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    • Are these the important pages I need to upload ? 1.  pages 1-4 are court form 10a 2.  2 pages of the CCA agreement  3.  Default notice from NewDay, 22/02/20 4.   Lowell letter stating they own debt ,     Dated 16/11/20 5. Unheaded letter also dated 16/11/20 from NewDay saying they assigned “all of the respective rights etc,”  to Lowell on 23/10/20 I make this 9 relevant pages from what I can see   ( all other pages are statements/default notes and lots of FCA info sheets) just needing your confirmation in advance as I don’t want to send over pages that are not required thank you  UCM      
    • Just out of curiosity aesmith - are you a lawyer?
    • I spoke to a pro-bono entity this afternoon.  They advise I must initiate a claim in the court v the receiver if I want to then file an application for an order for sale.  I must have a claim/ proceedings to be able to force a sale. The judge in the current proceedings  has told me that I cannot force the lender to sell and the lender cannot interfere either.   If the receiver isn't acting correctly and isn't selling - this means I must make a claim against the receiver I could initiate a claim. Or much quicker  - the other entity - with a charge already - could use that to make an application for an order for sale.
    • Thanks Dave It's not too far away, about 8 or 9 miles, so I will probably venture over on my bike if I can't think of a good reason to drive there again! I'll have a chat with Mrs GB_Joe tomorrow and see which shops they visited, I know M&S was on the list (had to try on multiple sets of trousers!) and they are actually in that bit of retail park. The uniform shop is across the way in the Meridian Centre, so probably not helpful to get them involved.
    • As they have failed to deliver their original PCN you will need to send them an SAR where they should provide that PCN. It should show the address they used . If it is not your current one that would explain the non delivery. If it was correct then perhaps the Post office messed up. A more cynical view would be that UKPC didn't send it so that you couldn't claim the reduction. It appears that UKPC have been there for some time  but I have been unable to find any pictures of their Notices.The leisure park itself is pretty big so while some parts maybe give 5 hours free parking other parts may have restrictions like permits. I haven't been there for years -I went  to Nandos and the bowling centre . I am surprised that they are now infested with UKPC as the place is plenty big enough not to require their dubious services. If you live not to far away it would help if you could get some legible pictures of their signs. Be carful to park in an area that doesn't require a permit and take photos of the entrance signs, the five hour sign and the permit only sign as well as any other signs that are different from the previous signs. Also if their is a payment machine could you please photograph that.
  • Our picks

    • 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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convenient excuse?


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am pursuing the unco-operative bank to have them revoke their charges set against me and have had to report them to the Information Commissioner's Office for failure to comply with my subject access request within 40 days

 

At the same time, i sent them the letter before action hoping to hurry them along or jog their memory - because i know just how hard it is for such a large business to tend to their customers requests in a prompt and helpful manner; within 7 days they send me their first bit of correspondence and guess what? they never received my original subject access request! how funny...

 

the letter states that they are willing to action my request as soon as possible but request a fee of five pounds and then go on to say that once the fee has been received they will provide the fee within 40 days!!!

 

what do i do?! i already sent them 10 pounds which they apparently never received. they have me right where they want me: threatening them with court action but with no dates and figures to fight with...and to top it all off, they are faffing around by saying that they will respond within 40 days...arghh, it's an kafka-esque nightmare!!

 

CAN ANYONE HELP?!

 

i am going to speak to the ICO as they have acknowledged my complaint

 

the only other thin i can think of riht now is to contact the bank itself and confront them about the issue...anyone had a similar situation?

 

pray tell

 

take care all

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Guest ian cognito

How did you send the £10, if it was a cheque or postal order, you will know if they cash it?

 

I work over the road from Balloon Street (their head office) I can take the letter in person if you e-mail it but can't help with the £10 I'm afraid!

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Basically if they can say they did not receive the request, it is a reasonable defence.

 

Did you send the request letter "recorded delivery" ?

