into a corner.

 

TBH I am not even sure if they have ever carried out any of their threats, but as Morgans are the In-house Sols for Cr@pbot, I am inclined to think they are trying to intimidate you enough to force payment.

 

How old is this again?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Right, in order to correctly find out that info you would need to send them a SAR, but! it is a safe bet that any default placed on your CRF "should" have been applied within six months of the default occurring.

 

Their petty letter spouting pre action protocols is their extremely immature way at hoping to intimidate your lack of knowledge, I would be in two minds now as to either ignore them and await their next comedy error, or tell them to put up or shut up!

 

IMO I would refer to the ignore treatment..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The name issue doesn't matter, but what CANNOT be changed or altered is the date of default,, so whatever date Halifax first put the default on then that date MUST remain whoever's name is next to it.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 4 weeks later...

Defence simply means you will not be rolling over and allowing them to bleed you dry, you fully intend to make them work for every single penny they are claiming for as you dispute the total amount, and they will have to provide solid cast iron evidence that you owe this money.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you have evidence that you requested the documents (CCS) and they have failed to produce them then of course that is a defence. You have legally requested sight of those documents to determine whether you are indeed liable, and if so, the best way of going about repaying them, they have once again frustrated the legal process by ignoring or failing to provide the documents you legally requested, therefore the account is disputed, yet they have still seen fit to issue proceedings against you, with little or no evidence of this agreement ever taking place.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I agree that the important docs and requests should be sent recorded or special del, but for everything else you only need to obtain proof of posting from the PO counter.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Others will be able to advise you, this is out of my league unfortunately and my knowledge in this field is very limited, but this will push you back to the top of the pile. Have you had a look through the legal section?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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For god's sake!!!

 

Dear Bill&Ben

 

Thank you for your letter dated dd/mm/yyyy the contents of which have been noted.

 

I am aware of what is and isn't to be sent in reply to my S77,78,79 request, and I thank you for confirming and agreeing to what I already know.

 

However, as it is in your interest to comply fully with my request, regardless of what legislation it is you intend to rely on, would it not be best practice to go above & beyond what you claim you are legally obliged to produce? After all, you are wanting me to pay you money you claim I owe, I have asked you to prove that I do indeed owe this by asking for the relevant documents, yet you still feel it necessary to omit certain details?

 

For the avoidance of doubt, I am NOT attempting to avoid repaying what I legally owe, I simply wish to have sight of the relevant documents in order to come to any arrangement to repay any money I might owe. If you have this information that I have legally requested, then why would you hide behind legislation to frustrate the process?

 

Regards

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Sorry BB

 

No No, my frustration is with THEM, not you Lamb!! Don't you worry I very rarely get annoyed or frustrated with people seeking genuine advice, unless they're a troll!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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. I think I need your "Good luck"

 

Of course you don't! It is THEM that rely on "good luck"!

 

YOU "ARE" in control .....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...
  • 4 weeks later...

The Mental Health Guidelines will also be instrumental in your case.

 

http://www.malg.org.uk/documents/MentalHealthGuidelinesEd2Final2009.pdf

 

There is a specific form that these idiots are required to send you in order to fill in regarding your MH issues, not some pathetic demand that they want to see proof by way of a doctors note, ruddy incompetent imbeciles.

 

A debt and mental health form, (DHMEF) is what they should have asked you to fill in.

 

http://www.malg.org.uk/debtmentalhealth.html

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Some further reading & advice from MSE

http://images.moneysavingexpert.com/images/attachment/mentalhealthguide.pdf

 

This one has some good contact numbers etc to try, and don't forget the National Debtline also.

http://www.moneyadvicetrust.org/images/finaldemand.pdf

 

http://www.nationaldebtline.co.uk/

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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