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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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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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skbuncks v Lloyds ***SETTLED IN FULL***


skbuncks
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Anyone have a fax number for [problem], might as well save myself the stamp money

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Cheers, i'll fire that off today then

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Hi You guys

 

I have "enjoyed" reading your chat as ii myself have this morning received the "Notice that Acknowledgement of Service Has been file" and that SC&M intend to defend all of my claim. It looks like i have a long haul ahead and i will probably need your help as experts in the field!! Would you mind keeping in touch via the email? Many thanks Caroline

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Also in exactly the same position, I have received their defence to, seems standard as others on here. I am now settling doen to fill in the AQ .No doubt it will receive the same response.Caroline I will try and keep up to speed here too

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  • 2 weeks later...

Received my court date today - 31/01/2007!

Kingliam

:!:

 

On behalf of the Ginger one

Lloyds TSB - 1ST 12/07/06-LBA 26/07/06-MC-14/08/06-Court-31/01/2007

Halifax - D P A 02/10/06

On behalf of MumKing

Barclays Bank D P A 29/08/06

 

On behalf of DJ Sunny

Alliance & Leicester D P A 29/08/06

 

On behalf of GrandmaKing

GE Capital D P A 30/10/06

Barclays Bank D P A 30/10/06 - 1ST 15/11/06 *Microfiche [problem]

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Which court you in? Got my date for sheffield county court 28th feb 2007!! Anyone else got a similar date in sheff???

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Is there anything i can do to get an earlier date??

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The waiting time for a small claims date is usually around 3 months.

 

So they've given you a definate date then, no mention of a stay or anything like that? If not then no, theres not alot you can do. Sheffield CC must be snowed under!

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Dont recall there being a mention of a stay. Will have to reread the letter.

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I am off to leicester court, I have re-read the letter this morning and it appears I have to supply the court with yet another schedule of charges, copies of any statements relied upon showing each charge within 28 days. Is this standard should I reply quickly or wait to see what the Solicitors do?

Kingliam

:!:

 

On behalf of the Ginger one

Lloyds TSB - 1ST 12/07/06-LBA 26/07/06-MC-14/08/06-Court-31/01/2007

Halifax - D P A 02/10/06

On behalf of MumKing

Barclays Bank D P A 29/08/06

 

On behalf of DJ Sunny

Alliance & Leicester D P A 29/08/06

 

On behalf of GrandmaKing

GE Capital D P A 30/10/06

Barclays Bank D P A 30/10/06 - 1ST 15/11/06 *Microfiche [problem]

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Kingliam,

 

Have you got a thread you can post this on? I don't want to go into to much detail on someone elses thread really, but yes, you MUST comply with the order of the court, within the specified time limit. Failiure to do so will result in your claim being struck out. Post the directions on your thread and I'll assist you further.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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Ok, I woke up on the wrong side of the bed today and need to take my frustations out on someone. That someone is Llloyds and there little friends at ****.

 

Am starting the ball rolling with a complaint to the OFT as it helps to vent my splein and put me into the complaining mood.

In the section 'brief summary of complaint' I intend to write this

 

My complaint concerns the regime of 'fees' which have been applied to my account in relation to unpaid items and unauthorised borrowing.

Whilst I accept that where a breach of contract has occurred, such as in this case, the bank is entitled to recover appropriate damages to compensate it for the actual loss incurred. Where this sum is a genuine pre-estimate of the loss as a result of the breach of contract, then it stands as agreed damages and is called liquidated damages.

If the sum agreed however is not a genuine pre-estimate of loss, but a penalty, then it is not recoverable as a matter of law. The charges which the Bank has levied on my account clearly fall into this latter category in that they are excessive and disproportionate to the actual loss incurred and therefore are not a genuine pre-estimate of loss, but a penalty and therefore unlawful at Common Law, Statute and recent Consumer regulations.

It is also the opinion of The Office of Fair Trading (OFT) that these charges are punitive in nature and furthermore, The 1977 Unfair Terms (contracts) Act requires that all contract terms be reasonable. I don't consider these charges to be reasonable as defined by this act.

Given the above, I require a full refund of all fees paid to date together with court costs incurred by myself plus the statutory 8% interest as allowed by the county court system. As of the 13th November 2006 this totals £870.38

 

The big question is who else can I complain to to get **** in the sh*t.

 

skb

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Whos stolen my signiture??

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  • 2 weeks later...

Im bored and at work so have started to compile my court bundle really early. Quick question though do I really need to include the entire DPA act and if so does anyone have a word version?? Cos it will take for ever to copy and paste from Data Protection Act 1998

 

Is it not more reasonable to only include the relevant bits??

 

skb

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Who told you you'd need the Data Protection Act? You don't, that is unless you filed for non-compliance. UTCCR's, UCTA, SOGA and all the relevant case law is needed and you'll find it all in the 'court bundle' in the templates library.

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Its just that its in the court bundle I downloaded, was somewhat confused as to why I needed it and looks like I dont. Excellent that should save on photocopying

I have everything else so looks like im just bout ready to go

 

skb

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Dont recall there being a mention of a stay. Will have to reread the letter.

 

For info, have checked over correspondance and [problem] requested a stay but were Denied. Ha.

 

Still gunna pester them for settlement, make em earn the £200+ an hour they're charging lloyds

 

skb

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Its just that its in the court bundle I downloaded, was somewhat confused as to why I needed it and looks like I dont. Excellent that should save on photocopying

I have everything else so looks like im just bout ready to go

 

skb

 

Are you sure its definately the Data Protection Act your talking about? Its not part of the 'court bundle' from the templates library:confused:

Please remember to DONATE! Help CAG keep up the fight!

 

 

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Yeah, id also copied the index from someones court bundle they'd listed in their thread with the aim of amalgamating the two. Have looked back and it was one against Abbey hence the need for the DPA. HAve removed it from mine

 

cheers skb

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  • 4 weeks later...
  • 3 weeks later...

Good Luck all - there is a light at the end of the tunnel - i have just won!!!

 

It took 3 months in total which i think is pretty good going looking at some of yours - i think the thing that swung it for me was that i wrote in the allocation questionnaire that i respectfully requested that the court request the bank to come clean with their charges (which the banks don't want to do) - the bank without any warning then said they would settle the full amount out of court (this was the end of Dec) and when i looked in my bank this morning the money was there!! hoorah!

 

Keep persevering - you will win in the end!:D

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  • 4 weeks later...

........28 Days to Go.

 

Woohoo starting to get excited

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