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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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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. 
       

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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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In figures just released, it was found that NHS Trusts have run a deficit of £1 billion in just 3 months.

 

The government have increased funding in the NHS, but not related to healthcare inflation or taking into account the increased numbers using the NHS.

 

Hospitals are having to pay a fortune for agency Nurses, because they can't get enough. Within one NHS Trust in the London area, they have 1600 vacancies across different job roles. Yet the government have a policy from 2016 to remove from the UK foreign workers who have not reached £35k per year in 5 years of being here. This will include many non EU Nurses.

 

Meanwhile government will fund HS2 at the cost of £40+ billion and Trident replacement at £100 billion. Surely time has come to prioritise spending on essential services and infrastructure. NHS, Housing, basic transport network, schools.

 

I am not convinced of any long term plan and it is being made up as they go along. Has been the case with successive governments over a long period. The UK has a golden opportunity to use rising population through immigration and record low interest rates, to invest in the infrastructure the country needs. The IMF and leading economists have said that UK government should be investing for future prosperity. Instead the current government are relying on mostly foreign investment which will come at a price and profits will end up going abroad.

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Hi unclebulgaria67

I am sure this thread will warm up shortly.

Some very interesting points on your post.

In fact so scary i nearly fell of my chair.I have returned to read it a few times today.

 

Just also to warm things up a touch what do you think of this.

 

Report: 'Fraud costing NHS up to £5.7bn a year'

The NHS in England could be losing up to £5.7 billion a year because of fraud, according to new report.

 

Former Department of Health counter-fraud expert, Professor Jim Gee, helped produce the report for PKF Littlejohn.

http://www.bbc.co.uk/programmes/p033b9pq

 

A article with a video that says a few things.

 

NHS in financial crisis after posting £1 billion losses in just three months

 

http://www.independent.co.uk/news/uk/politics/nhs-in-financial-crisis-after-posting-1-billion-loses-in-just-three-months-a6687501.html

 

I just missed the BBC news report at 18-30 mentioning this deficit.I will post it another time.

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It is indeed worrying, however I would like to make a point about having to employ agency staff. There is one hospital who used to pay enhanced weekend payments to theatre staff to clear the backlog on an overtime basis i.e. on top of their normal weekly hours. The powers that be said they would not pay enhanced pay so the staff said forget it. They now pay agency staff to do what would normally be overtime and they receive much higher pay than was paid to the permanent staff. Sheer madness. The daft thing about this is that some agency staff also have permanent jobs within the NHS and do agency work on their days off.

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Sounds like privatisation around the corner.

 

The Tories will privatise it in a sneeky way. They will get private companies take over services, who will provide basic services on NHS terms, but better faster services if you pay cash. Waiting times for operations will be extended leaving people in pain and people will be told if they paid cash, they could get it done next week. It is already happening and will get worse. It will be a 2 class system, based on ability to pay.

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The Tories will privatise it in a sneeky way. They will get private companies take over services, who will provide basic services on NHS terms, but better faster services if you pay cash. Waiting times for operations will be extended leaving people in pain and people will be told if they paid cash, they could get it done next week. It is already happening and will get worse. It will be a 2 class system, based on ability to pay.

 

Already is, they just expand that side,

and all simply done by reducing investment and increasing demand targets.

.. and threaten the doctors doing the works salaries just in case that doesn't work quick enough.

 

... but that is what the populace has voted for

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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The main expenditure is agency staff needed just to make the NHS function on a daily basis

 

7000 front line clinical NHS staff have been made redundant since 2010. 4000 of which are senior nursing positions.

 

This question has to be WHY??

 

The response given by Jeremy Hunt is that NHS trusts "Flex up" with agency staff when extra nurses are in demand such as winter months. Only problem is those winter months are 12 months of the year

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Already is, they just expand that side,

and all simply done by reducing investment and increasing demand targets.

.. and threaten the doctors doing the works salaries just in case that doesn't work quick enough.

 

... but that is what the populace has voted for

 

The populace voted Tory because the Tories scared them that Miliband/Sturgeon would be running the country.

 

They won't like it when older people needing hip or knee replacements are told it is at least a year of agony or £7k and they can get it done next week. It will become cheaper for people to take a trip over to a French hospital to have an operation and i believe people are already doing this,

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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They won't like it when older people needing hip or knee replacements are told it is at least a year of agony or £7k and they can get it done next week. It will become cheaper for people to take a trip over to a French hospital to have an operation and i believe people are already doing this,

 

only a year - if only.

18 months for a friend two years ago, and that was only after escalation by the GP.

The waiting list time requirements in many areas have been long shelved, and even before that there were (and are) many little tricks for consultants to get the clock reset

The Tory Legacy

Record high Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling Hospitals, Schools, council services, businesses and roads

 

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

10 years to save the Vest

After Truss lost the shirt off the UKs back in 49 days

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