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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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Can consumers trust companies ?


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It is now being reported that Mitsubishi offices have been raided, after the company admitted that some of its vehicle performance statistics produced were not true. This follows on from the VW scandal, the latest of which is that apparently VW might have to buy back vehicles sold in the US at a cost of approx. $7 billion.

 

Can we presume that most vehicle performance stats produced by a company or on their behalf are unlikely to be true ? The stats are likely to be manipulated so they compare favourably with similar vehicles and have nothing to do with the performance drivers will experience.

 

In regard to totally different products, it has been widely reported in the media that many household appliances are now so poorly made, that they will not work for the lifetime expectancies previously experienced. And in the worst cases, some appliances now represent a serious fire hazard, as seen by the number of household fires caused by washing machines, tumble driers etc around the country.

 

Are some products now being made with very cheap parts, as companies look to sell them at a cheaper price, but maintain profit margins ? The products might pass any safety tests conducted after production, but can consumers trust that they are buying a safe product, that will last for a reasonable amount of time ?

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Short answer: NO.

With regards to cars, I bought a Toyota Aygo 2014 new and it promised to do 60mpg.

I have never done more than 40mpg even on motorway at steady 60mph.

Dealer said it's normal.

I find it abnormal that a new car does a third less mpg than advertised.

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By the very nature, a company is there to make profits to its shareholders. nothing else matters,

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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By the very nature, a company is there to make profits to its shareholders. nothing else matters,

 

But the duty is to promote the long term success of the company.

Arguably, fiddling mpg or exhaust emission testing gives only a short term gain, as longer term it costs the company (in terms of reduced sales when the scandal breaks, fines, and compensation payable).

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But the duty is to promote the long term success of the company.

Arguably, fiddling mpg or exhaust emission testing gives only a short term gain, as longer term it costs the company (in terms of reduced sales when the scandal breaks, fines, and compensation payable).

 

Problem is, comapnies are also run by accountants reporting to share holders.

 

Unlike places like Japan, companies in the west only worry short term and by the P+L and Balance Sheet and return for shareholders

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Problem is, comapnies are also run by accountants reporting to share holders.

 

Unlike places like Japan, companies in the west only worry short term and by the P+L and Balance Sheet and return for shareholders

 

VW more than doubles emissions costs to €16.2bn

http://www.bbc.co.uk/news/business-36112333

 

£12.6 billion is a pretty significant sum to explain.

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I was reading earlier what is going on in the US and it sounds like another financial crash is around the corner. When Wall Street crashed in 07/08, US Treasury bailed it out. The big 6 Banks in the US are holding huge liabilities due to gambling on financial instruments. There is widespread corruption going on and some of it is being investigated. It might make any wrong doing by UK Banks look pretty lightweight.

 

US authorities go after foreign companies agressively, but often turn a blind eye to the conduct of their own companies.

We could do with some help from you.

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Of course we should trust companies! They have our best interest in their hearts!

 

They do god's work and we should feel privileged.

 

Those who doubt this should be locked up in jail (run by the companies!).

"Ask not what your country can do for you, ask what you can do for Poundland"

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