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    • Good Law Project are trying to force HMG to release details of how Sunak's hedge fund made large profits from Moderna. Government ordered to disclose Sunak’s hedge fund emails - Good Law Project GOODLAWPROJECT.ORG Good Law Project has won a battle with the Treasury after it tried to suppress emails between Rishi Sunak and the hedge fund he founded.  
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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
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      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.

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      Many thanks 
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    • 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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If the account is in one persons name only, then they shouldnt be discussing it with anyone else. There are caveats for financial associations with other people, but in this case its a simple HP where brighthouse are up to their usual tricks again.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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BrightHouse only allow 1 person on the contract (I know because a few years back my partner and I were both named, then they had to remove one as it could only be in 1 name), so BrightHouse has effectively breached the Data Protection Act by discussing the account with the non-account holder. Or have I missed something? Just seems that way to me.

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Why not make them squirm and question why they did it and what law/regulation/guidance allows them to discuss a persons financial matters with a third party without permission.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi mate, yes you have missed something>>, all the store manager has done is call his home and speaks to his wife, and >>

 

he tells his wife that if no contact or payment was made by 9 30 Monday morning the collections team are coming for all there stuff,

 

Not sure how that would come under Data Protection Act! as he has not discussed any data with the wife, "ie" Reg sums or acc numbers

 

 

BrightHouse only allow 1 person on the contract (I know because a few years back my partner and I were both named, then they had to remove one as it could only be in 1 name), so BrightHouse has effectively breached the Data Protection Act by discussing the account with the non-account holder. Or have I missed something? Just seems that way to me.
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just to be CLEAR..

 

the collections team are coming for all their stuff,

 

 

they CANNOT enter and cannot do anything

 

they ARE NOT BAILIFFS.

 

infact i'd be writing a letter of complaint to the CEO over this.

 

the staff member that said that needs retraining..

 

as we've been told several times here by various reps that they have already when they are pulled up on this.

 

the FCA might want to hear about this threat too.

 

they can ASK you for the goods they want ONLY

 

IMHO that should have been said on the phone too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The ceo shrugs off responsibility to individual stores dx. Weve had a few copies of correspondence on this site already from him or his team.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi mate, yes you have missed something>>, all the store manager has done is call his home and speaks to his wife, and >>

 

he tells his wife that if no contact or payment was made by 9 30 Monday morning the collections team are coming for all there stuff,

 

Not sure how that would come under Data Protection Act! as he has not discussed any data with the wife, "ie" Reg sums or acc numbers

 

Fair point - but it's not unusual for BrightHouse to "bend the rules"

- I had them pinned against the wall with a OSC removal form,

signed by my partner AND the store manager

- when she received the SAR details, it showed that it had never been taken off!

 

They have some sneaky, underhand tactics which are, nasty.

 

Upon confronting the head office they refunded the amount in full, with interest and £100 compensation.

 

Well worth challenging!

 

Oh and avoid the Skelmersdale store, the manager appears to be "forgetful".

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Fair point - but it's not unusual for BrightHouse to "bend the rules"

- I had them pinned against the wall with a OSC removal form,

signed by my partner AND the store manager

- when she received the SAR details, it showed that it had never been taken off!

 

They have some sneaky, underhand tactics which are, nasty.

 

Upon confronting the head office they refunded the amount in full, with interest and £100 compensation.

 

Well worth challenging!

 

Oh and avoid the Skelmersdale store, the manager appears to be "forgetful".

 

 

 

you got a full refund of OSC ??

 

i would like to hear more about this if thats ok!

 

as you can see i have taken this up with FOS reg OSC & DLC >>>http://www.consumeractiongroup.co.uk/forum/showthread.php?380090-4-wks-missed-to-BH-now-demanding-good-backs-help

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Not exactly, my partner had requested OSC be removed from the account, which she signed along with the manager - but it was never removed. The manager must have "forgot" to do it (more like didn't bother). This only came to light when we received the SAR for her reclaim. I went straight to the head office and within days received an apology, refund, interest and compensation.

 

I'm currently taking BH to the FOS for £2200 in late payment charges, mis-sold OSC and forced insurance in the form of DLC. If I get no joy there going straight to the Small Claims Court.

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Thats what i'm currently doing! its been a number of months now and the last email i got from them said they was not sure if they can help as its OSC, still waiting to hear back from them, if they can not do anything i will take it to court!

 

Not exactly, my partner had requested OSC be removed from the account, which she signed along with the manager - but it was never removed. The manager must have "forgot" to do it (more like didn't bother). This only came to light when we received the SAR for her reclaim. I went straight to the head office and within days received an apology, refund, interest and compensation.

 

I'm currently taking BH to the FOS for £2200 in late payment charges, mis-sold OSC and forced insurance in the form of DLC. If I get no joy there going straight to the Small Claims Court.

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