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    • The OD was dropped and Wescot/Cabot sent the letters regarding the loan. I thought by starting a new post I would be giving the correct info. As Cabot quote account numbers, duration of loan, and credit amount on the statements, what would my options be if a letter of claim did turn up? I sadly do not have the outstanding balance.
    • as long as you've told cabot of your correct and current address then stop paying see if they send a letter of claim. as for the OD then? are you still paying that £30 or indeed any dca on historic debts? i thought also there was a mix up earlier upon what the debt was, you weren't sure if it was a loan or the OD? dx  
    • I'm sorry, I thought I wrote clearer. This matter is dealing with a personal loan I took out back in 2001. 
    • I see Gove is appeasing Tory backbench landlords with the corrupt cronyistic Tories 475th (roughly) betrayal of promises and powering profits for Pals Gove defends landlords after campaigners criticise his proposals to water down bill banning no-fault evictions "of course I listen to landlords"
    • see where they go. though i dont think barclays never were nor never will be anything to do with this moving forward. as ethel street explained. its a simple case of you as a director paid yourself £13k and the liquidators dont like it. tough cant get blood out of a stone. the very worst would be a civil court case and if you lose a CCJ and even thats pretty much useless to them. is your home jointly owed and mortgaged? dx
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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
      • 160 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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