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    • Thank you for taking your time and helping me on this. Would you recommend I also send a letter tomorrow to both BMW and Motonovo?
    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
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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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HFO Claimform - old welcome loan from 2004 - **DISCONTINUED**


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They can only claim interest from the date you was notified of the assignment.

 

If there is no date on the notice of assignmnet then the assignment is invalid.

 

Have to disagree that notice has to be dated, if no date is given , notice may still be good, but if a date is given that date has to be correct otherwise notice is ineffectual.Assignment itself is only complete from thed date of notice, that date is the date it is received by or on behalf of the debtor,I would argue that the NoA itself does not have to be dated, they should though send the NoA recorded, persuant to LoP act s196, to prove you have received it.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Have to disagree that notice has to be dated, if no date is given , notice may still be good, but if a date is given that date has to be correct otherwise notice is ineffectual.Assignment itself is only complete from thed date of notice, that date is the date it is received by or on behalf of the debtor,I would argue that the NoA itself does not have to be dated, they should though send the NoA recorded, persuant to LoP act s196, to prove you have received it.

 

But the can only claim interest fromt the date that notice is given - so no date - no interest. Their claim is misleading, and deliberatley so

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But the can only claim interest fromt the date that notice is given - so no date - no interest. Their claim is misleading, and deliberatley so

 

The date of notice is actually the date it is received, thats what Halsburys law states.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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BA this account transfer letter is addressed to my new house as i have only lived here a year, yet thay sent me a reminder NOA to my old address back in feb 2011 ( CAN'T SEND A REMINDER BEFORE THE NOA CAN YOU? )

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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BA this account transfer letter is addressed to my new house as i have only lived here a year, yet thay sent me a reminder NOA to my old address back in feb 2011 ( CAN'T SEND A REMINDER BEFORE THE NOA CAN YOU? )

 

Quite correct, I doubt they ever did serve you notice, they have to prove it was served, persuant to s196 LoP.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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BA this account transfer letter is addressed to my new house as i have only lived here a year, yet thay sent me a reminder NOA to my old address back in feb 2011 ( CAN'T SEND A REMINDER BEFORE THE NOA CAN YOU? )

 

Good one for the OFT........

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US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Ello all just drafted up this letter for my friends at HFO in reply to there letter telling me they will press ahead if they dont here from me in 14 days !!! not to clever at wrighting letters :( GH

hfo stayed.pdf

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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Hi guys just a little update for you all, my man at OFT has sent me a draft of my WS :) looks like i have a BIG nail to stick in there coffin :) He pointed out a few things that shows what HFO are like :) got a few things to change 1st but fingers crossed this goes all the way !!!! GH

:) HFO fan club member :) HFO V GLORYHUNTER ( WON ) :)

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