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    • Sorry to ask, but I know I had SB template on PC, but can't find it. Also any search for template\SB letter takes me back here.  Any help to get to SB letter would be appreciated. I know I used it on a car HP co that wouldn't honor my FCS refund and after 6 years came threatening ( or rather their DCA). Worked a treat. Thanks in advance
    • Received this letter today after all this time !! Doesn’t sound like just a threat any advice please  Thanks  Photo.pdf
    • Good evening. Hoping to keep this short and concise. Any help really appreciated! Sent originated from council tax in 2019.  I moved address for a new career 240miles away in December 2019 and have lived here ever since.  A distant friend resides at previous address.  A CCJ was filed regarding this debt in January 2020 but no correspondence was received my end or at the old address.  Move forward to this year; early April I learn of a letter received from Bailiff - Notice of Enforcement dated 13/03. Stated I had ten days to settle a payment/payment plan or £75 will be added after ten days from 13/03 and bailiff instructed to visit.  Obviously I was unaware of this letter till well after the time period passed. Attempted to contact Dukes via email but zero response. Asked for breathing space in order to check the original debt with the respective council (I wasn’t awarded a week of Housing despite being on UC for a short period due to a contract date given by the old employer).  29/04 a note was left at the old address stating a bailiff had visited. New balance £310 more than original outstanding.  I’ve since contacted both the council and the bailiff agent to state I’m more than happy to settle the original debt over a payment plan but at this stage they will not remove the fees despite all correspondence not being sent to me and obviously me only seeing them much later than one would have expected.  Tried live chat today with the company and firstly was told the fees will remain because I spoke to the enforcement agent - I have never spoken to him/her.  secondly told the fees would remain because “I tried to use their web chat service to complete an income form” - I have zero recollection of doing this and I also wonder if it’s another tactic? any help on where I stand with the fees added would be incredible. Thank you
    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
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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
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Hi,

Right have got prelim letter prepared but confused abouth the interest issue.

I understand the 8% is NOT added until court stage but on my statements after each charge for unauthorised overdraft they have charged varying amounts of interest. Only small amounts totalling £5.67 but the mood i am in i don't want them to get away with a penny of my money.

Sorry mini rant!!!

 

Do i claim these small amounts in my initial claim?

 

Tracey

 

Good luck to all

 

:x:confused:

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You can claim the portion of the interest that relates to the penalty charges. My advanced spreadsheets can help you estimate this figure if you wish to use them. There are other spreadsheets in the bank templates library on this site also. Please have a read around.

 

You also have a choice of claiming contractual interest instead of statutory interest. See further guidance in my Chambers and do some searching for discussion on this around the site if you are interested.

 

It's a tricky area so please be careful and make absolutely certain you know what you are claiming and why.

Good luck.

[

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Hi,

Got the standard reply back from A & L today sorry you not happy, OFT ionly meant credit cards blah blah blah.

 

Di I still waith the full 14 days before proceeding with lba or can i go for it now i have had a reply.

 

Many thanks

Tracey

:confused:

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Hi

I really should proof read b4 i hit submit!!

 

I am very curious why 3 days after Northern Rock lent us £13,500 Natwest declined a step account. Experion cannot find us so struggling to find out about credit rating to see what on earth is going on.

 

Gonna need a long holiday after all this is over, who fancies the carribean courtesy of the banks!!!

 

Tracey

:p

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Hi there,

Somebody I know who works for natwest told me that Natwest tend to use credit referencing through looking at history with other businesses ie credit cards, banks that they are part of rather than using the usual credit reference agencies. Either that or Northern rock have given you loan but at a higher interest rate classing you as a high risk they're willing to take on.

You could ask Natwest what credit referencing they did and ask to see your file if they did use the process above

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Just had a thought! There's somebody who uses this site who works for natwest, funnily enough their username is Natweststaffmember. Try getting their attention and asking if they know how the credit referencing is done

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Tracey,

If Nat West don't want your business there are others who do :-

 

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html

We haven't got the money, so we've got to think!

Ernest Rutherford

 

A & L

Data Protection Act Letter sent 11/08/06

Data rec'd 14/09/06, Prelim letter sent 16/09/06

LBA sent 22/09/06, MCOL 6QZ68670 issued 2/10/06 - chq for £6,375.34 rec'd 04/11/06.

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Hi,

 

Right parchute account up and running with Firstdirect, even got a cheque book (here we go again).

 

I have received a pretty standard reply to LBA so this evening filed MCOL for £955. Now more scared than ever in my life and that includes jumping out of an plane!!

 

Hopefully will make for a cheerful January.

 

Tracey

:eek:

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if you can, have a look at my thread...

 

I wouldn't get through any credit check, but Natwest let me open one of their Step Accounts, to fall back on

good luck x

1/6/06 request charges

16/6/06 received charges

18/6/06 first request for refund

3/7/06 "No" letter from bank

13/7/06 LBA

7/08/06 handed claim to court

10/8/06 court stamped as date of issue

24/8/06 deemed to be served

25/8/06 Sechiari filed acknowledgement of service

6/9/06 defence served

9/9/06 copy of defence and AQ received by me

25/9/06 deadline for AQ submission

25/9/06 call Sechiari confirm safe receipt of my AQ

26/9/06 received copy AQ from Sechiari

29/9/06 letter to SCM to say "you want 1 month to settle, so settle"

18/10/06 after "strained communications"and how !

verbal offer of full settlement with conditions

communications rejecting conditions from me

5/11/06 received letter offering settlement with conditions

7/11/06 sent fax rejecting conditions etc

14/11/06 unconditional settlement in bank and how !;)

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Hi Freebird,

 

WOW

 

Fantastic reading through your thread in tears by the end!!

 

Many many congratulations. You have truly given me the courage to follow this through to the end.

 

I hope you daughter is ok and you and yours have a very very good christmas you deserve it.

 

Bless you

 

Thanks

Tracey

x

:p

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Hi

quick update. Received acknowlegement that service has been filed today. Sensible head reading posts says cheque should be in my grasp in the next few weeks but scared part of brain says you gonna be the one who gets before the judge. Gulp

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Yeh everyone feels the same. You will do fine. Thats how i felt, its still in my head after three claims and one on going but it will never happen. Just remember they don't want to have to show how their charges work so will avoid court. Good Luck.

George Loveless - “We raise the watchword, liberty. We will, we will, we will be free!"

 

My advice is only my opinion, I am not a legal expert.

 

IF YOU LIKE THE ADVICE I'M GIVING AND ARE HAPPY WITH IT, CLICK THE SCALES ON THE BOTTOM LEFT OF THIS POST AND TELL ME.

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  • 2 weeks later...

Hi

 

A little bit concerned, On reading other threads most people seem to have received comunication from banks and solicitors, all i have received is a form from the courts stating that the claim has been acknowledged is this normal or am i in for an even longer wait.

 

The form had a copy of their acknowledgement attached giving Ian Brunt as their solicitor

 

Tracey

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