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    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
    • DN is ok DCA NOA is ok, though not one from Newday saying they've sold it. agreement states esigned on a sunday at 11am?? really??  but no typed names or tick box nor any IP address used. if the date is correct then poss ok, it that your correct address for that time of take out? but if not, then that could simply be a copy of someone elses they've used with you details copy'n'pasted over theirs. the agreement details separate T&C's in at least 8.4. a full set of T&C containing your correct address for the time MUST be included. failure renders the agreement unenforceable... have you the T&C's too? dx
    • Npower and Scottish Power and others have always had regulations that require them to treat customers fairly - the threads here and my experiences demonstrate that those regs are little more than useless.   Even Octopus recently spent month after month saying they needed to increase my monthly payments despite my credit balance slowly going up TWICE I had to reset it online back to prior payment as they unilaterally increased it unilaterally. Raised formal complaint and they than said i was paying too much and reduced the payment, again without my agreement, although that time at least they told me they were doing it.   .. and Octopus has been one of the better ones.    
    • Thank you. You left all your personal details showing on the invoice, but I've removed them. From Googling it seems the free parking is limited to one hour.  You stayed two.  There is no point appealing, you did overstay.  That's apart from the fact the private parking companies are just interested in £££££ and never accept appeals. We have other Iceland cases, Iceland as a company refuse to have these invoices cancelled. So it's up to you. Pay £51 and the matter goes away. Or refuse to pay.  Horizon very rarely do court.  We would support you all the way. 
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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.

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      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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Repossession of goods - help!


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I have just been sent a court note (doesn't look like a normal summons) because a lender has reactivated a case that was adjourned when I returned a car on HP to them. It says 10 minutes has been allocated for the hearing. The lender sold the car and is claiming costs due under the HP agreement of about £2,500 plus collection costs of about £1,000. I only borrowed £10,000 in the first place and the finance co. have now had £13,000 back after selling the car so they're just going after their pound of flesh:evil:. Will I likely be CCJ'd into paying the balance? Is the finance co. likely to take enforcement action? All advice greatly appreciated.

"Why CCJ when you can CCA!"

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Hi was the origanal case defeered or suspended or were they given liberty to restore at a later date if you defaulted on the court orders ?

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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I handed the goods back and offered monthly payments but the finance co didn't take me up at the time on that and had the case adjourned with liberty to restore. This was before any hearing took place so no court orders were made.

"Why CCJ when you can CCA!"

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How long ago was the original hearing and did you attend ?

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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There wasn't any hearing at all - the lender just adjourned with liberty to restore before the hearing due date (back in July) because I handed the car back. They auctioned the car off and are restoring the action to collect the outstanding amount plus collection penalties.

"Why CCJ when you can CCA!"

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Did the finance company get a court order to repo the vehicle ?

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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I wold pm a moderator for further advice. As if the court had ordered the repo it would be diffrent but because you did a voluntary one. I do not know.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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SEarch for moderator in the above search bar. look for barracad as he is a moderator. Also bookworm when you click their name you will have the option of pm them. If you found my advice helpful click my scales.

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CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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Thanks Karnevil!! The note reads thus:

 

TAKE NOTICE that the ADJOURNED RETURN OF GOODS HEARING will take place on XX February 2007 at 11:00 AM.

 

At xyz county court

 

When you should attend.

 

10 minutes has been allowed for the hearing.

(a load of guff about deaf / hard of hearing lifts out of order etc. follows then that's it)

 

As I said earlier the car has already been returned and the money they are chasing is about 60% charges and penalties. I have made them a settlement offer of a figure that excludes these charges.

"Why CCJ when you can CCA!"

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  • 1 year later...

In Nov 2006 i purchased a vehicle from a Volkswagen franchised retailer for £24000,i purchased the vehicle on hp through Volkswagen finance uk,i have since found out in (Dec 07) the vehicle supplied is not the vehicle i have been paying £500 a month for,it is not the correct model,the specification i paid for was an se sport but i have been sold a standard vehicle with options,it clearly states this on the invoice and the contract i signed,Volkswagen have also indicated in writing i have been provided the wrong vehicle but they state i have now signed the agreement,i cancelled my direct debit in March and told them i have repudiated the contract as it is not legally binding,they say i have no right to do this,i stated i want to be brought back to a pre contract state i.e all money back from the date of contract which is upto now £9000 which includes my deposit,they have failed to report any default on my credit report for 3 months missing payments,because i threatened them if my profile was damaged i will sue for damages, i have an a1 credit rating and never missed or defaulted in my 40 years,they have failed to respond to my demand of the £9000, yet they have not taken the car even though i have insisted they get a court order to reposses,or when i receive the cheque for the money they can have the car.The dealer that sold me the car has offered me £16500 to buy the car back leaving me with £3000 outstanding on the finance,or a cash offer of the difference between the 2 vehicles to which i have refused. this has been ongoing for 6 months :evil: Any advice would be greatly appreciated

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  • 4 months later...
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