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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 81 replies
    • 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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Maria V A&L


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Hey all!

 

Just thought I'd post on here as I have sent my first letter to A&L today. They have managed to charge me £170 in 2 months?!

 

Has anyone else noticed that if you go overdrawn they actually charge you £50? My statements says Day 2 overdrawn - £25 and then day 5 overdrawn £25, whats all that about?

 

The only reason I changed to this account from Natwest is that they were offering a promotion and I got £50 - they managed to get that back!

 

This seems to be the bank that puts up more of a fight!

 

m x

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Just goes to show that you should always read the small print and not get taken in by the special offers!

Hi, Maria, welcome.

Yes, we are all aware of being charged twice if we stay in the red for more than 2 days.

I don't know about them putting up more of a fight, but they certainly don't make things easy.

You also need to be aware that A&L WILL close your account if you take them to court. So make sure you get a parachute account opened, ASAP.

Keep us posted. :cool:

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If they are 'defaults' and were basically caused by their charges in the first place, I think you have grounds to ask for their removal as part of the package.

You should find something on this in the FAQs. I know there is reference to default removal on the letter(s) in the template library. :cool:

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Hello all!!

Got a reply from A&L saying the following:

 

'Dear Miss X

 

Thank you for contacting us regarding your account.

 

I have noted your comments that you velieve the charges have been raised on your account to be unfair, please be assured our charges are reasonable and competitive with the charges made by othe financial organisations.

 

The Office of Fair Trading (OFT) has commented that they consider the level of late payment charges to be unfair, however, they were actually referring to late payment fees for credit card payments, which are quite distinct from a bank's charges on current accounts.

 

As yet, the OFT have not entered into any discussions with the banking industry regarding current accounts. However, should that position change in the future, then A&L will participate as appropriate.

 

Given the above, I cannot acceot you have been unfairly charged as you suggest. I regret, therefore, that I am unable to agree to your rquest for a refund of charges on this occasion.

 

I am sorry if you are disappointed with my response, but as the charges have been raised correctly in line with the terms and conditions of your account, they must stand.

 

Yours Sincerely

 

PP 'Someones computer generated signature'

 

M Parker

Customer Services

 

 

 

 

So thats the reply?! Whats next people? Also, while I am doing this I am not in my overdraft but I can imagine them adding all sorts of charges to my account - I'm sure they will try to think of another charge to get me with.

 

Glad for any advice offered??

 

cheers

 

m x

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Oh! I am claiming £170 from A&L - is this too little an amount for all the things that we have to go through? I've noticed people are claiming thousands so I feel my case is small fry compared to everyone else's

 

m x

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£170 is a lot to me. Go for it.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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