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    • Last one for the night, do I send the Statue Barred letter recorded to the PO Box address on Overdales correspondence or to this address 2a, 606 Business Park, Staithgate Lane, Bradford, West Yorkshire, England, BD6 1YA for Overdales?  I found the second one on the Gov.uk company search engine. Thanks PM
    • Hi. Many thanks for your continued help. I will follow the advice and not get involved with phone calls, email only. The house was repossessed by the mortgage company Southern Pacific not Central Trust, but they did try some years earlier. They seemed to be taking it in turns at one point. I don't remember saying the debt had been sold to them or anyone else, as far as I am aware the house covered the mortgage, I have never heard from them. I just don't understand the figures or the terminology they used to explain the costs, find it baffling and far from clear.
    • Merged witness and draft defence, deleting some paragraphs.. still too long?   1. I understand that the Claimant obtained a Default Judgment against me as the Defendant on 10 November 2021. However, the claim had not been served at my current address. Therefore, I was not aware of the County Court Judgment until I received a notification that it had been entered on my credit report. 2. On learning of the County Court Judgement on 15 November 2021, I immediately contacted County Court Business Centre to find out details of the Default Judgment. It was only at this point that I discovered that Capquest Investments Limited was the Claimant and that the judgment was regarding monies owed on an alleged credit agreement. On 17 November I received a copy of the judgment from the County Court Business Centre by Email. 3. I now know that the judgment was served at an old address (xxx). However, I moved to a new address on 8 January 2021 with my tenancy at the old address ending 5 February 2021. In support of this I can provide confirmation of two (2) Council Tax bills for my current address (xx) and previous address. See [EVIDENCE A and B] 4. On 12 September 2018, the Claimant wrote to the Defendant clearly stating that following a request from the Defendant for a copy of the signed Consumer Credit Agreement with the original creditor, that one did not exist. I had no reason to believe this situation has changed to date and, the Claimant having already written to my new address reporting of default sums notice under the the Consumer Credit Act 1974 did, purposefully, use an old address to gain a Default Judgement. See [EVIDENCE C] 5. I suggest the Claimant did not make reasonable enquiries as to my current address before pursuing the court order especially considering they had good reason to believe they did not hold my current contact details. As stated in the Civil Procedure Rules CPR 6.9(3) where a Claimant has reason to believe that the address of the Defendant referred is an address at which the Defendant no longer resides or carries on business, the Claimant must take reasonable steps to ascertain the address of the Defendant’s current residence or place of business. At the time of the County Court Judgment, my credit file showed my current address so I was there to be found by a simple trace. See [EVIDENCE D]. 6. The Claimant sent a letter dated 27 October 2021 to my current address which I received on 9 November 2021. This equates to only twelve (12) working days between the Claimant filing the claim and producing this letter. I must question why the Claimant would use two different addresses in such a short space of time if there was any doubt I no longer resided at the address they had on record. See [EVIDENCE E]. 7. On the basis provided above I would suggest that the Claimant did not fulfil their duty to use the Defendant’s current address when bringing the claim. 8. Considering the above, I as the Defendant was unable to defend this claim properly. I thus believe that the Default Judgement against me was issued incorrectly and thus should be set aside. 9. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 10. Paragraph 1 is noted. I have had an agreement in the past with Shop Direct Finance Company Limited but I do not recognise the account number referred to by the Claimant.  11. Paragraph 2 is noted but not admitted. The Claimant would not be aware of any alleged breach or in a position to plead such fact as an assignee as the Defendant did not enter into any agreement with the Claimant and is therefore put to strict proof to verify the alleged statement of its particulars. 12. Paragraph 3 is denied. I am unaware of any legal assignment or Notice of Assignment allegedly served.
    • Evening dx will do, can I just ask what WHY is or have I just read it wrong?
    • So Xbox support came back to me with the expected decline of my request for the refund.  They cited the fact that the purchase occurred more than 14 days ago which goes against their refund policy.  So I've now had three refusals to refund for two different reasons.   I think I now need to show them we are serious and send them something more formal.  Would this be a letter of claim or is there anther step before that?   I've also been trying to figure out where to send any further correspondence as at present its all been done their online messaging platform, which doesn't feel formal enough...    
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Virgin increased price Mid-Contract -What do I need to know when I ask to leave?


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I took out a package with Virgin Media, that started on the 25th April 2014, for 18 months, that included Broadband, TV, Phone. It included an introductory offer, that has now expired and the package now costs me circa £70 p/m.

