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    • Hi all, Okay, just received a claim form from PRA.  The Court is Northamton. The claim is over 5k. They state the original agreement for the credit card was in 2000. What do you advise is the best next steps ?    
    • CEL are idiots, you'll be on a list of non-payers and they'll just automatically have sent out the LBC without bothering to check that the matter has already been dealt with by the courts. It depends what you want to achieve. 1.  If you want to get rid of them do as dx says and also add a blistering letter warning them that'll you'll smash them for costs galore if they're so damn thick as to take the same matter to court twice.  2.  If you want to annoy them and waste their time then ignore the LBC in the hope that they really will start a new court claim - that would lead to humiliation galore for them but also of course eat up your own spare time.
    • Trust everyone has been great.    Here is the latest update on this. After resubmitting all documents on April 12th, they acknowledged receipt of the documents I sent and I waited 15days.    30th of April I got an email from them saying they needed more documents. The documents I provided on shows proof of funds for all money that came in my name through the third party apps and they did highlight these credits as “seen” they showed me other credits on the account that’s not in my name.  About 22 of them, was asked to provide documents relating to each of these transactions “bank generated receipt or bank statement from each person”   I was able to contact and get receipts/statements for at least 20 of these transactions. I sent them 1st of May and called to confirm they got them.  Also, in the mail I explained each transaction and gave them all information on each credit, it was all naira exchange, I showed them my naira statement showing I sent each person an equivalent of the gbp I recieved in naira.    I was told I have to wait 15 working days again for a response and decision. It’s was 15 working days yesterday 23rd of May. I called today and I was told they don’t have any update yet so the lady said she’ll send a chase to the team and to call back next week.  It keeps getting frustrating. They gave a timeline and they are not going with that. Do I still need to wait or it’s time to do something else?      
    • You cant get a default judgment if they have acknowledged the claim
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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. 

      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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How do I delete my membership? "Contact us" on the profile has been ignored

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Like it says.


I won't go into detail and I won't enter into any further correpondence but, because of the reception I got for suggestions of sound advice and places where more specialist support could be found - and the debacle in that particular thread that has been unfolding since - I no longer wish to be associated in any way with CAG forums.


I dare say the quality of support is, in general, excellent but I have had enough of the hostility here for my positive contribution on the subject I hold close.


Interestingly, I now note there have been historically other people here, in a similar situation while pursuing a similar topic, who have been subject to the same treatment and have felt the need to react similarly, all of which which only serves to highlight the questions I have over the reliability and impartiality of advice given on this site.


I have requested my membership be deleted on two occasions via the "contact us" facility in my profile but have not even had an acknowledgement, hence the ironic and unfortunate need to make this request, to an organisation championing a Consumer Rights, publically via their own consumer rights forum.


Can a mod please action?


Good bye



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Strange, you have been a member for 4 years yet now you are upset.Don't get me wrong, me and cag have had our spats but I see nothing that suggests rudeness . I would just go quietly away . How can we know who you are anyway?

Any opinion I give is from personal experience .

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We dont delete membership...you can either log in or not its your choice...but in all of your 7 posts in 4 years redirecting another poster to other sites...this we will not tolerate and therefore it was necessary to impose the moderation.


When a poster who has only ever made 7 posts in 4 years and the majority of them all to one thread...starts advising the poster to go elsewhere..it is only right that we impose moderation and protect our subscriber.Of course the subscriber is free to view as as many forums as they wish to seek sound advice...but that must be of his own choice...not being forced to.






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