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    • You're right of course, just jarring when an actual man child is knocking on my door so close to the end. Anyway, I'll keep this thread updated if ever any exciting does actually happen. Thanks again.
    • Yes I think you are right. I have to say I think most people would be honest and you would be unlucky to be with somebody who was going to rip you off
    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • 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
    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
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    • 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
        • Like

Various Issues - CRA Files - CCJs and the like


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Back in the summer of 2008 I went through a bad patch (I won't bore you with the details) to which I am still attempting to recover from. One of the results was that I was not able to be in control of my finances (never having previously even been overdrawn). Things escalated remarkably quickly...

 

I had a number of default notices registered to my name and 2 CCJs. I did not know what these were or how they affected you and am only now learning, I have very little knowledge as to what everything means, and what steps are available to me. I came across this site and spent most of yesterday reading through threads and posts but I am not much clearer.

 

My problems:

 

1. CCJs - have them marked as settled - how do I do that, do I:

get proof of payment from creditor/debt collection agency?

contact credit agencies with proof of payment? - which ones?

- wait until the 6 year time limit is up

 

2. Default Notices

 

I was persuaded to take a store card when buying some clothes for my son of the value of £56 probably because it gave me 10% off!!!! I thought that I had paid the amount off as I remember writing the cheque, but it is possible that I never actually posted it off. As a result I have a default notice, details of which I have provided here.

 

Entry on credit report:

Lowell £ 0 24/01/2012 Satisfied

Name

Address

Date of birth

Account type Credit Card

Account number

Account start date 01/12/2007

Account end date 24/01/2012

Opening balance £ 56

Repayment frequency Monthly

Date of default 21/08/2008

Default balance £56

Balance history

 

 

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

2012 SF

2011 DF .. ..

Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec

2012 0

2011 89 89 89

 

I don't remember the details, I know that I wrote to them frequently at the time and have probably got the letters on my computer but I don't suppose it matters anymore. Out of an original spend of £56 I have been charged £33 (59%) in charges. I don't understand the above history, why does £89 suddenly appear as a figure in Oct 2011.

 

The problem that I think that I have is that instead of a DF on my file registered in 21/08/2008, for which the 6 year time lapse in nearly upon me, I now have a DF marker in Oct 2011.

 

Can I try to make a claim on them for unfair/disproportionate charges? Can anyone tell me if this is (one of) my problems and if so is there a solution or if there are other things I need to be worried about?

 

The other DF is with Egg credit card.

 

Again I can't remember the full details but I do have lots of letters on my computer that I wrote to them at the time. I have a DF notice on the 25/03/2009 for a sum of £0, does this make sense? In April 2009 it marked as settled. I know that I was in dispute with Egg over their charges, can I do anything about this now, as I suspect that much of what they were chasing me for was a balance made up of charges?

 

This information is from the Noddle site not Experien as I had an account with them and now to access them again I have to pay £15 whereas Noddle are free. Should I still check my status with the main credit agencies?

 

If there is anything further that you require, please just ask. Thank you for taking the time to read this. On previewing my post all of the editing has been removed so columns are not in alignment, sorry.

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