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    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
    • HB - this form and process is as I remember it from handling relatives cases.  It's a timing thing.  Which has passed in terms of my friend
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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
      • 162 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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cancelled credit/loan agreement


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hello. please can someone give me some advice. i took out a loan agreement with a company when i purchased a new TV from currys. I paid my initial deposit payment to the loan company and then currys accidently sent a credit note to the loan company and cleared the balance of the loan with the credit note. The loan company refunded my deposit payment. Now currys are hassling me daily to pay them direct for the TV. Is this right?

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Yes you cannot take a finacial advantage resulting from

a genuine mistake you have the TV and need to pay for it.

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hello. please can someone give me some advice. i took out a loan agreement with a company when i purchased a new TV from currys. I paid my initial deposit payment to the loan company and then currys accidently sent a credit note to the loan company and cleared the balance of the loan with the credit note. The loan company refunded my deposit payment. Now currys are hassling me daily to pay them direct for the TV. Is this right?

Purchasing a TV is giving payment for goods. This is the sticking point

 

understand, but looking at it from a legal point ...... i dont have an agreement with currys. my agreement was with the loan company and currys paid my agreement with a credit note

 

From a legal point of view you have a TV that you took from currys without paying for it. No matter who was at fault, I think a Judge will say you have to pay for it HOWEVER I would also say a Judge would not let you be made any worse off through currys mistake.

 

My attempt at sorting this would go as follows: Whatever the repayments were, I would personally offer this, but make the repayments equate to the retail price without any interest. So if it was a £500 TV and the repayments were £10 per week for 1 year total £520, I would offer £10 per week for 50 weeks totaling the retail price. Offer this in writing and keep to the agreement if they accept. I doubt they could get more from a court, so I think they will accept.

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

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Purchasing a TV is giving payment for goods. This is the sticking point

 

 

 

From a legal point of view you have a TV that you took from currys without paying for it. No matter who was at fault, I think a Judge will say you have to pay for it HOWEVER I would also say a Judge would not let you be made any worse off through currys mistake.

 

My attempt at sorting this would go as follows: Whatever the repayments were, I would personally offer this, but make the repayments equate to the retail price without any interest. So if it was a £500 TV and the repayments were £10 per week for 1 year total £520, I would offer £10 per week for 50 weeks totaling the retail price. Offer this in writing and keep to the agreement if they accept. I doubt they could get more from a court, so I think they will accept.

 

 

Thats good advice ..... my only problem now is I did try and resolve this with currys. They wanted to do another finance agreement, which i accepted but for some strange reason the finance agreement FAILED. Dont see how it failed as only 3 weeks prior it was ACCEPTED by the finance company. Based on this currys are now saying that they either want FULL payment in full or they want the tv back. What would you suggest?

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OK, the reason it will have failed is becayse you just applied for credit 3 weeks before. Applying for credit lowers your credit score.

 

Write to them at their registered address.

 

DSG RETAIL LIMITED

MAYLANDS AVENUE

HEMEL HEMPSTEAD

HERTFORDSHIRE

HP2 7TG

Explain the situation and offer the settlement. The worst they can do is take you to court, and they'll appear pretty stupid, and a judge will only award what you have already offered (full settlement split into installments)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

Or send a cheque or postal order payable to Reclaim the Right Ltd.

to

923 Finchley Road London NW11 7PE

 

 

Click here if you fancy an email address that shows you mean business! (only £6 and that will really help CAG)

 

If you can't donate, please use the Internet Search boxes on the CAG pages - these will generate a small but regular income for the site

 

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You really need to get a copy of your credit history to find out what is showing on the previous loan - it may still be showing, or it may be showing as cancelled.

 

 

i would also say that you are in the stronger position here - there is no reason for you to go chasing round after this - it is the retailers mistake, so they can sort it out.

 

Either they let you pay in installments, or they sort out a loan to match the previous one.

 

They should also be giving you something off for your trouble, especially as they are messing up your credit record with repeated applications.

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  • 4 weeks later...
You really need to get a copy of your credit history to find out what is showing on the previous loan - it may still be showing, or it may be showing as cancelled.

 

 

i would also say that you are in the stronger position here - there is no reason for you to go chasing round after this - it is the retailers mistake, so they can sort it out.

 

Either they let you pay in installments, or they sort out a loan to match the previous one.

 

They should also be giving you something off for your trouble, especially as they are messing up your credit record with repeated applications.

 

DSG (Dixons online, Currys, PC World) have also changed finance provider, they were HFC but I don't know who they use now - EX DSGi employee

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