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    • Hello, welcome to CAG. I've moved your thread to our shoplifting forum for advice on this. I've also edited the title a bit, please let me know if I've misunderstood what you meant. Best, HB
    • I received a letter this morning from advantis acting on behalf of HMRC for a tax credit overpayment.. I am going to call them on Monday to set up a payment plan but am worried sick it’s going to show up on my credit file.. does anyone know if it will show now that hmrc are using them? 
    • I'm going to check the measurement units today as I feel this could well be happening otherwise I can't understand how the bill can be so high even when nobody there living sometimes. 
    • Totally stupid mistake struggling with money with 2 young kids no excuses so I won't bother justifying  just feeling deep regret and absolute fear for what happens next. Sincere moments of madness opportunistic and absolutely stupid Caught shoplifting from sainburies by and shop lifting plain clothed detective (penut butter almond milk chia seeds and nuts ) I only took 3 to 4 items from sainbries listed above  First time I did it In saisburies i have never done it before   Was given a letter banning me took details but no photo taken  I also had on me food items from mns that the store detianed at the same time as they wouldn't let me leave without showing a receipt as they said I would have stole those too (they werent wrong) . I have been to mns a few times in the last month and done a similar thing always general food shop  So I left the sainbries store when he let me go and left all the goods there mns.and sainsburies and did not return.  M&s and sainsbries are on the same high street   Questions  Was not caught by m&s will sainsburies share my info and will m&s be in touch? Presume they can check cctv of the time sainsburies detained me and probably find it  No police called when at sainburies  Scared that mns will also ban me after the event  or worse check cctv and have my details and pass to police to investigate  I am mortified at what I've done the detective did not mention anything about further letters / police or anything more other than taking my details and giving me a banning letter  My fear is they have told MNS and now MNS will investigate aswell they may have their own footage etc...and go further than sainsburies did at that time  Mns goods was fruit veg chicken cheese basically all food items  Advise please what could I be facing 😭
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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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Quick 6 Year Query


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Is it 6 years from the date you serve the court papers or from initial calim. Personally I am starting my claim from Feb 00 running until sep 95 when I closed my account. Can I use these dates or do I need to go from Sep 00 as that would be 6 years back from now. Cheers peeps :confused:

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Thanks for that got a bit confused there as I have just got an agreement out of MBNA for six years. Thanks for keeping me straight!! But one other but ... I live in scotland now but the accounts were opened and held in england as thats where I was living when the charges started occuring so albeit I now live up here and was when the latter charges occured can I still go back 6 years??

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Thanks again for the reply Bookworm, going to go with an N1 I think, based on a a couple of other threads on here. As the accounts were opened in england, albeit we now live in Scotland and that LLoyds TSB main head office is in England, I know they have a big office in Scotland too but the basis of the accounts in England I hope will swing it. Thanks for your help tho!!

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Just thought i would let you know that i recently wrote to royal bank of scotland re a business account that had been closed since february 2001. However I chanced my luck and asked for charges to be refunded from August 2000 until the account was closed in feb 2001 (ie 6 years ago). Got reply two weeks later offering me approx 60% which i replied that if we met half way (ie approx 80%) i would accept their offer just to get quick settlement. That was last week so am just waiting for their reply now.

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My difficulty witrh MNBA is that the Credit Card was cancelled in 2000 and the dispute rumbled on. I had moved to Ireland (through work) but they took me to court in Scotland, and the first time I knew of the pending action was AFTER the Return Date,. I went to a solicitor who advised I could seek a 'Reponing Note' but the costs for this were horrific, so effectively they won - ther there wasn't much I could do.

 

Now that they and companies like them are on the back-foot so to speak, I want my pound of flesh, and have sent them a SAR. There IS the possibility that they'll attempt to use the dates to time-bar my efforts, however since I've been the subject of court action and been forced to pay what is effectively a coerced payment of illegal charges, that is still within the time-period, so I may have to use this tack. Anyone in a similar situation or come across this before?

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