If not and they did not cash the cheque/postal order then you should start again but watch in case they cash your 1st cheque/postal order. If they do I would suggest they have committed fraud.

 

If they have cashed the cheque/postal porder or you did send it "recorded Delivery" then pursue them via the information Commissioner.

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  • 3 weeks later...

thanks you guys for the advice and support...

 

all is good - i called them up and asked them to debit from my account the £5 that they required to kickstart the subject access request so now i wait...

 

thanks for the offer of hand delivery JANQUINNY

 

and no fraud as the original cheque ain't been cashed as yet...

 

cheers guts

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  • 4 weeks later...

hi all

 

how's the bank slaying going?

 

good, good...

 

so, at last i have all my statements dating back six years...!

 

NB. you may be interested to know that i started this claim against co-op back in may, (alongside one to barclays), and - just to give you an idea of how much time wasting/bluffing/downright dubious processes that can and will be used to try and put you off their scent - the one for barclays is just waiting for me to file the allocation questionnaire before being given a hearing date!!!

 

The advantage of all their mussin' (oh alright, and my slight slackness - but only at the beginning...?!) is that i am SO much clearer about the process than i was back in the summer, in fact i am downright relishing it!

 

this whole process is a weird way to operate a kind of saving regime - but i like it

 

 

Anyhoo, i'm gonna go now...spreadsheet and request for charges and interest to be repaid being sent out tomorrow

 

Thanks for all your brilliant work and bless you all that are fighting them

 

 

REMEMBER: you WILL win

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  • 4 weeks later...

hey diddly

 

just a quick update...received a reply to my request for repayment that was blatantly a computer-spat document (complete with opening sentence : "thank you for contacting us recently to let us know you are unhappy with our service or products"...if that don't give it away); the rest of the letter was basically concerned with wasting my time...so, sent them my LBA and have had a surprisingly similar reply except this time they state that they are looking into the matter and will have a reply for me within the next 6 weeks...obviously i have nothing better to do than wait around for a large company like theirs pull their finger out of their proverbial and sort out my complaint; i have sent them my schedule of charges twice for their convenience!!

 

perhaps i should call them and offer to come down myself and give them a hand...

 

so onto MCOL, as they force me to take them through the courts

 

good luck to you all and keep battlin 'em...

 

nutty

 

PS. caught a programme on welsh radio the other day that was covering the bank charges issue, and was urging people to check out this and other sites and to bother the banks for their money back...so the crusade grows

 

xx

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Guest ian cognito

I had the same and recieved my refund about a week after LBA, don't want to build your hopes up because i know they treat everyone differently but hang in there!

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  • 2 weeks later...

hey janquinny cheers for the support and

 

CONGRATULATIONS

 

did you get a full refund?

 

well, where am i? well, succesfully sent through my court claim via MCOL on 17/11/06 as time limit for a full refund up, plus got bored of their automated responses...had a lovely weekend learning to waltz and cha cha cha, and started the new week confident in the progress of my claim (as i am a few stages further in with barclays at present, so have been here before)

 

Then tue brings another letter from my man christopher cardwell at co-op, referencing my letter dated 19/10/07 - all very confusing as had received reply to LBA only 4 days before and had his name at bottom also...! Effiency and communication people, i mean come on...

 

Anyhoo, he's basically apologising for the delay in his response (the one which is clearly laid out in their complaints leaflet that is included with the letter - another breach perhaps...?) and he goes on to mention the terms and conditions blah blah blah BUT ater careful consideration co op are willing to recredit the total of my charges (£570, to date) and would i arrange a payment method with them over the phone

 

he then goes on to say that the overdraft interest part is non-refundable as it was not mentioned in recent statements made by the OFT

 

Well, all this is not only a little too late, but it's hardly reasonable is it? So. i decided to give my man a call, except that the only port of call i've ever been given is their customer helpline call centre number which we all know don't really get you to anyone that you really need to speak with regarding matters similar to these does it?; how wrong i was! the nice fella i chatted with looked up old CC and said that "typically" (his words not mine) my man is only available tween 8.30 - 4.30, exactly the same hours that i work...but he gives me his extension no. and now i have direct contact - huzzah!

