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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 
  • Our picks

    • 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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zanna v natwest


zanna
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please read previous thread!!!!

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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TAKE NOTICE that a hearing will take place on

8 February 2007 at 10:00 AM

at ........ county court,.......road,........ surrey (postcode)

when you should attend

20 MINUTES has been allowed for the hearing

Please Note: this case may be released to another judge, possibly at a different court.

 

 

there is no signiture at the end or even saying from the court manager.

sorry for not putting in court details but worried in case bank staff or cobbetts staff may read this and realise i may be weak in court!!!!

which of course i will

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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It looks like it may be a directions hearing.

 

What does it say at the top of the piece of paper, Zanna?

 

westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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at the very top it says NOTICE OF HEARING

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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That's odd. Has it come completely out of the blue? Last thing I saw - you'd just sent in your AQ. I presume that was sent in on time(?). Anything else been flying around?

 

W

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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yes it has come out of the blue i have had no other correspondence.

i will phone the court tomorrow but what shall i do if it is the court date i am not prepared. i have looked at the court bundle info and dont get it !!would you be able to give me some guidance?

IS 20 mins a normal allocation of time for a hearing

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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20 mins is normal for hearing an uncomplicated application. I can't understand why there is nothing on the notice stating why there is to be a hearing.

 

You need to ring the court and find out what it's all about. If it is to be a final hearing you need to make an application to stay the hearing as you don't have time to prepare fully.

  • Haha 1

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Agreed.

 

W

  • Haha 1

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Zanna - I've just been looking back through my own file.

 

Does the notice say "Notice of hearing" or does it say "Notice of hearing an application"

 

I can't see any way that this is a final hearing as 20 minutes is nowhere near long enough. Mine is set with a time estimate of 4 hours.

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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thanks alot for the info i will ring the court in the morning and let you know what happens

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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Please do Zanna - I don't want you to worry but I would like to know what is going on

Advice given is either my experience or my opinion and is given without liability. If in doubt, consult a qualified professional.

If you PM me for advice I will only reply in your own thread

 

Never under estimate your ability. I won over £17,000!

For the full story - look here

http://www.consumeractiongroup.co.uk/forum/NatWest-bank/17630-thecobbettslayer-NatWest.html

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Me too.

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Share on other sites

i rang the court apparantly it is a disposal assessment hearing which means it is how to proceed with the case and that i should go prepared with my documents which i need to put together!!all help gratefully recieved!!

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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please see last thread anyone who thinks they can help or has been in this position

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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has anyone else had a disposal assessment hearing i have been given 6 days to prepare myself my court date is this thursday!!! any help would be gratefully recieved

:o

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

Link to post
Share on other sites

You'll need the basic court bundle, plus your statements, plus relevant correspondence. You'll also need your particulars of claim, spreadsheets, and probably best to take your claim form for reference. You'll need three copies - one for you, one for the defence, and one for the judge.

 

The basic court bundle can be found here

(http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html)

 

Are you expecting small claims or fast track? Are you aware of anything our of the ordinary - have you claimed for an odd interest rate (one that the bank doesn't charge), or anything else that isn't standard?

 

Best wishes

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Share on other sites

hi westy no nothing out of the ordinary apart from the i week notice!!!!!

im really trying not to be thick but the basic court bundl will consist of all documents from the court the solicitors all correspodence my statements list of charges but when i read the court bundle on the zip file i dont understand it it talks about tyres!!!!!whats it all about please help

thanks zanna

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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12.4 Disposal hearings

(1) A disposal hearing is a hearing

(a) which will not normally last longer than 30 minutes, and

(b) at which the court will not normally hear oral evidence.

(2) At a disposal hearing the court may ---

(a) decide the amount payable under or in consequence of the relevant order and give judgment for that amount; or

(b) give directions as to the future conduct of the proceedings.

(3) If the claim has been allocated to the small claims track, or the court decides at the disposal hearing to allocate it to that track, the court may treat the disposal hearing as a final hearing in accordance with Part 27.

(4) Rule 32.6 applies to evidence at a disposal hearing unless the court directs otherwise.

(5) Except where the claim has been allocated to the small claims track, the court will not exercise its power under sub-paragraph (2)(a) unless any written evidence on which the claimant relies has been served on the defendant at least 3 days before the disposal hearing.

 

 

I think this is most likely to be, in effect, a Directions Hearing and therefore as well as your court bundles, you need to take this:

Draft directions order

New strategy for Allocation Questionaires

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hi michael

thanks that has made that part very clear. However when i sent my aq back to the court i attatched the draft order onto it. please dont tell me that was wrong im sure you advised me on that one!!

or do you mean thats what i should refere to in court?

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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Share on other sites

Hi Zanna

Read your thread from start to finish and I am at exactly the same stage but I have 10 days to get mine together. I sent the Draft Order too and am busy getting the bundle together. The only bit I am stuck on is "the statement of evidence" From what I have seen you have done everyhting right.

I think what Michael is saying is you need to get the 4 points covered as per your draft order. I will be watching with interest. Be brave.

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thanks tony fox, im going to study the draft order again and hope ill be able to survive the court ordeal!!!!

good luck to you too you never know we may still get that all important phone call ive heard about!! not my luck though

ill let you know what happens. if you think of anything else i might need to know please let me know

thanks again

zanna

4/07/06 sent letter re data protection act request NatWest

25/07/06 sent 2nd request to alex lyon

1/08/06 recieved statements (NatWest)

4/08/06 sent S.A.R - (Subject Access Request) goldfish recorded delivery

4/08/06 sent SAR capital one recorded delivery

14/09/06 sent request for repayment letter and schedule of claim for charges goldfish

14/09/06 as above to capital one

21/09/06 recieved offer from capital one

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Share on other sites

there are 4 points on the draft order

1 You have to provide your spreadsheet of charges

2 you have to provide your bank statements

3 Statement of evidence - Im stuck on this one

4 Court bundle - print it out as it is

That is my understanding after spending all day reading around the site!!! Im hopefull someone will say if Ive got it wrong and also advise what point 3 is all about. Ive got square eyes now!!!!

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However when i sent my aq back to the court i attatched the draft order onto it. please dont tell me that was wrong im sure you advised me on that one!!

 

That's fine. If you can propose the Draft Order to the judge at least he will know what you're talking about and hopefully he will agree to issuing it.
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