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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.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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I've recently purchased a two bedroom flat in greater manchester which has economy 7 and storage heaters/immersion heater. I only use it occasionally (maybe one week 5/6 times per year) to visit my grandchildren and I was wondering whether economy 7 was best for me. When I'm up there I would mainly be in the flat in the morning until 10:00 and in the evening from around 9:00 but I notice that economy hours in the NW are 00:30 - 7:30. Does this mean I would have to wait up until 12:30 in the evening to do before I can cook, wash clothes, etc if I wanted to take advantage of the economy hours?

 

During the day before 12:30 I may use the flat to chill out, watch tv and maybe cook lunch/dinner and I would only maybe wash clothes once a week. In other words, apart from the storage heaters and the occasional clothes wash, most of my energy is used before 12:30 as I don't stay up as late as 12:30. My questions:

what is the difference in cost between economy and normal?

Is it worth staying on economy 7 just for the storage heaters and immersion? (the flat is top floor and even in winter the heating is not used very often

Is it possible to change the economy 7 hours or is this set regionally and non-negotiable?

If I do switch and it seems better to have stayed with ecomony 7 can I switch back?

 

Thanks in advance. Never used economy 7 before so would welcome views of forum members who can help me.

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https://www.ovoenergy.com/guides/energy-guides/economy-7.html

 

Depends on who the electricity supplier is but generally speaking the tariff can be upto 50% cheaper if mainly used at night between the hours you have noted.

 

Have a look at the link above and use a comparison site to judge which company would be cheapest and whether E7 is right for you.

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  • 2 weeks later...

The simple answer is yes .

 

 

various regions across the Uk vary the time the night rate kicks in. from midnight to 1.00 am, but note they never tell you this in their terms and conditions. It is usually displayed on the meter. So get them to confirm the times.

 

 

Also be aware of the summer/ winter switching of clocks forward and backwards, old elec meters are not capable of dealing with such changes so you could easily be out by 1 hour for at least 6 months of the year.

 

 

Stevie

But watch for energy companies who misread your day/ night units.

 

 

I know of one company that deliberately got this wrong for 7 years , knew about the problem and ignored.

 

 

Your problem is only 2 or 3 energy companies will quote ECO 7 tariffs. So best of luck with That.

 

 

You could end up wih npower as your supplier and I would not wish that on my worst enemy.

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