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    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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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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I was quoted £146.15. They sent me a flimsy envelope. I double wrapped my pristine conditioned Iphone 4. and posted it to them. They said they sent me an email stating that the back casing was cracked and offered me £51.15. I found their telephone number on the [problem] website. I rang them and told them to return my mobile or I would take legal Action. They informed me that because I had threatened them they would terminate my telephone conversation. Eventually the person I was speaking to whose name was Frank told me he would look into it and ring me back. Amazed as I was he did ring me back at 7pm. He told me he had found my mobile it was undamaged and instructed me to pay £8.95 into their Barclays bank account number 83111571, this I did on 12/6/13. I was informed that once they had received this they would return my mobile. on 16/6/2013 I received this:

 

Dear xxxxxx,

 

You'll be pleased to know that we have made a bank transfer of £51.15 in to your bank account number ending xxxx4597 towards the payment of your mobile(s). You should receive this amount in your account in the next 3 to 5 days, however in really busy periods it may take longer.

Please allow 7 to 10 working days from the date of this e-mail before contacting us if funds don't reach your account.

 

We endeavour to operate a prompt and efficient process and hope you are pleased with the way we have dealt with your order.

 

If you are happy with the service you have received then please feel free to recommend us to your friends, relatives or colleagues.

 

We are always striving to ensure 100% customer satisfaction and appreciate any comments whether good or bad.

 

Once again, thank you for choosing us and we hope you use us again when your next phone is ready to be recycled.

 

Kind regards,

The Management Team

Cash4phones

 

I have sent them a reply:

 

To whom it may concern.

 

 

 

This is my second email to you and I have also spoken to someone at your company called Frank. I rejected your offer of £51.15 as I did not believe the iphone i sent to you was damaged and you originally told me you would pay me £146.15. This was confirmed by Frank who telephoned me back to tell me he had located my iphone and that it was undamaged. I told him I wanted the mobile Iphone returned to me. He asked me to pay £8.95 into your Barclays bank account. and he would then return my iphone to me. I paid this money to you on 12th June. I have not received my phone yet but received an email from you on 16 June telling me you were going to transfer £51.15 into account. This is not what was agreed.

 

Unless I receive my mobile Iphone by return of post from you I shall have no alternative than to take legal action to retrieve my property.

 

 

 

regards

 

 

 

xxxxxx

 

I received a delivery report saying my email has failed to send.

I have not received my mobile or any other correspondence from them.

 

I do not know what to do next, they are absolutely awful people. If anyone can help please contact me. my email address is

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We seem to be getting a lot of very similar stories about this company.

 

 

I think that you should only deal with this company on the phone if you record your calls. This is our advice ins respect of telephone dealing with all companies.

 

I think that you should send them a final letter and email giving them 14 days to return your phone or you will sue - then sue.

Don't make this threat if you aren't prepared to go ahead.

 

We will help you draft the claim. It will be easy and cheap.

 

If the email bounces back again that I would dispense with the 14 days pre-action protocol and I would sue immediately. Keep copies of everything - including bounced emails.

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I see that there are a huge number of complaints here - http://www.trustpilot.com/review/cash4phones.co.uk?r=5024827&correlationId=48ecf5f7-4c23-4760-83ed-144f37dc8ad3

 

I really do think that I would not bother with the protocol but just sue immediately. Drop them a note and give a day or two to respond.

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Well I am amazed. I got my phone back on Saturday. And guess what!!!!! There is absolutely no damage to it at all. Remember I said in my earlier thread that they had reduced the offer from £146.15 to £51.00. All I can say to those in the same situation is do what I did. Which was I hounded them, threatened them with court action, even when they terminated the call because I had threatened legal action, I rang them straight back. I did pay the £8.95 fee to get phone returned and I must admit I did think they had just conned me for another 8.95. But the mobile did come back to me and undamaged. WHICH PROVES THEY ARE CONNING PEOPLE WITH REDUCED OFFERS TELLING THEM THE MOBILES ARE DAMAGED. Phew!!!!! I got lucky I guess. All I can say is keep ringing them. And spread the word DO NOT USE THIS COMPANY !!!!! Thanks everyone for all of your advice.

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