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    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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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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BES Utilities


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First of all, it will help us a great deal if you would space your story properly and also punctuate it properly. In the middle of the large block it gets rather garbled and it's really quite difficult to work out what you are saying. This will tend to put people off helping you. Also on a smaller screen a solid block of text is very difficult to read.

I'm still trying to understand exactly what's happened here and it would be helpful if you would repost your story using a bullet pointed chronology without too much narrative and too much commentary please.

It's a shame that you respond to a cold call like this. Particularly from companies like BES. You clearly didn't do any research before you decided to throw your lot in with them – big fail. I suggest that you start looking around the Internet and you'll understand what a mistake you made.

However we can help you – but we'd like to understand the story please

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Thanks.

Yes if you could put it up in a bullet pointed chronology then it will be easy to understand.

The objective is to understand the contract and the BES failings so that we can challenge the contract and say that they have breached it sufficiently for you to treat it as terminated.

Of course we may not be able to do this – but let's have a look

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Just now, dx100uk said:

i have made post one somewhat clearer for you

 

dx

 

You're all heart 😍

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  • So you received a cold call from a broker.
  • You have now learned that the broker works for BES. – Did he present himself as an independent? Did he say that he would find you the best service, giving the impression that he was going to look through a range of suppliers?
  • They failed to take a closing reading from the previous supplier
  • this meant that your new bill was fairly open ended because they assumed a closing reading – is this correct?
  • So you received a very large bill that based on an estimated closing reading and also an estimated forecast reading and you are disputing this bill.
  • Because of this you cancelled the direct debit because you are worried about the amount of money leaving your account.
  • BES then decided that you had left your contract and they charge you a higher rate and a higher standing charge.
     

 

Now I don't understand how Opus comes into it. Were they your previous supplier? Because you referred to BG Lite as your previous supplier.
I don't understand this:
 

Quote

- so they way under estimated the reading to bring mine as excessively high usage and thus landing the big bill

 

You then discover that BES are actually charging you based on your ex tenants meter which in fact is disconnected so that it is not producing any readings at all???
You then started dealing directly with BES on the telephone to try and resolve the problem – but I expect that you haven't recorded your call so you have no evidence of what was said (read our customer services guide – and Pay Attention to It!)
Now I've lost the thread completely – I don't understand how you suddenly only owe them £199.

And I think it would be helpful now if you went over it and explained it more carefully – less narrative and in a bullet pointed chronology.

 

However my immediate advice is to stop dealing with BES on the telephone or at all until we understand the situation.

At the very least, the fact that BES charging you on the wrong meter and also that they failed to take proper readings at the beginning of the contract – and all of that within a very short space of three months – which represents the entire contract. So far, suggest to me that they have fundamentally breached their contract and that this will give you a basis for saying that they have terminated the contract by their breach.

Of course they won't come quietly on this and you will have to litigate that we will help you if you want.

However, I'd really like to understand the whole story first.

Read our customer services guide and implement the advice there in future.

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By the way, what is the position for changing suppliers with a business energy contract?

Can they block you until your bills are fully satisfied? Or do you have the right to change your supplier regardless as in a consumer contract?

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I understand that contractually you aren't allowed to leave but can they actually block you in some way?

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Summary????

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