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    • Thats because this claim has not been allocated as yet hence the above hearing *Case Management " to determine the directions (N157 Notice of allocation) which will follow after this hearing. You are not requested to submit a statement but have all the details with you (claim form defence CPR CCA etc etc)   Andy
    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
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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.  

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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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:( Halifax have informed me that i have to accept there full and final settlement as this is their condition and thats tough **** basically. Could some help me in the wording for the particulars of the claim.

 

___________________________

Halifax £886.00 sent 2 letters mcol due on thursday

Halifax £2968.00 sent 2 letters mcol due on thursday

HSBC £795.00 sent 2 letters mcol due on thursday

HSBC £3100.00 sent 2 letters mcol due on thursday

Capital One £795.00 paid 172.00 not accepting 2 letters sent mcol due on thursday

Capital One £262.00 paid 66.00 not accepting 2 letters sent mcol due on thursday

I Group Still waiting for info but paid into my account £570.00

Barclays waiting for info

Welcome Finance waiting for info

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I have not got as far as you in my claim, but my friend got full settlement last month. She was sent a similar letter to yourself, before she did an MCOL, offering her approx 20% of what she was claiming as full and final settlement. She politely declined their offer and continued with filling a claim and recieved every penny, plus th 8% interest within 2 weeks.... there is a letter in the template library that you can send to politely refuse thier offer and continue with your claim to the Court.

Alternatively I have read that some people have accepted the first offer as part payment and continued to MCOL for the remainder, it total depends on your situation and how desperate you are for the money. If you can afford to wait a few more weeks I suggest you decline the offer and continue with your claim...... :-)

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:( Halifax have informed me that i have to accept there full and final settlement as this is their condition and thats tough **** basically. Could some help me in the wording for the particulars of the claim.

 

___________________________

Halifax £886.00

Halifax £2968.00

HSBC £795.00

HSBC £3100.00

Capital One £795.00 paid 172.00 not accepting

Capital One £262.00 paid 66.00 not accepting

I Group Still waiting for info but paid into my account £570.00

Barclays waiting for info

Welcome Finance waiting for info

 

Can you please list what you have done and what you have received please thank you.

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Making life easy for yourself, I see. 6 claims due to be filed on the same day.

 

See here for POc's:

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=34887

 

After filing send 2 copies of your schedule of charges, clearly marked with your claim no. + a brief covering letter asking for them to be filed with your claim to:

 

The Court Manager,

Money Claim Online

Northampton County Court

21-27 St. Katharine's Street

Northampton

NN1 2LH

 

Dear Sir/Madam

 

(Your Name) –v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

 

Please find enclosed a schedule of penalty charges taken from me by the defendant, along with interest claimed at the annual rate of 8% pursuant to section 69 of the County Court Act. The interest in addition to the amount in charges equates to the total amount of my claim, namely £(AMOUNT).

 

I respectfully request that the enclosed schedule should be attached to the particulars of my claim.

Yours sincerely,

 

Wait until you receive the Notice of Acknowledgement from the court and then send a copy to the bank’s solicitors, since they are the ones who will now be dealing with your claim

Dear Sir,

(Your Name) -v- (Bank)

Claim No: ********

Date Issued: xx/xx/xx

Please find enclosed a copy of my schedule of charges relating to the above claim.

Yours sincerely,

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thanks, really scared incase i have to go to court. didnt think they would be like this since my friend got her straight away. And HSBC have not communicate with me from the start.

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..

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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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