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    • Thousands more passengers could face delays or cancellations after an arson attack on France's train network on Friday.View the full article
    • you never use or give an email  2nd class stamp with free proof of posting from any po counter dx
    • Much appreciated for the ammendment. The snottier the better right!   What I am assuming is that this response is to be posted to Gladstones? However, I am seeing some users sending this as an email instead, which is a little confusing.  If we're happy with this response, what would you suggest is the best way to send it over to them (post/email), and is there anything additional I could include (if necessary)?  Thanks again! 
    • Hi I've read through other threads to better inform me of the process from here onwards. When I put in the MoneyClaim it gave me a claim number and it currently says to wait for the defendant to respond, they have until 7 August.   It seems their most likely action is to extend that a further 14 days to about 21 August - this hasn't happened yet, of course, as it is only 27 July but I'm anticipating that may be the case. when the expected defence action is taken by EVRi I will need to submit DQ with these responses A1 - no mediation B - my contact details C1 - yes to the small claims track D1 - No.  If No please state why.  I believe the defence will provide some rebuttal to the particulars of claim and so I need to include details as to why the claim requires a hearing.  Is there some certain templated text I can include here or will it vary depending on what the defendant comes back with? I see on the form it mentions the following: Relevant reasons include that there are factual disputes which will need the judge to hear from witnesses directly or the issues are so complex they need to be argued orally.  Hoping to reach out to see what may be the most effective statements for D1 reasoning. E1-5 are pretty straightforward. I want to get ahead of things and be ready to take the next step so I appreciate what advice you may have about the DQ.   Thanks!  
    • Rachel Reeves is set to reveal a public finances shortfall of billions on pounds after a snap audit.View the full article
  • 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
      • 162 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
        • Like

scotscall


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Please help,

 

I dont know what to do for the best. I have scotscall saying they are coming round in 7 days. I think there are two debts but they are very old. But i dont have any paperwork for this, i thinks one is orange and one is shop direct. My soon to be ex wife ran up overdrafts of bank accounts in my name years ago, and i have never dealt with any of it. I have just ignored it. I want to sort this desperately. Someone please help i have never dealt with this sort of problem before.

 

I have never heard anything regarding the bank accounts, but the other two debts have been banded from debt collector to debt collector for years. Now scotscall say they are coming. Im scared if i try to pay them the bank account debts will re surface. What should i do im at a pretty low ebb going through a divorce and my wife has stopped me seeing my 3 year old daughter. Having to go to court to get contact. Everything is getting on top of me any advice on a way forward please.

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Firstly. Tell them to get lost if they turn up. They are debt collectors not baliffs they have no rights at all to be on your property. If they refuae to leave phone the police and report a breach of the peace. There should be a letter in the template gallery here. U can send them to stop them calling.

 

Secondly. Check your credit file are the debts on there?

 

Never talk to a debt collector on the phone. Simply hang up if they ring.

 

You could always sebs then a cca request. This costs £1. Dont sign the letter and use a postal order. This will allow you to c when the debt was taken out, when it was defaulted and ask for a statement of account too this will allow you to c whether it is statuted barred or not abd when you last payment was. Just put on the bottom of your letter to them "please note i do not acknowledge any debt to you or anyone acting on your behalf. Make sure you sent it recorded delivery

 

Lx

Please add to my reputation....

SUCCESS - Capital One PPI, Three Mobile charges, Orange Mobile charges, MBNA PPI

Wonga, Lowell, MMF 2 accounts, Provident x 3 Accounts, (ALL Unable to provide CCA)

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Doorstep agents have no powers. They are just enquiry agents, who will earn a commission if people are stupid enough to pay them or set up a repayment plan. If they call and you answer the door, just don't confirm who you are if they ask. If you don't confirm that you are the person they are seeking, then they should quickly leave.

 

Check your credit record and see what is on there. Experian offer a free trial, as do Equifax. Just remenmber to cancel within the trial period to avoid a subscription. Also it may be worth checking Trustonline to see if any CCJ's have been obtained without your knowledge.

 

You could send Scotcall a prove letter asking for details.

 

http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

If you do know what debt Scotcall are referring to, then there are other possible letters you can send.

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I keep a printed off copy of the no visit letter just in case any turn up, although have written to tell them no visits etc.

 

I am on electoral roll but requested the option that doesn't give out details to searchers. This can be a problem when applying for credit I am told, as checks cant be properly made, but I have no wish for credit so it doesn't bother me. Somehow they DCA's still find me though LOL ring...even email address.

 

On my Noddle registration I had to put down last 3 addresses to get my account open, nothing shows up for where I am now but does show up previous address from when I incurred debts.

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