 

So, i decide to give him a nice early call and get told that he is busy on another call - either another disgruntled customer that beat me to it or perhaps another bluff...i ask if they can get him to call me back, and he does pretty promptly, launching straight in to arranging for my money to be refunded; i politely state that i am willing to accept the figure as a part payment towards the total outstanding one and go on to state that because i had not had a positive reply within my reasonable time limits imposed previously, that figure now had a few more numbers added - namely the court fee, the 8% interest and decided to request that they refund my SAR fee (£5 - it all counts folks!), totalling approx £755

 

He is a very pleasant man, he makes "i'm writing all this down" noises and says that he will put my request to his superiors and i will hear something back from them via phone or letter in the next few days...simple as that, phew! I was pretty flippin nervous about speaking to them as as much as i knew, i didn't want to allay a lack of confidence or get caught out by anything, but all went well...

 

we will see if they get back to me with a "yes" to my offer (unlikely), or if they get back to me at all...i imagine it will be some sort of compromise but i will probably have to jog their memories again in a few days

 

my conversation with CC has been transcribed to paper, a copy of which is winging it's way to their head offices as we speak, and if i hear nothing then they have till the 9 dec to come up with a defence...

 

i wonder if the xmas giving spirit will creep in to un co op towers?

 

we shall see

 

cheers all and remember - you will win!

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Guest ian cognito

Well you're getting there! yes I got a full refnd from the co-op, not wuite so lucky with Smille though, I gave them an extra week or so after LBA, partly because co-op paid up so promptly and partly because of work, holidays etc. Got a call today, thought they were coming to some arrangement but no - courtesy call to let me know "the matter was being dealt with in accordance with FSA guidelines" told them they had my timetable and extra and they said (wait for it) "we can't just jump when you tell us to!!!" OK N1 tomorrow.

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come on now, don't be so harsh on them - THEY called YOU after all - it's nice to know they care (or at least know who you are)?!

 

you'll soon be smilin all the way to the bank. it just might be via the courts

 

let the dogs slip...

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WELL BY JOVE...I HAVE AGREED A SETTLEMENT WITH THE CO-OP!!!!!!!

 

my man chris cardwell was trying to get hold of me fairly frantically on friday as there were a few messages on the telephonicle when i got home from work...

 

So, i called his number this morning first thing and we went through the breakdown of my request that we discussed a few days previous and apparently a cheque is winging it's way to me as we speak.....

!!!

 

HUZZAH!!! HUZZAH!!! HUZZAHHH!!@!!!

 

 

i have agreed to halt my claim with the courts once the cheque has cleared in my account, and not before!

 

there was no bother at all - no questions, or uhms and ahhs or wringing of hands...simply: "we are sending you out a cheque for the amount today, mr. ******"

 

SO THERE WE HAVE IT.....

 

Just so you know, the breakdown of my request:

 

570 - charges

45.03 - overdraft interest on charges

80 - court fee

57.33 - 8% interest (capped once i had had some genuine dialogue with them, rather than the standard letters)

5.00 - S.A.R fee

 

 

will let you know once the settlement is final and the hard cash is in my paw!

 

A MASSIVE THANKS TO ALL THAT HAVE CONTRIBUTED TO THIS SITE AND THE INVALUABLE RESOURCES THAT IT CONTAINS; A HEALTHY NOD TO ALL THAT GAVE/GIVE THEIR SUPPORT AND A FIST PUMPING TO ALL THAT ARE CONTINUING THE BATTLE - KEEP GOING FOR YOU WILL BE SUCCESSFULL!!!

 

EXPECT A DONATION ONCE FUNDS CLEAR!!

 

am going to attempt to move this thread to the "successes" section - any ideas anyone..?

 

bye bye love the nutter:D

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