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    • Hi,  Could you confirm what happened at the end of all this , as I have just had the same issue, I brought an iPhone 15 and it turned out to be fake, and after the Argos investigation they do not believe this can happen from their side
    • Sorry @dx100uk if I was unclear, I cannot see if something shows on Experian as a matter of fact because I'm not paying the Experian service, I'm only seeing my score, no granular details, thats it. and as mentioned previously, to get a credit statutory report is a whole palava if you are abroad, I'm not even sure that experian would do it and I looked at Equifax, they ask too much details and proof for my liking to have a credit report sent abroad Putting that aside and considering I cannot know who owns my debt currently (and you seem to say that the fact I received a first nice email from the DCA, they could already own my debt), you sem to suggest to not do anything at all and forget  If there was a court claim in the process already, would not I receive an email or is it only by surface mail that court claim are served ?  Thanks again
    • No, this is her own account. Nothing to do with mine. In the background to your debt it is listed as "an agreement with PayPal Europe Sarl & Cie SCA" on the 1st page of the letter from Overdales it states that their client is Lowell Portfolio
    • ive just merged an older thread but i see that was you? as this recent PAPLOC is for your wife? did your wife get PP credit as well or is this the same A/C? as for any PAPLOC reply to lowells. hit letter of claim follow post 2 dx  
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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. 

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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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I have some PPI claims going on, two of which are for Barclaycards. One was cleared and closed, but the other is within my DMP. My question is will they use any money awarded on the closed account to offset against the one in my DMP?



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search this forum for posts about the right of appropriation and read the guide

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That's crap then :(. I'm using a company as well, but they only charge 15%. So I will be left with the fee. Not ideal.


Yes, yes I know I should have done it all myself, but quite frankly I just don't have the time.


Another question, another of the claims is Morgan Stanley. This account is also closed. I hear that Barclays now own MS, so will they con me out of that award (if any) as well.


At least the last one, Bank of Scotland, also closed should be mine to keep... they have confirmed they are investigating but that it can take up to 12 weeks.

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