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    • All righty, seems I know why it was so quiet, basically the case was in transfer. I just got a letter from my local county court stating that they will be now taking over from Nots (dated 28 May 2024, wow) But no other correspondence so far. Will keep you posted
    • Hey,  I've messaged my husband but he is not contactable while he is in work. As soon as he is on his way home I will find out which finance company we used. I'm so sorry, I just don't know.
    • Okay, I have read your claim form. A pity you didn't come to us earlier. You haven't pleaded any legal basis for your claim and you haven't cited the Contracts (Rights of Third Parties Act. How long have you been aware of this forum? We will have to bring that out later when you do your witness statement. Once again, do the reading very carefully. I suggest that you wait until Monday before coming back here and confirming that you have read everything. And in particular, as I have indicated, read the thread which I posted above very carefully and in particular we the details of the contractual terms which were discovered and get a copy for yourself. Post a link to them in this thread as well for other people to see. They are relying on the fact that you don't have a direct contract with them and they are referring to a contractual term which is apparently in the contract between them and Packlink which specifically excludes third parties. You will definitely want to see this. They have tried to rely on this before but they have never produced the contract. In your witness statement you will have to request that they produced the contract in court. In terms of the mediation, frankly we would have advised you to decline mediation. It's all done secretively. Nothing is ever revealed and of course they will try to get you to compromise on the amount of money you are claiming. We would strenuously suggest that you don't give up a single penny. Do the reading that I have suggested, find the details of the contract which I have told you about which accepts direct liability to you, the customer – and post it here.
    • If there is no reply to the "nasty" mail in 48 hours, then please come back here and we can assess what to do.
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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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Cap1 & CCA return


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I am aware of this Peter, but my contention is that when you have told them the informaiton is held unlawfully or is incirrect, I don't see that it is sufficient for the CRA to say, "well the original creditor says it's right, so i is" they should at that point have to obtian evidence to make sure that they are holding true and acurate data as per the requirements of the DPA - and they are, afterall Data Controllers.

 

Don't forget that these same lenders that they have to have permission from are the ones that pay them obscene amounts of money to use!!

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ok, that's great, I will keep it in mind, thanks!!

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But The CRAs are Data Controllers in their own right Peter, so they have all the same responsibilties that the "orginal" data controllers have too!

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I agree and understand Peter but I am currently putting together an argument for the CRAs to test this theory - I think they are jsut selling out, hoping that we will challenge the original lenders so that if they tell the CRAs to remove the data then the CRA hasnt breached their contract.

 

I think it's about time the CRAs finally accepted responsibility for the information the hold.

 

I will let you know how this turns out if you like?

 

I wuold be interested to see your diagram TT!!

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So, is there provision in the CCA for lenders to not lend extortionately?

 

Is this being tested at the moment?

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Cheers guys- I'll check it all over later when I've got more time.

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going off the subject a little bit, does the lender have to supply a copy of the terms and confitions to satisfy a 77-79 request?

 

Or is it only the agrrement?

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Thansk terminator -s o in the cases where I have been sent an agreement but no sniff of the T&C's, then they have failed to comply with my sec 77-79 request?!

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Thanks so much guys!!!

 

All I have been sent is agreements which mention the terms but I don't have a copy of any of them!!!

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Uniboy, The copy of the T&Cs you want is the one that was in force when you signed the agreement, not the current ones.

 

Oh my, Oh my - I have not been sent ANY terms and conditions for any of them!!!

 

That means that all the ones I thought hadn't defaulted have!!!

 

And their letter said, we look forward to receiving your payments!!

 

the cheeky a-holes!!

 

Oh my god.....

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Well I must say, 2007 is going to be a very interesting year for my lenders - I best get writing, eh?

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Hehe, well keep us posted!

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Thnks loads guys.....I thouhgt the agreement was sufficient, and seeing as I'm on a day off today looks IKE I'm gonna spend it writing letters - I'll send them all today, hehe!

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Thanks for all ur help guys - I have one morequestion.

