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    • First begging letter received from Overdales   ;Blah blah blah, our client's are going to win this blah blah blah we supplied all your documents under CPR   PS you can stop all this by paying £1200 less in a lump sum
    • Right,  so the court hasn't send out the Directions Questionnaires/N180s yet. PE's one is a false one, meant to intimidate you into thinking your defence was rubbish and they are confident with their claim. This is par for the course.  The PPCs do this regularly. However, PE have gone further and written that "a copy has also been filed with the court" which is a lie as the court haven't even sent out the papers yet. Keep a screenshot of MCOL, later on in your WS you can draw attention to their lying and abuse of court procedure. If you've got time on your hands, then complain to the BPA about one of their members lying.    
    • We need documents to be uploaded in PDF format. Uploading in Microsoft Word format discloses personal details relating to you which you should not be sharing. Click upload – to understand what to do. How did you pay for the vehicle? You start by saying that you should have walked away – yes you should. Not only because of the reputation of this company but also if the transaction isn't perfect you shouldn't get involved and you certainly shouldn't be taking the word of some used car dealer. Big fail! Why are some of your letter in black and some the in red? When you get some of the ideas in there – have you use a template from somewhere else? They aren't interested in a delay caused by some fire alarm or something. They certainly aren't interested either by the distress you are suffering. They have hundreds of customers who become victims of this kind of thing. All of those customers suffer distress. Big Motoring World don't seem to be very bothered. What are the faults which exist with the vehicle now? Is it just the splashing? Where is the splashing? What is it that is splashing?   Do I also understand that you purchased the vehicle without trying it at all and the first time you were in it and had splashing was after you had made the contract?
    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
    • I drove a friends a car for a few days and I used cuvva car insurance to insure myself for the time period. Here's the problem: I made a mistake with the dates on the insurance, I ended up driving uninsured for one day and I got a speeding ticket. My friend named me as the driver on the Notice of Intended Prosecution as she should and I will take the blame of course. Will met police ask for proof that I was in fact driving? I mean, any more other than me replying to the NIP that I will soon receive from them? Cause I assume that my insurance for the day will be the proof that they need... Secondly,  if caught driving uninsured, what will happen please? I read it's £300 and 6 points. Is that all or is it worse? I'm only asking for information from knowledgable people. If you intent to just mock, you're certainly not helping. Thanks
  • 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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Arrow Global (dept I don't owe, they claim I do)


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Hi All

Arrow Global wrote to me at my address of 5 years in October last year, saying I owed them £104 for an old orange contract I had. I stupidly called them to protest that the contract was closed and paid up to date. They said that would look into it? (That was 6 months ago) It prompted me to check my credit report and I discovered that they have registered a default at my old address. I recently wrote to them to dispute the outstanding balance and to ask for the true signed copy of the default notice. 10 days later I received a reply asking for "proof of my new address" they are asking for 2 forms of identification from a long list. They say this is due to the data protection act 1998. I assume, although not stated on the letter they need this before responding to my request? It's seems odd that they require this info as they contacted me at my address of 5 years. I'm just wondering how to reply? Do I supply the identification or apply more pressure to get the defaults removed?

In fairness the default comes of in January but feel this is matter of principle.

Any advice before I bang another letter would be appreciated.

Thanks

Tom

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Hi All

Arrow Global wrote to me at my address of 5 years in October last year, saying I owed them £104 for an old orange contract I had. I stupidly called them to protest that the contract was closed and paid up to date. They said that would look into it? (That was 6 months ago) It prompted me to check my credit report and I discovered that they have registered a default at my old address. I recently wrote to them to dispute the outstanding balance and to ask for the true signed copy of the default notice. 10 days later I received a reply asking for "proof of my new address" they are asking for 2 forms of identification from a long list. They say this is due to the data protection act 1998. I assume, although not stated on the letter they need this before responding to my request? It's seems odd that they require this info as they contacted me at my address of 5 years. I'm just wondering how to reply? Do I supply the identification or apply more pressure to get the defaults removed?

In fairness the default comes of in January but feel this is matter of principle.

Any advice before I bang another letter would be appreciated.

Thanks

Tom

 

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If they have already written to you current address then they need no more proof.

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This my suspicious mind makes me think that their records are out of date or incomplete and they are on a phising trip:fish2:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I suspected the same thing tbh, I think I'm going to reply saying they have all ready wrote to me at my current address, so won't be supplying the info and insist that they supply the data request or remove the default.

 

Thanks again

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?? are there 2 threads running on this

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks cerbs I thought I was seeing double and i have only tee martoonies:!:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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  • 1 month later...

Hi All, Just a quick update, I ended up sending these fools proof of my address to get closure and a removal of the default. The accompaning letter was a hybrid between the Prove It letter and and a request for supporting documentation for the orginal issued "default notice". They have responded to say they have no obligation to supply the DN with no mention of proof of the alledged debt. The closing paragraph basically demands payment or else kinda thing, can these idiots read?

 

I have sent one final letter to request proof to the debt in question if they cannot provide this within 7 Days I have demanded that the default be removed from my credit report. I've got a feeling that they are going to reply with a load more c**p, so I think I'll be contacting the ICO. Is there anyone else I can complain to?

 

thanks

 

Tom

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OFT and formal complaints to the other parties

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi All,

 

Just thought I'd update anyone that is interested. On the advise of OFT I sent one final letter to the Arrow Global tewrps, see below:

 

"Dear Sirs

Thank you for your letter dated 21st June 2011.

I now understand that this “Service Agreement” is not regulated under the CCA 1974 so will not be pursuing with my request for a signed copy of the original credit agreement.

However you have failed yet again to provide proof of the alleged debt of £104.00 with Orange (Account Number: ) I will say again, this matter is fully disputed. I will also draw your attention to the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection(As quoted in previous correspondence), which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. Judging from the last paragraph in your recent correspondence, it would seem that your company believes it does not need to comply with the CPUTR 2008 guidelines. Any further demands for payment as per your previous letter will be reported to the Office of Fair Trading.

I will ask one final time that you provide proof this debt is still outstanding, if you cannot within the next 7 days could you please remove the default marker logged by Arrow Global with the credit reference agency as is unsubstantiated. If you could be so kind to write and confirm this matter is now closed and that my request has been carried out"

Response received is attached, as you can see these people are totally unprepared to deal with me. Complete utter t***sers. I have now sent a complaint to Tom Alexander Orange CEO/OFT and the ICO. I also BCC Arrow global on the e-mail I sent to Tom at Orange and backed it up with an e-mail to them saying what I'd done and who else I'm going to report them to. No response upto now:wink: Sit and wait I suppose.

Tom

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