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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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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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Got it in one! Nothing sinister guys! We all expect this from Mbna-the most underhand bank in the W. Hemisphere! Again anyone who has CC A s77/78 and SAR DPA .1998 templates- any chance of formarding me copies?

 

They are in the CAG library, the link to which is at the top of every page in green

 

EDIT: I already gave you that here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?345106-Debt-Assignment&p=3792066#post3792066

 

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Got it in one! Nothing sinister guys! We all expect this from Mbna-the most underhand bank in the W. Hemisphere! Again anyone who has CC A s77/78 and SAR DPA .1998 templates- any chance of formarding me copies?

 

I have added links on the thread you first requested them.

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D. Dont know how to start one!M

 

You already have a thread running actually. To start a thread on this forum, use the back arrow to move out of this thread. Scroll up the screen a bit and on the left hand side, you'll see a blue 'button' that says Post New Thread in white. Choose a title and tell us your story. :)

 

My best, HB

Illegitimi non carborundum

 

 

 

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A s.77/78 reqesut is a specific request under the CCA - the creditor has to supply this information by law - if they fail to comply then they are unable to enforce the agreement in court.

 

An SAR is a request under the DPA - they have to supply you with ALL the information they hold on you. This will include application forms - correspondence - PPI etc. Can be helpful to see what turns up.

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Send for both.

 

Some Couts will accept a recon - does not mean that they are going to send you one though.

 

Request one and don't pre-judge what will arrive - it may not be compliant.

 

The alternative is to do nothing.

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I was thinking of sending a complaint to the OFT about the way Mbna rang me at evenings and weekends and forced me to increase my payments in mid 2010 from £10 to £28 pm-even though i was on state benefits -and the way i was threatened with "repossession'. and aggresive debt recovery practices! When i said i didnt have any assets she asked if i could borrow money from family-friends and relatives to make a payment or settlement! Is this legal?-

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Hi D. What are the typ penalties for these breaches! They also rang me circa 2005-07 using a Mumbai based collection agent from India-esp. at weekends and evenings and put the phone down/wouldnt speak if my partner answered the phone-this really distressed us both-obviously why they did it! At least 20 calls and three letters later they suddenly stopped when I complained to Mbna and threatened legal action and report to the police! Surely these were harassment and malicious calls! Can I still complain to the OFT about this-presumably to their complaints manager

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Yes you can complain about all of their actions to the OFT.

 

The OFT can ultimatley revoke their Consumer Credit Licence - but will only do so if there is a weight of complaints. They do not deal with complaints on an individual basis - but it is important that you add to any they already have.

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