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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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NHS England GP register and Travel Insurance


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Are people aware that NHS England is now allowing GP practices to de-register patients they have not seen for 5 years ?

 

This might mean that those who have not been to their Doctor for years are delayed in getting an appointment, because they have to register first. And those that fall ill on holiday, might have problems with Travel Insurance. If you have not seen a Doctor for years or are not registered with a Doctor, i would suggest that you arrange Insurance by phone, so you can make Insurers aware that you are not registered with Doctors, so they have no records to check in the event of a claim.

 

See this article. Grandmother faces a £5,000 medical bill despite taking out insurance

 

http://dailym.ai/2exhnGs

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I think they have to send you two warning letters beforehand. That said, they could just say they have and there's little you could do to disprove it. Not sure where you'd stand if you insisted on being re-registered (I know my own practice is heaving at the seams) and trying to get the Ombudsman (or anyone else) to listen would be time-consuming at the very least, useless at the very worst.

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Yep, the removal process which is known as an FP69 involves your local health authority writing to you twice and if they get no response whatsoever then the patient is flagged to the practice when we'll write again and try several times to contact you in writing and on your registered telephone numbers. If all of that fails then we have to assume that the patient is no longer at that address. The process is months end to end so unless you're on a round-the-world cruise for six months it's not going to happen whilst you're on holiday. The process also involves checking inpatient lists and taking account of someone's capacity to respond.

 

If you get the letter asking you to confirm you're still resident at your address and at the same practice don't ignore it and have the courtesy to ensure that your GP practice is on the list of people to tell if you change contact details.

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Good to know there is a full process involved and if people keep their GP practice/NHS records up to date by providing new address details, then there should not be a problem.

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Yep, the removal process which is known as an FP69 involves your local health authority writing to you twice and if they get no response whatsoever then the patient is flagged to the practice when we'll write again and try several times to contact you in writing and on your registered telephone numbers. If all of that fails then we have to assume that the patient is no longer at that address. The process is months end to end so unless you're on a round-the-world cruise for six months it's not going to happen whilst you're on holiday. The process also involves checking inpatient lists and taking account of someone's capacity to respond.

 

If you get the letter asking you to confirm you're still resident at your address and at the same practice don't ignore it and have the courtesy to ensure that your GP practice is on the list of people to tell if you change contact details.

 

Sounds reasonable to me. People fail to inform about change of their address. I have been receiving letters from the NHS with names that lived in the place before.

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