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    • Thanks dx for your guide. Yes, I will use their services, but not often. I usually spend around 80 per month, but the season ticket price is 160. I plan to renew it as long it could help me to show that I will not do it again.
    • if you are going to be using its services yes if not no. STOP PANICKING........ yours is not the next move. dx  
    • You could try this and include a copy to the SRA who are being particularly tolerant to this bunch of jackapes. This also shows that you are not to be messed with and are capable of stirring up trouble for them when they step out of line. Dear DCBL, I am in receipt of your letter of 18th April 2024 regarding CPR1.1 After studying the whole section I cannot see anywhere that I am required to furnish you  with my mail address or my phone number. Perhaps you would be kind enough to provide me with a reference to it. I suspect that your subterfuge is designed to allow you to bombard uninformed litigants with last minute information on the day of their Court case which appears to occur at times with your company. I notice that you are asking for proportionality at the same time as you are demanding  an unlawful £160 when you are aware that under PoFA the maximum that can be demanded  is only £100. You will note  that I have included the Solicitor's Regulation Authority into our conversation in order to ensure your reply. And your old excuse of "admin. error" is surely wearing a bit thin even with the SRA. so I look forward to an apology for your error and a declaration that you will desist from trying to hoodwink other motorists in future.  
    • OK. Thanks, all. Should I renew the season ticket as it going to be expired.
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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 
        • 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
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Power2contact/ my Cap1 Debt


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Im panicking now incase they try and take my belongings/enter my home etc....can someone please explain what rights and or legal standing they have please??!!!

 

Well you can stop panicking. P2C have no legal rights over you and cannot enter your home and cannot take anything that belongs to you.

 

These are simply doorstep collectors who will try and get some money from you. They are generally on a commission for doing so.

 

You are perfectly within your rights to tell them to "do one" if they do turn up. More often than not, they don't turn up.

 

In order for someone to come into your home they would need to take you to court, win and then you not comply with the court's judgement.

 

So, tell us the history of this debt please.

 

Knowing CAP1 there will be penalty charges on the account which you can claim back.

 

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Just wondering what to do now really ?

 

Well my answer would be "not a lot at the moment"...certainly not in respect of P2C.

 

So, this Cap1 debt...have you got the statements for the account?

 

Any £12 late payment or over limit fees on there?

 

When was the last payment made on the account?

 

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As I say, if they do pitch up tell them to get lost.

 

You need have no fear of P2C...I can 100% assure you that they are completely toothless.

 

I know that you said that you have every intention of paying what you owe and in order to do that it would be wise to establish what you do actually owe, i.e. the figure with the charges and associated interest removed.

 

If you don't have your statements any longer then a SAR to Cap1 would be the way to go.

 

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You could put a formal change of address letter in with your SAR.

 

Don't forget, they will probably let the other agents know your new address.

 

As you said, you are happy to pay them what is actually due so you are going to have to let them have your new address at some stage.

 

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Yes, they can't have what you haven't got.

 

Even if they took you to court, a judge would not require you to pay more than you can afford (after all of your priorities like rent/mortgage, food, utilities etc.)

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  • 3 months later...
Also, I have used this one for charges....'Credit Card'

http://www.consumeractiongroup.co.uk/Spreadsheets/England/BankChargesOO.ods

does this mean I have to start over again and do it on the CISHEET?....

 

Yes...use the one that dx linked you to.

 

The one you have used is only calculating simple interest at 8%....you need to be reclaiming at the rate they charged you compounded.

 

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This is the spreadsheet you should be using

 

CISheet v101.xls

 

Cell D15 is where you enter the interest rate that you are claiming.

 

Then just fill in the rest of the sheet as normal.

 

The sheet should open on OpenOffice.

 

When you have done your sheet, post it up.

 

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