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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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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.

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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.
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      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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payday loan taken out 2 years ago, now capital credit management/Lasker International taking my money


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Call them back and get that conversation sent to you by email.

 

Santander are almost as bad as the PDL's for denying something was ever said on the phone.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I should have done that.

 

Cannot call back now to lunchtime at work and took a sneak out there when had to go do banking for the office.

 

I will be checking the bank all day in hope more than anything else. Im still not convinced they will stand by their word.

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Very happy to report all has now been refunded. Thankfully.

 

The bank may still well take them back when they have completed their investigations i dont know but i will cross that bridge if and when i come to it. For now im happy.

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Honestley i would consider moving to another bank due to the treatment you have recieved. I would also issue santander a full complaint, as well as copy in the regulatory authorities and maybe the BBC.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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I am going to write a letter of complaint as to be honest i didnt feel it was handled correctly.

 

It is almost a week now since i told them the transactions were fraudulent and the minute i told them that they should have sorted it. I shouldnt have had to phone them several times. I will also presumably be charged £5 per day for my account being overdrawn.

 

If they dare try to take them charges i will be on to them again.

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If you are charged any overdraft fee's due to their incompetence, write to them and demand they are removed. If they fail to do so, then get the FOS and FSA involved.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Very happy to report all has now been refunded. Thankfully.

 

The bank may still well take them back when they have completed their investigations i dont know but i will cross that bridge if and when i come to it. For now im happy.

 

They shouldnt as they are fraudelant transactions

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They have given me a reference number at santander and said it will be back in within 48 hours - the first person i spoke to was 15 days etc.

 

What I don't understand is why did the complaints department say it was going back in if it wasn't and didnt even log the complaint !!!!

 

48 hours .... We will c

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It should be in by now if mine is as they both happened at same time. The 48 hours is up today.

 

Keep at them if it isnt in by close of business today.

 

They said 48 hours from now it appears all my other calls - about 20 of them were not logged even when i spoke to security last wednesday because they have only just logged complaint !!!!!! Frustrating to say the least

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Thats disgraceful. Honestly get back on to them and let them know you made them aware of this 6 days ago.

 

It is not good enough

 

Will wait til the morning ... Fingers crossed the money will go back in - will keep u informed though

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Thanks for that i know totally how you feel as we have both had this nightmare together.

 

Hopefully all will work out and we will have to keep a good eye on our accounts from now on to make sure they dont try to re set up direct debit details.

 

I will pay my account to capital in £10 per month standing orders. I certainly will not be allowing them my account details again

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I have their account details if you wish to set up a standing order. U just need your own reference for them and set up your own standing order that way they have no access to your account.

 

I can give them to you if you want

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Glad for you both, however irishgirl, unless you need your funds in your account to pay bills, I'd think about withdrawing them. Santander are utterly useless (and worryingly I'm with rbs... So guess who my account is being moved to. Should be interesting if they try and screw up my account).

 

And don't forget about ccm, because what they did borders on theft. Which isn't all too surprising, but nevertheless disgraceful.

 

Still, at least you both got your refunds :)

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To be fair i havent had any other problems with santander prior to this and they have now returned my money.

 

From what i have read on forums we would all be better off keeping our money under a pillow where only we have access to it.

 

Certainly wont be forgetting ccm though and im sure seeing as i have cancelled my direct debit that they wont be forgetting me either. But the offer to repay any debt is there but i am to be in control of it :-)

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You need to write to the creditor and revoke their permission to use the DD. If you cancel it on your end without telling them, then they can simply reinstate it, unless you have explicitly told your bank to block ALL forms of payment to them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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