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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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    • If you are buying a used car – you need to read this survival guide.
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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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Mobile Network Plans To Block Adverts


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The war on mobile ads is heating up in the European Union as several mobile carriers are preparing to block these ads on their network. The latest carrier to be considering such a move is O2 UK.

 

O2 & EE customers could soon be browsing the web free of adverts, as the company has admitted that it is in the “well advanced” stages of testing the technology that would see ads automatically blocked network wide.

 

 

http://news.sky.com/story/1594267/mobile-network-plans-to-block-adverts-on-devices

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Ads are extremely annoying of course and I hate them just as much as anybody else. On the other hand, organisations such as the Consumer Action Group depend on the small amount of revenue that they produce to keep on going.

 

We received hardly any donations at all and if it were not for the revenue that we get from people clicking ads, we would probably no longer exist.

 

These kind of moves by O2 – and which might be followed by other service providers, will play into the hands of banks, large stores, debt collectors, bailiffs, payday loan companies – and all the other people who somehow or other seem to go out of their way to do people down so that they are forced to resort to a free self-help resource like ours.

 

The same goes for ad blockers. People who put ad blockers on their mobile phones and tablets and so forth – well I can't say I blame them on the other hand, do they realise that what they are doing is that they are leaving the way open the large well funded organisations to put their own material up on the net while closing down access to the probably – millions – of small organisations around the world which are concerned with consumer rights, free speech, political transparency and so forth.

 

Ads may be evil – but they are an extremely necessary evil, unfortunately.

 

It is the click through ads on this forum which are paid for by the very people who cause the problems – the loan companies, the banks, et cetera which allow the 1 million visitors who come to this forum every month to get information to defend themselves.

 

Unfortunately, almost none of those 1 million visitors ever stop to say thanks or to make a donation.

 

If ads dry up then we may well dry up as well pretty quickly.

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I have adblock, I enable it only on sites that have annoying or intrusive ads. Sorry to say I disabled it on this site because of the amount of space they take up under the header. I believe there are better ways to display them.

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thats one of the things, some sites' ads are just too intrusive/excessive/over the top etc. and cld even lose the viewer in the first place once an ad or ten pops up.

but, as you say bankfodder, some sites need the revenue just to keep going.

adblock plus for eg gives the option to allow unobtrusive ads, which is fine imo. maybe thats one poss way forward re compromise.

then there is the issue re data hungry ads (especially those auto video ones). some still pay/mb for their internet data when on mobile/tablet, or even have limited broadband.

and there is the issue of compromised ads (the popular daily fail recently had malware ads on their site), and unwanted tracking beacons in the ads.

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I have no problem with ads on websites which tend to translate on both desktop and mobile devices. They're just 'on page' and they do provide revenue for the site owners. The biggest issue I have are the ones that have somehow permeated into apps, and will pop up full screen, often with no obvious way of getting rid of them, and then lead you to spurious web sites. These aren't viruses either — they are 'legitimate'. I don't think the mobile operators will be able to block those as they are powered in-app.

 

I think BankFodder is so quick to call for donations to this site, lambasting the "1 million visitors [n]ever stop to say thanks or to make a donation" (s)he is missing the whole point. Still, I suppose when this site is now apparently so desperate for cash that it has to call for donations with every story, suggesting that the whole site could close at any moment, it's not surprising.

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I think BankFodder is so quick to call for donations to this site, lambasting the "1 million visitors [n]ever stop to say thanks or to make a donation" (s)he is missing the whole point. Still, I suppose when this site is now apparently so desperate for cash that it has to call for donations with every story, suggesting that the whole site could close at any moment, it's not surprising.

 

That's a bit mean if I may say so London blue. This site has been helping out desperate people for nearly 10 years now, it's run by volunteers. Thank goodness they were here when I needed them.

 

And it's a "he" BTW.

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