 

What how does the CCA request affect a claim for unlawful charges? Should you do the charges first and then the CCA request, or do you think you could negotiate a settlement of the cahrges plus a bit more instead of reporting them?

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Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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In reclaiming charges, you are not trying to enforce the agreement, but rather reclaim money that was unlawfully taken from you. Thus whether or not the agreement remains enforceable is irrelevant. Of course, you may want to push as hard as possible to ensure that you are paid, and not merely get it offset against the debt (after all, you go from having a debt that they can't chase you for, to having a smaller debt that they can't chase you for, thus you gain nothing).

 

Good point, thanks meagain!

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Interesting points - could ur POC not be used as evidence though?

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Again good point, but if the cahrges are unlawful the that is money that they shouldnt have taken

 

so it would make more sense to get the cahrges back first and get back the dosh you werent meant to pay

 

and then go for getting the agreement

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Thanks Number 6 - very informative.

 

That bit on page is ambiguous and worry, if it does mean that!

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I would agree with your statement Tam as it would be difficult for you to confirm if they are the original ones or not. And doesn't it say somewhere in the act that all docs have to be legible?

 

Or is that the DPA?

 

PS is this an agreement you have received as part of a CCA request?

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Yes Un1 it is :D

 

I'm writing to tell them it doesnt comply with the requirements of my request :)

 

Yay, looks like I am finally beginning to understand some of this!! With your help guys, so thanks loads! :D :D

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Hi,

Received an almost completely illegible copy of an application form from my CC company yesterday (6 days after end of timescale). The letter was dated 4/1, which was still within the timescale, but the postmark on the envelope says 10/1 (wonder if they backdated it cheeky sods). It seems just to be an application form as the info on it is limited - nothing as far as I can see about a credit limit or account number. They have included a copy of the T&Cs which seem to be from that time (charges are at higher rate).

I had written to them at the end of the 14 days + 1 calender month to say they hadn't complied & was witholding payment, but got a call last night demanding immediate payment of the minimum monthly payment + enough to get me back within credit limit (their charges took me over limit). I was forced to tell them why I wasn't going to make payment - ie why the account's in dispute. Hope this doesn't affect anything.

Am planning on writing to them to tell them they still haven't complied, but can anyone remind me of who to complain & under what legislation/law they can't harrass me over the phone about this? Don't want to be receiving constant phone calls as I'm generally out all day & my partner (who works from home) has to field all my calls.

 

Also, when I first got the card, they sent the statements etc to my parent's address. Having looked at the form, 'Student Application', it has 2 sections for addresses - term address & parent's/guardian's address. I wasn't returning to my parent's out of term time, so wasn't receiving statements & was being charged for late payments etc. Just wondering if this was in fact a blunder on their part or if it's standard procedure on their student cards? Or can I still make a complaint about this?

 

Cheers all

 

Hi Acerfan, I believe (but may not be correct) that the harassment act is here, they may be something in their: Protection from Harassment Act 1997

 

I thought the other one was Communications Act 2003 But again, I think I'm wrong. You coudl try to read through.

 

I'm sorry i can't be more helpful at this stage- I'm sure someone else will correct me though!

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Well done Smoothy!!

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Great, so I was in the right area then?!

 

Thanks Term!

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The letter states....."To be an executed agreement, it would have had to have been signed originally and contain all the terms of the agreement"

 

S61(1) states:

 

 

 

ergo combining the letter and S61 clearly shows that any application form that is not signed by both parties CANNOT be an agreement.

 

 

 

Again from the above, an application form and a SEPERATE copy of the T&C's cannot be a valid agreement either.

 

"... it would have had to have been signed originally and contain all the terms of the agreement"

 

And finally "...Prior to the CCA 2006, the section also provided that the Court could not make an enforcement order under section 65(1) if section 61(1) was not fully complied with"

 

So add up all the above and whichever way you cut it an application form + a seperate copy of the T&C's cannot be an agreement - if the T&C's are not contained within the same document as you signed how can anyone prove that you saw and read them before signing??

 

Pete

 

Good post thank you.

 

I see wxactly where you're coming from!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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