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    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
    • DX, worth mentioning? I take it that you refer to after ,65 loan is written off clause. I thought that after the problems I had at deferment (/no proof of income satisfied them, and I could not afford an accountant) after they stopped pestering that they had decided that the age related clause  had kicked in. As I said, its time to hit back with SB letter.
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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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O2 Billing Problem


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Hi All,

 

Earlier this week, I received a letter from a debt collection company called Wescot Credit Services, claiming that they were owed £42.34, on behalf of O2. I have both my home broadband and mobile phone through O2, so I contacted them to see if there was any outstanding balance on either account, but they confirmed that both were up to date.

 

After contacting Wescot, and a bit more digging about, it seems this balance is in relation to a contract that was cancelled in 2006. I was told by a customer services rep at O2 that the account had never been 'properly' cancelled, and that they had been taking £21 per month from my bank account ever since, up until August 2012. When their attempt to claim money in September 2012 failed, they cancelled the contract and referred it to a debt collection agency to claim.

 

Looking back through some old bank statements, they had been taking money from the account every month. I will be the first to admit that I should have noticed the discrepancy, but as payments already go out to O2, it never seemed out of place. When I cancelled the contract in 2006, I received a letter confirming that it had been cancelled, but that has long since fallen victim to a house move.

 

A manager at O2 has told me that they will cancel the £42.34 balance and cancel the account, but that if I don't have the letter (of which they obviously don't have a copy), they won't refund any of the £1500 or so that they have taken since it was cancelled. As there has been no activity at all, nor contact with myself, it seems baffling that they're still trying to claim that this is a legitimate contract.

 

Any ideas if there's anything I can do? O2 are trying to wash their hands of it, and they won't even confirm in writing that the debt management company will stop pursuing me. I appreciate that I should have noticed the money leaving my account and raised the issue sooner, but I don't really feel as though they should just get away with it...

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O2 should have a copy of the letter? ask them for it.

do an SAR request to them, cost £10 po, which you have to send at the time. they must foward everything they have aboy you including the cancellation letter.

once you have that you can claim your money back.

Good luck.

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Hi,

 

Thanks for the replies. The contract is for a mobile phone, rather than home phone/broadband. They're still claiming that they have provided the service for the six years, despite there being no activity on the account, or contact from me.

 

As for the cancellation letter, they're saying that they never sent me one, so it's difficult to prove that it was cancelled without my hard copy of the letter...

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SAR then - if they sent you a letter they should still have a copy, or at least a record of having sent it

 

My previous comment was very tongue in cheek - I can well believe any company charging for something that they haven't supplied and then try to keep the money!

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