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    • Irrelevant if its not in their particulars. Look the crux of the defence is that you are being billed for energy (most probably daily Standing Charge amount) after the previous owner left. So you want proof and dates from the claimant that pin points this debt was incurred by yourself after you took residence. Now we can throw in the the standard legal jargon that puts them to proof. The claimant is an assignee who bought the debt for pence from SSE/OVO they haven't a clue how it was incurred or by who and possibly wont have any paperwork to back up their pleadings. What did did you take residence...what dates are on the charge from when and to ?
    • Notify them of your new address when you move yes.  You should do this with all your creditors and twice with the DVLA (once for licence, other for car V5C) Limitation period is 6 years for private cases.  Don't worry about a CCJ. They're a punishment from the court. For that you'd have to: Get a letter of Claim. Ignore that and get a formal claimform. Either not defend, not meet directions or go to a court hearing and lose (highly unlikely when following the advice here) Get judgement awarded against you Ignore this and not pay in full within 30 days. Only once all that has happened is a CCJ registered against you.  
    • Yes, you should tell them by snail mail if you move, just don't give them your email address. I think they have six years to pursue this, hopefully they won't. HB
    • Ok, thanks for this and noted. I am moving house in a couple of months - should I notify them of this? Is there a limitation period? I've never had bad credit and a CCJ could jeopardise my job for being a moral hazard.
    • It's attached... what do you need to see? Parking Ticket.pdf
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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 
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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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You need to get that effusion to the OFT pronto, there is no way you would loose a debit card if you were in debt, they are right about being refused credit but saying you will loose the right to access this til April 2018 is a load of bull...

 

Why aren't you complaining to the OFT/Trading Standards and contacting MP Stella Creasy?

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im going to be doing it tonight when i get in from work.

 

i'm also disputing that balance obviously as its over double the original loan amount of £300 i suppose its however worth taking that up now with the collection agency when they get in touch. believe its going to be fredrickson.

 

tbh i thought it would be 6 yrs till i could access any credit again against my name. can i email oft/trading standards or is it in writing only?

 

thanks sillygirl

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My loan amount was originally 353pounds this has now increased to 692.50 at almost a 200% profit.

 

Can you please what charges exactly have been applied to attain this figure? I would like an exact breakdown covering this.

 

Your colleagues have also stated on communication previously that the maximum outstanding balance was for 554 though again i disagree with this balance.

 

This is now the second default notice i have received from your company the first stating 554 and this one below stating almost 700. Your practices seem unfair and you are now holding on o this account while you manipulate the balance to a figure that suits you.

 

I expect a response within a 24 hour period as you have always provided me in the past when emails have been tailored to you receiving your money. I would now like you to justify these figures and charges you have applied to the account as you would be required to justify every charge in court. Please note i have now reported you to the OFT, Trading Standards and a local MP who is investigating companies such as your own.

 

I would also like to be advised of your complaints procedure as i also intend to take this to the financial Ombudsman.

 

I intend to set up a payment plan at a comfortable payment amount that my finances allow for and as advised by citizens advice responsible lenders are required to accept an amount which is within the range of the client - this would be based on repaying the original loan + 1 months interest only.

 

Finally i intend to contact your financial body so i can make light of the charges levied against my account.

 

regards.

 

 

Does that sound ok?

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