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    • @Man in the middle I've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • Thanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe concenquences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points?
    • Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  
    • Been perusing the actual figures on the polls above wondering where the '16% claimed for deform comes from? I understand that there are 'weighted' end results based on secret calculations ...   Probably going to repeat this later, but remember that the ukip/brexit/reform/deform party has ALWAYS had poll speculation FAR better than their actual  performance at elections - by large margins. SO: The labor and Tory votes come largely from simply the people who say they will vote for them - sorted Lab 43% Tory 20%, with maybe another small 1-2% coming from the weightings of the 'not sures' Greens largely get what is declared from 'other' , although with another declared green bit from the 'pressed' question   So as the share of the voting displayed in 'other' granted to reform/deform is around 11%, where does the '16% too often being reported come from? Seems that reform has been granted as beneficiary of effectively ALL the don't knows and wont says, who when pressed didn't actually declare for someone else ... effectively adding 40%+ to their reported polling % - rather strange given their consistent under-performance compared to polling - or perhaps that is the cause of the higher rating eh?   Now I admit the possibility (probability?) of wingers being ashamed of declaring their support for the yuckey lemon end of the spectrum ... but surely  that should affect the 'Torys as well? Maybe the statisticians have simply weighted in that deform wingers are simply more likely to lie?   But - without 'weightings' and assumptions that faragits will get everything that isnt declared as a definite and unequivocal 'not that Piers Morgan' - reform is on around 11% it seems.   Add to that the history of polling a lot less than the hype - and the simple fact that faragit wingers seem to be spread across the country (presumably skulking in their moms spare room despite being 45+) and greens and lib dems seem to be community minded - I think two seats will be an epic result for farage. Hardly the opposition - far more raving wingnut party.   and importantly - Has farage got a home in clacton yet?
    • "as I have no tools available to merge documents, unless you can suggest any free ones that will perform offline merges without watermarking" (which you don't) ... but ok please upload the documents and we'll go from there
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    • 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
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    • 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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Cap1 & CCA return


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Could somebody have a look at this.

[attach]3671[/attach]

It contains a CCA from HFC - Pretty sure its enforceable.

I also need someone to check out the statements.

2 sets of statements. You'll see what I mean when you see them.

What I need to know is have I been disadvantaged in any way by the way they have split the payments up.

 

Your help most appreciated.

 

Sharpman.

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this company say thay will do it for free on a no win no fee basis

 

is it worth using them??

 

Real Claims: Wipe clean PPI, Miss Sold and Unenforceable Loans, Credit Cards

 

 

if i have not got to pay a penny and they have to do all the work it win win, isnt it

 

 

has anyone used them

 

 

all other companies i have found charge a fee of arount 200-500 just to look at your claim

 

am a bit unsure though as unless it goes to court how do they get paid???

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if i have not got to pay a penny and they have to do all the work it win win, isnt it

 

 

If it looks too good to be true, it probably is!

 

Use CAG & DIY - you are in control, anything is yours to keep (with a donation to CAG of course! :wink:) & you'll find it is v. satisfying.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Could somebody have a look at this.

[attach]3671[/attach]

It contains a CCA from HFC - Pretty sure its enforceable.

I also need someone to check out the statements.

2 sets of statements. You'll see what I mean when you see them.

What I need to know is have I been disadvantaged in any way by the way they have split the payments up.

 

Your help most appreciated.

 

Sharpman.

 

Yes its enforceable...

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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thanks dave.

 

Do you know anybody on the forums who are financialy minded. I need some one to look at the statements on that pdf. I need to know if they're pulling a fly one using the payments the way they are doing it. I was paying over the required payments and they were splitting the payments pefore adding them to the account. need to know if, by doing it that way it is detremental to me by meaning that i pay more in interest or the such.

 

thanks

Sharpman

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thanks dave.

 

Do you know anybody on the forums who are financialy minded. I need some one to look at the statements on that pdf. I need to know if they're pulling a fly one using the payments the way they are doing it. I was paying over the required payments and they were splitting the payments pefore adding them to the account. need to know if, by doing it that way it is detremental to me by meaning that i pay more in interest or the such.

 

thanks

Sharpman

 

you need to see if there is any mention in the t&c's about OVER payment, and / or how payments will be allocated.

 

But on the face of it, it seems ok. you have reduced your liability by overpaying therefore the interest portion will have been paid faster......

 

somone else may know better

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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If it looks too good to be true, it probably is!

 

Use CAG & DIY - you are in control, anything is yours to keep (with a donation to CAG of course! :wink:) & you'll find it is v. satisfying.

 

is there a summery thread, regarding the process?

 

i have looked but can not find the basic process

 

i could read all 600 odd pages , but it would be useful for other members also to have a sumery of the process

 

thanks for the help

 

i did try calling that company as o n their site it states

"How much does it cost

 

We work on a no win no fee basis, even if you win it will cost you nothing."

 

 

this implies that they do not take a percentage

Edited by killat
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hi all,

i did a cca request to mbna on 28th july and got a reply on 14th aug. The agreement looks to be unenforcable, no prescibed terms etc basically it is an application form.

i then received a letter from mbna on 19th aug saying they had sold my debt to equidebt ltd-equ and that any enquiries regarding the account should be made to them.

my question is.......who do i write to now to say the agreement is unenforcable and has not complied etc.....

 

any help greatly appreciated.

