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    • Lolerz - I don't understand you.  Rebuked you?   No. I simply replied to your orange comments with legal facts as I know them.  I've already worked through the s42 and s146 issues - over the last 3-4y - and these issues are (mostly) resolved legally.  In terms of posting evidence.  Sure I can post some.  But my most recent questions have been a) how can I enforce a sale before trial?  And b) how can I make a complaint and/or a claim v receiver? (E.g. to which body do I complain?).  At the mo I'm asking for some helpful pointers on those specific questions??  I'm not asking for help with how to prove or present evidence. Fwiw - all evidence for trial has been disclosed (although additions are poss). The lender sent me like 10,000 emails and docs.  There's also 000s of emails, docs, photos, videos, recordings and texts that relate to freeholders/ me.   I read, filed and categorised everything for ease of future reference.  Witness statements and evidence were prepared for trial in the 42 and 146 matters. (now joined with current claim to save duplication).  I've lived the process before.  My current statement and linked evidence has taken like 6 months to draft/ write - to ensure I can succinctly prove my defence and counterclaim points.   Whether I can convince a judge at trial w/o lawyer / barrister is debatable 🙄   But I've prepared.  And continue to try better prepare - which is why I visit this site (and clinics).  This is NOT my business or expertise at all.  I'm just trying.  Not that anyone should ever have to justify why they need help if they ask politely! 
    • Thanks for the other info will also take a look at that.
    • It doesn't use the word reconstructed in the cover letter.  Although, I have just noticed on the cover letter they have asked me to complete a financial statement and offer a repayment within the next 10 days, or they will continue to follow court directions.  They sent a separate letter on the same day advising me they will be continuing with their claim ?  They have done the same for both claims.  Is it worth just doing that - doing the financial breakdown and offering a x amount.    
    • hahah except I can't locate the courier to frighten them with it hahaha   
    • Dx100uk according to the ICO office, who I spoke to at some length earlier today after getting the email from the court, Equita are the data controller if they have instructed the contracted EA. The ICO have noted the case, and stated very clearly that the court has the higher standing in terms of dealing with, and punishing either party if they fail to adhere to the district judges order and any action they take will not be criminal.    but they also stated very clearly that with what I’ve told them, and on the basis of accepting what I’ve told them as gospel (which it is with written confirmation from both the courts and the police) then there is some major red flags being raised on both sides with them blaming each other.    they’ve advised me to essentially keep my powder dry until there is a charging decision and an outcome from the seperate proceedings with the EAC2 complaint, and then come back to them with the case and they will be in a stronger position to act against Equita and the EA as there will be established facts and evidence that have already been laid before a court.     
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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.

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    • 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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egg Sar reply


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Just received a reply regarding my SAR requrst from egg card(barclays).

 

It seems i have lots of paperwork which includes statements and computer data stating all correspondence between myself and egg.

 

There does not seems to be any info regarding me sighing up for the eggs card.

 

Seems egg are playing silly games to delay giving info.

 

What's the best step to take?

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If you are looking for the credit agreement that is not a requirement under a SAR.

 

The ICO guidance is that it would be good practice to supply but as I say, there is no requirement.

 

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Standard procedure then....fos questionnaire and spreadsheet of claim together with a brief covering letter to the lender.

 

Spreadsheets are here

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011(1-Viewing)-nbsp

 

Fos questionnaire is available from the fos website

 

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After looking at the paperwork sent to me by EGG (Barclays) I've decided to send a letter to them claiming back the PPI I've paid.

Te paper work shows different Monthly payment figures for PPI.

If i add up the total money paid and add interest would that be correct, or is there another way to do it.

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Have you got All of your statements for the account?

 

It isn't as easy as you suggest....it depends what information you have i.e. copy statements OR have you got the transaction history instead?

 

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I received all my statements which include the PPI payment amounts and i've put them into yearly bundles.

Am i right in saying interest should be calculated up to the date i apply.

And i should take each year separately when calculating the interest.

What rate should i use for interest.

Thanks for help

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If you have all statements then you should use this spreadsheet.

 

As the interest rate is likely to have changed over the years use an average of the rate they were charging you.

 

Read the notes tab in the spreadsheet.

 

Is the account still live or has it been closed and paid off?

 

 

FosRunningPPI v102.xls

 

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Ok so complete the above spreadsheet.

 

You will then be able to work out the difference between the card balance which was paid off and the reconstructed balance. Pop that figure into this spreadsheet with the "Claim To" date set as today and that will work out the 8% interest from the date of account closure to today's date.

 

StatIntSheet v101.xls

 

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I've filled in the FOS running PPI form and have figures in the Award calculations section.

where do i out these figures in the StatInsheet.

Date of charge=

Description =

Amount of Charge=

 

And is claim from when i started the egg card.

thanks for help...

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I've filled in the FOS running PPI form and have figures in the Award calculations section.

where do i out these figures in the StatInsheet.

Date of charge= The date the account was closed and paid off

Description = something like "balance overpayment"

Amount of Charge= The difference between the balance that was paid off and the reconstructed balance

 

And is claim from when i started the egg card.

 

"Claim From" date will be the date you closed the account

thanks for help...

 

ims

 

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