 

I've grown sick of the poor TV and don't want to continue. I was therefore intending to either ask them to stop the TV service at the end of October when the 18 months is up, or leave completely. However, I received a letter from Virgin stating they are increasing my TV package by £3 per month, from the 1st September, because of a new channel they are including (BT Sport Europe HD). Somethng I have no interest in, let alone want to pay for.

 

I found this article...

 

theinquirer.net/inquirer/news/2324658/ofcom-rules-customers-hit-by-mid-contract-price-hikes-can-leave-for-free

 

Which states that I can leave my contract without penalty.

 

Here are my questions..

 

1) Does that mean I can terminate my entire package, or just the TV aspect of it (it was bought as a bundle)?

2) If I can terminate the entire package, COULD i just ditch the TV service?

3) Could I terminate as early as the 1st of September then? (assuming I give notice in the next few days).

 

Is there anything particularly I should / shouldn't say when I call up?

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Hi,

 

Sorry I'm not sure about how you go about getting out of your contract, best I could suggest was to phone them and ask as you sometimes find they are willing to come and go a bit if your going to leave them.

 

Sounds like I'm on the same bundle as you and they have also informed me about the £3.00 per month rise. I'm getting ready to shift to someone else myself.

They are forever phoning me to say what a wonderful customer I am, then go into their spiel about how they are willing to offer me some some great sports channels or a new mobile for another £30 a month !!!

 

They are starting to get very annoying.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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1) Does that mean I can terminate my entire package, or just the TV aspect of it (it was bought as a bundle)?

2) If I can terminate the entire package, COULD i just ditch the TV service?

3) Could I terminate as early as the 1st of September then? (assuming I give notice in the next few days).

 

I had the "we are increasing our charges" letter a few years back. I had completed the minimum contract term so was on a rolling contract. Told them that the "free" TV package was worthless and I would be moving to a new provider. The end result was a renegotiated package at a reduced price with an undertaking that it would be reviewed annually. So each year, I ring them up and go through the same "I'm moving to another provider, need to cut costs" pitch. The last "discount" offered basically negates the increased package fee.

 

You have nothing to lose by ringing them and telling them that you will be moving unless they can come up with a better offer. As you say, the extra channels do not provide any incentive to stay once the price is increased. The target price to aim for is 50Mb fibre with free weekend calls for £5.00 plus line rental at £16.99 - It might be a fight to get them down to that, but if they can do it for new customers, they should be able to do it for you.

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Exactly what you have to do. Reduce package, so you are not paying for rubbish. Make sure you are not entering into any new contract. Try to negotiate reduced price, with threat of cancelling and going elsewhere in October.

 

If you do this, you may end up being in a happier place than now. I paid for a TV service for years that i was not really watching. Most of the cable channels broadcast repeats, with only the occasional new programme. As for football, go down the pub for any match you need to watch and watch Match of the Day for others. I would not pay to see multi millionaires kick a ball around, as you are paying their wages to waste on expensive car collections.

We could do with some help from you.

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I had an email a few days ago saying the price was going up another £3 a month. Already paying VM over £120 a month. so have just cancelled it.

 

Can get exactly the same (or better) package on Sky for £84.02.

 

The advisor on the phone came down to £100 but I still cancelled. I'm sure they will match it, if not, off to Sky I go for 12 months.

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most of the companies included " prices may vary" and can only increase you payments no more then 10 % on your contract period. its all about what in your t&c's but most want to keep you so always worth a call

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Just had a call from VM Loyalty retentions.

 

Settled at £90 a month for 12 months. Net saving £38 a month.

 

Good stuff :)

 

I just phoned VM about getting bumf premium text messages at £4.50 a pop, god knows where they are from, was told to text back STOP did this, we shall see if they stop.

I also asked how much notice I need to give to cancel my mobile contract, ended up getting another 1gb on top of what I have if I stay.

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 1 month later...

Seriously bad is this, I had the same issue, I let them know point blank TV is done internet and phone only package price is now just £24.49 and my TV package has over a 1,000 channels, mostly from the states but almost anywhere in the world.

 

 

You do not need and special equipment just a well known browser, then getting an addon and using one from the drop down and then you can dump your PC in the US and watch live TV from there, these are always nearly a year ahead of most new seasons. Then you can get a decent PVR and still record your favourite shows, cost for this is free... How much better is that?

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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