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    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a p**s  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat ingrove of piston.
    • I Received a writ today from the sherif court there is form form 07 if intention to defend the solicitors are shoosmiths llp for Lowell portfolio    thanks please let me know your thoughts also much appreciated 
    • Ok. Thanks.  I will put my head to this now.
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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.

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    • 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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CABOT and True Copy agreements - Help and Advise needed


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Hi can anyone help me out with this.

I had a credit card with Associates around 1999, it was then transferred to Citi. I remember asking citi for the CCA but they couldn't come up with it, I stopped paying and the account was terminated. I was contacted by several DCAs who i got rid off by asking for the CCA.

Now out of the blue Cabot have been in touch with 'true copies of the agreements' for both Associates and Citi.

None of the agreements have the credit limit at the time and the one for Citi doesn't have my address at the time when it was transferred from Associates to Citi, it has a later address. The agreements mention interest rates although there's no way of confirming if they were the actual rates being charged. None of the agreements have my signature or the creditors signature. On top of this my credit file has been altered and now shows me as having a credit card with Cabot since around 1999!!!

I am going to SAR Citi for starters....what else do you think I should do?

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I wouldn't do anything!! Why spend a tenner?

 

The details they have sent may or may not satisfy your request under section 78.... But what is the relevance of that? It just means they can still chase the debt.... which they will do anyway!

 

To enforce the debt in court, they need to satisfy section 61, as per Carey summary 108, that means an actual copy of the original.

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Why TDK as Alloyz states unless they try to enforce it why poke the bear? Save your money.

 

Andy

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They will say to satisfy 78 they only need to produce a true copy.... And they are correct

 

But to enforce it in court, they will need to satisfy 61....

 

Ask if they have the original or a copy of the actual original.... If they don't/ won't tell you, ask them under the CPR regulations.... They are not allowed to lie and their answers can be used in court!

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