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    • Good luck with that. Most leases don't even follow the majority of the 2002 regulations (too old) let alone the new one. The £250 cap needs to be placed in the lease through a deed of variation and good luck getting freeholders to agree to that. It's not just some magical thing that just caps it one day. Some freeholders are only reducing them through lease extensions at massive costs (essentially buying out the difference in ground rent) and if you're doing that you might as well extend on a peppercorn anyway.
    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
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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.

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      Many thanks 
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    • 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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Marlin


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It looks like Marlin have been busy buying all sorts of "last chance" debts, either SB or soon to be SB.

 

I got a letter from BC late last week with an NOA for Marlins, all of the details on the NOA pertain to BC incl a BC account number.

 

Funniest thing, I've never ever had a BC acount and had placed my original account in Dispute long before BC bought it (still unfulfilled CCA request)

 

account has been dead for at least five and a half years, will become SB at the back end of the year

 

will await further contact from Marlin with interest

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Welcome to the club Spamhead

 

OH received exactly the same last week (along with several others I notice) from Marlins, yesterday the phone calls started ( we were out :) ), dont know how they got our number, we're exdirectory - all the time Egg were chasing they couldn't phone us because they didnt have our number.

 

Think this may go the same way as Debenhams Store Cards converting to Credit Cards (re: change of account numbers)

 

Hello DonkeyB - I'm back

 

Beachy

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Welcome to the club Spamhead

 

OH received exactly the same last week (along with several others I notice) from Marlins, yesterday the phone calls started ( we were out :) ), dont know how they got our number, we're exdirectory - all the time Egg were chasing they couldn't phone us because they didnt have our number.

 

Think this may go the same way as Debenhams Store Cards converting to Credit Cards (re: change of account numbers)

 

Hello DonkeyB - I'm back

 

Beachy

 

Hi beachy

 

Not aware of the Debenhams store card issue - how did that play out?

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Hi beachy

 

Not aware of the Debenhams store card issue - how did that play out?

 

A few years ago Debenhams 'upgraded' some customers store cards to credit cards without agreement with the customers (new account numbers but no new agreements or signatures),

Messers. Cohen's issued a court claim against OH, but he had major issues as there was no 'paper trial' between the original agreement & the new account number. They decided to discontinue :-)

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Well, am glad I'm not the only one! I've started a separate thread about my situation, but it sounds very similar - basically I received a NOA from Barclaycard last week apparently relating to an Egg account that defaulted almost four years ago and has had no action on it since (requested a CCA at that point, received nothing). I intend to ignore Marlin for as long as possible as the account will become SB in just over two years' time, and I can't imagine they will be willing/able to comply with any CCA request that I might make at this stage...

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It does sound as if the options are:

  • To immediately declare to them that the account is in default to the OC and has been so for quite some time and let them flap their gums around it
  • To send them a prove it letter on the basis that I have never (ever) had a BC account of any kind and let them attempt to enforce or at least provide some kind of paper trail
  • To ignore them and let them dig themselves a hole by making demands on a non existent account
  • Wait until they begin a court action for the non existent account and go after them for costs
  • To pay them lots of money that they have no entitlement to (only joking)

I shall ponder over these options for a while

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I would send the prove it letter, as the account numbers are different and in my case, the only account i've ever had with Barclays has been written off as it is stat barred.

Don't ignore Marlin, that's what they want you to do, so they can issue a Claim, hoping you ignore that as well.

You must report Marlin to the OFT if they step out of line, the OFT were very interested in Marlin after the despatches documentary.

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I have no intention of allowing these parasites to obtain judgement against me, however OFT are neither use nor ornament when it comes to Debt Collection.

 

At the moment they haven't actually done anything other than buy a load of accounts, as far as they are concerned they are acting in good faith.

 

Once they have been informed that they have bought a pup, depending on their actions from that point onwards, this will dictate my own actions

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I would contact Markings i have heard tales of them sending things to the wrong address and hence getting judgement by default

 

Since the address hasn't changed and all mail (such as there has been) has come to the correct address including the initial contact letter from Marlins and the NOA doc from B/C, this is absolute proof that they know the correct address and it is very unlikely that Marlin would attempt such a foolish act, given that the deception would be obvious and easily proven.

 

Because the paper trail clearly includes the correct address, setting aside such a spurious claim would be childsplay and would also merit a nice claim for costs against Marlin

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Doesn't mean they won't try it. I have a friend who had a letter of claim sent to an address that she had never lived in.

 

I am not disputing this, I know of several companies who have a habit of acting similarly, I ammerely stating that iin this case t would be the simplest set-aside ever recorded and they would get my nomination for this years cupid stunts award

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Haven't seen the letter yet, but Marlins have sent me their first letter, no doubt promising me all kinds of ill should I fail to give them monies that they have no entitlement to.

 

I suppose my first action should be a prove it letter, coz I've never had any account with Barclaycard and the account number matches no other account in my history

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