 

thanks

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hi all,

i did a cca request to mbna on 28th july and got a reply on 14th aug. The agreement looks to be unenforcable, no prescibed terms etc basically it is an application form.

i then received a letter from mbna on 19th aug saying they had sold my debt to equidebt ltd-equ and that any enquiries regarding the account should be made to them.

my question is.......who do i write to now to say the agreement is unenforcable and has not complied etc.....

 

any help greatly appreciated.

 

thanks

 

Hi Katie, I would wait until equidebt contact you (which no doubt they will) and then write to them explaining that the 'agreement' you received is an application and nothing more, and therefore unenforceable.

 

Magda

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Hi Katie, I would wait until equidebt contact you (which no doubt they will) and then write to them explaining that the 'agreement' you received is an application and nothing more, and therefore unenforceable.

 

Magda

 

 

MBNA just have a routine threatogram program which you will just have to endure as anything you write to them will be ignord:rolleyes:

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hi all,

i did a cca request to mbna on 28th july and got a reply on 14th aug. The agreement looks to be unenforcable, no prescibed terms etc basically it is an application form.

i then received a letter from mbna on 19th aug saying they had sold my debt to equidebt ltd-equ and that any enquiries regarding the account should be made to them.

my question is.......who do i write to now to say the agreement is unenforcable and has not complied etc.....

 

any help greatly appreciated.

 

thanks

 

Same thing happened to me, just as i was entering into dispute they sold it to equidebt......I wrote to equidebt and said that we were at the dispute stage when MBNA sold the debt unlawfully. I'd of got more sense talking to the wall !!! now I just ignore them or sometimes write to tell them that I dont acknowledge ANY debt to them.........just got a letter offering SUBSTANTIAL reductions if I contact them to discuss it!

 

yeah thats going to happen.

 

ok then...

 

write to Equidebt, and tell them that you do not acknowledge ANY debt to them at all and that they must supply you with documentary evidence of the alleged debt. (s78 - 77 cca them). and for good measure put in the letter that you require all contact to be in writing ONLY

 

there are several letters on here that will do the job.....

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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thanks i never thought to wait....guess it will stall things for a bit lol.......

 

i was wondering if mbna had to send me a formal notice of assignment or is a letter stating they have sold the debt, with the name and address of the new creditor on enough?

 

is it legal to sell a debt on?

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thanks i never thought to wait....guess it will stall things for a bit lol.......

 

i was wondering if mbna had to send me a formal notice of assignment or is a letter stating they have sold the debt, with the name and address of the new creditor on enough?

 

is it legal to sell a debt on?

 

 

Yes they can legally sell/assign the debt but first they have to serve a default notice and then a Notice of Termination

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We work on a no win no fee basis, even if you win it will cost you nothing."

 

 

 

hmmmm no win NO FEE...implies that if they do win there IS a fee. From what Ive seen and heard it could be anything from 15% to 40%.

 

Do it yourself

 

1 CCA them

 

2 determine if its legit

 

3 LBA them

 

4 issue N1

 

5 go to court (if necessary)

 

6 count money

 

very rough guide :)

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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hi all

 

just been looking at my docs...it would seem i had a letter on the 16 june saying that

'mbna has scheduled your account to be written off as a bad debt. please be aware this does not mean it will disappear. we will pursue one of the follwing actions to recover the debt.'

 

they then go on to say they may place account with 3rd party, or sell debt to a 3rd party or refer your account to a solicitor.

 

on july 7th i got a letter to say they would discuss the possibilty of settling the account with a payment of xxxxx.

 

i have heard nothing since then except to get my agreement which was then followed by a letter stating the debt had been sold.

 

thanks all

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i have had no default notice or notice of termination.......i did get a letter saying they would reduce the debt substantially but i ignored it when i found this site and ccad them instead. i have had no other correspondance. should i S.A.R - (Subject Access Request) mbna ?

 

Well they NEED to send you a default notice then a notice of termination then the letter to say they sold the debt. Equidebt need to send you a letter to inform you they now own the debt.

 

if none of the above has been complied with, they have acted unlawfully.

 

you could sar mbna....i would do that anyway (helps build the evidence pile).

 

you should also cca equidebt.........but wait to see if they follow procedure first.

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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Share on other sites

is there a summery thread, regarding the process?

 

Depends what you're trying to achieve - PPI, unlawful charges, unenforceable debt? Which?

Suggest you start a new thread for each issue you have according to the company you're dealing with & post it in the appropriate forum

 

 

We work on a no win no fee basis, even if you win it will cost you nothing."

 

this implies that they do not take a percentage

 

No, it doesn't - it's just cleverly worded. It won't actually cost you anything i.e. they won't ask you for any money up front, they'll prob. just take their cut off the top of anything they get back for you. Nothing in this life is free!

 

If you need help in which forum to be posting etc. please give details of the companies & type of debt you have eg. CC, loan, overdraft etc.

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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if they have not followed procedure but have sold the debt on anyway is there anything that can be done ...

 

Yes, keep all the paperwork! It will give you more ammo to fire if they try to initiate legal action. And of course, if you don't receive a Notice of Assignment and/or an enforceable agreement, stop the payments. No NOA, no CCA, no agreement to pay! :)

 

They might, of course, try to sell the debt on again to some other sucker DCA but by then, you would hopefully have put it in dispute & could tell them to whistle...

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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