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    • My autistic son brought a van from a private seller. ( there was 5 other cars on his drive and another van, plus loads of machanic tools in his hallway,  so he probably is a unofficial dealer).  He gave the van a once over, he checked for any warning lights that might be on, there was none. He checked underneath for any rust etc, it all looked fine. The body was rough, but you'd expect that for the age of the van.  He got his brothers machanic to give it a pre mot check, as the van was old so he expected it to have a few problems. The van is a deathtrap, the seller had blacked out all the warning lights that were on the dash,  and I mean all.  He had also painted some kind of black stuff on the underside, to hide all the damage there.   My son drove it for over 2 hours to get it home. The machanic said he's surprised my son is still alive. Iv asked the seller for a refund and for him to have the van back, but he is refusing. Is there anything we can do.
    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
    • Pasco has recalled 104,000 packs of sliced bread after rat remains were found in at least two packs.View the full article
    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
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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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Thanks again Mikey! this is kind of what I thought! I have a SAR to write and 2 Final responses, one dealing with an engineered default by MBNA set in motion in 2009-3 years in the making and the incorrect PPI charges refund! A busy time! reading up on Notices of Variation and Reg 7 of the CCA Regs 1983 due to MBNA changing my contract terms and conditions unfairly in mid 2010, The new contracts core term being based on the deliberate extortion and misappropriation of even more of my JSA benefits, even the debt management plan girl from MBNA openly acknowledged how grossly unfair this was but also indicated that she was also acting under significant and undue pressure from mbna to push tha agreement through. All of this compounded because of the way they sent payments to the wrong bank accounts, then sneakily and unfairly applied 2 defaults to my accounts, then had to refund them and remove the defaults from my bank accounts( Santander Bank Error), then harassed me from India night n day through Aegis Ltd based in MUMBAI (eg sending my data to an non EEC.EU country/ DCA without my permission) I dont even know if they had an extant CC License to collect debt in the UK !

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Hi M, again it was 1 straight from the cag library, i'm not the hottest with i'm afraid but its in there I just printed the lot of and then type em up from the print offs probably not the smartest of ways but it works for me, muat be a night mare working just from your mobile.

miket

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time of call logged as 10.05am and telephohe notes taken. Hi again DH! The CCA must have worked I have just had a harassing phone call from Arden Credit Management.I refuised to go through Security! I politely but firmly and fairly told him "No I am not going through security, I have just filed a S77.8 request with you on Monday" his answer was "..We do need to have a conversatiion!" & I replied "Again! The answer is No! contact me in writing only please !" he sheepishly said "okay" and I ended the call! any advise from the Site Team and Dadofholly greatly appreciated! M

Edited by Michelangelo48
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If I had put the FOS on notice and I had initiated a complaint with them in early March, 2 days after the account had been sold to Idem Servicing and the week before the account was actually transferred to Idem in the second week of March, was the "Account In Dispute" at this stage!

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arden have sent one balance of one account to my CAB representative, the pther alleged balance and demand for payment has been sent to me! is this divide and conquer! should Arden be contacting me in writing when I have appointed a CAB represenative to act on my behalf!

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Arden have sent one balance of one account to my CAB representative last week, the other alleged balance and demand for payment has been sent to me! is this divide and conquer! should Arden be contacting me in writing when I have appointed a CAB represenative to act on my behalf!

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Depends on what the CAB advisor asked for in their letter.

 

As for the account being in dispute - it can only lawfully put in dispute if they fail to comply with the CCA request once the timescale to reply has expired - and they can still comply at any time after that - but i don't think they will.

 

There are other reasons for disputing the debt - such as it's not your debt - the debt has been settled - the debt is made up only of charges or ppi etc. But other than that you have no grounds to dispute the actual debt.

 

You may, however, be able to dispute Idems right to collect, if there has been no notice of assignment - or the assignment was made at a time the buyer had no CCL etc.

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Hi again DH I am completing a SAR to MBNA for my 2 accounts! The cag letter seems to suggest that one £10 fee can cover 2 accounts eg a 10 pound max fee! Is this the case! is the .Ezsias v Welsh Ministers case 65 or 68 (Dec)

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Hi m, as far as i'm aware the SAR is for every thing they have on you no matter how many accounts so yes 1 request and1 £10.00 fee DH will put you right if thats the wrong info , as for the phone calls just wait the 12 plus 2 days and then dispute and watch ARDEN'S attitude change phone calls stop letters stop and you just wait whiole they try to sort out an enforceable CCA you must be half way to your 12 days now.

mikey.

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Mikey is correct - the cost of the SAR is £10 for all information they hold you - no matter how many accounts you have had with them. Also put in the SAR that you would like to know - to who, and when the account was sold.

 

Have you not already sent an SAR to MBNA? If not who was it you sent the SAR to?

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Thanks M! Did they ring you at all during their 14 day period? 4 harassing calls! calls today now have adv Arden not yet heard of CPUTR Regs 2008, MCA 1998, PHA 1997 and Communiation Act 2003! Hi Dadofholly is it safe to assume that one Sar and 10 pound fee covers getting all the data they hold on me! M

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They've only phoned me a few times in all, but I sent Door step letter same day as CCA letter door step letter makes clear communication in writing only, I also don't think they were sure they had my num its ex directory and all though they have my mobile I never answered the calls which means they can't be sure its my number ( thats my logic any way)

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HiAgain D! does the phone call letter need to be recorded delivery! m Arent they prohibited from caling me when I have submitted a s77.8 CCA Reqt and enforcement has to stop prior to them producing the Original Agreement! Is it too early to send the doorstep letter! m.

Edited by Michelangelo48
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No they don't have to stop untill the time has run out to comply - and you have sent the account in dispute letter. Don't think you need to send the doorstep letter but won't hurt to.

 

No need to send recorded - just send at a post office and ask for proof of posting. No need to do any more - just wait for CCA response.

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Hi D, thanks again 4 calls yesterday from Arden! Another 2 calls today at 8.30 am and 8.45am-withheld number and then message to phone Arden on 0800XXX.. And our offices are open to 9pm this evening! did not answer them. All times days and dates of course any message content logged with Telephone Attendance notes_All logged I was an enforcement officer in a past life! Do I send the telephone Harassment letter on Monday? My partner, who is on Incapacity Benefit is that distressed I will have to take her out somewhere! This will all form part of my complaint to FOS! CCA Sent 14th May 2012 so is 14 working days 30th May 2012, M

Edited by Michelangelo48
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