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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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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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allocation questionnaire form n150


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i`ve received the more complicated AQ form N150 and am a bit stuck on part F - Proposed directions .

 

it says - Have you attached a list of directions you think appropriate for the management of the claim ?

 

I have read the AQ templates but still dont get if i should be attaching anything here , and if so ,what ?

 

Has anyone had this form and could anyone help me out please ?

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I dont think you will have any proposed directions and hence no need to attach a list.

 

HTH

 

Glenn

 

PS i didnt attach anything to my n150

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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One last question - if i put myself as a witness what do i put when it says ` witness to what facts ` ? Much as i would love to say i`m witness to the facts that the bank has bled me dry , i dont think thats right ! Can anyone help please ?

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its baffling me too ! As i`m going to take mine to the court myself to return i will just ask them there and add my address then if i need to . The rest of it is done apart from the witness fact bit and i have just updated my spreadsheet of charges with interest up to date .Its all blood ,sweat and tears isnt it ? Good luck !

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i have no idea what to put ! Was thinking of putting witness to the facts that charges levvied on my account are unlawful under Common Law,Statute and recent Consumer Regulations .

 

Or something ...? I`m at a loss .

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I have checked out loads of threads trying to get an answer on this for you but no-one ever seems to get an answer on it. One mod even said to put n/a against the witness bit. I think I would put my name (and address if asked) and write "witness to the matters set out in the particulars of claim".

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thanks Bong,how about this one I asked in bobtheb v barclaycard, N150 HELP { F Proposed directions:}:confused: if i use the template for filling in section H asking for standard disclosure,is this a direction,do I need to put anything in section F:)

:grin:amount WON so far £15,021.27(12 claims):D

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I think if your claim fulfils the likely criteria for allocation to the fast track you would need to fill in here directions for standard disclosure. If they've issued you the wrong questionnaire and you are asking for small claims track then what you have put at H is sufficient and put No or n/a at F.

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I have four claims against Barclays,all different accounts,(also to keep the totals under £5000)but I think they may have sent the N150 because they intend joining them together at some point.So I am trying to fill out the form so it is appropriate to small claims or fast track:)

:grin:amount WON so far £15,021.27(12 claims):D

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I would be getting out of my depth if I tried to give you an answer to that. I know you would have to have regard for CPR28 if you want to give that a read, in the external links forum.

 

If I come across anything I will give you a shout but don't bank on it. Maybe ask a mod to take a look, cos if it does go fast track you don't want to get it wrong.

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Thanks Bong. I am going to use what you said under the witness section `` witness to matters set out in the particulars of claim `` so many thanks for your help in that cos i was flummoxed !!

 

bobtheb - i have left section F blank and have asked for standard disclosure in section H .My local court told me i had been sent the N150 simply because they had run out of N149 forms ! I have ticked for small claims track as the amount i`m owed is way under £5000.

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Just had a thought ! I have printed off my spreadsheet of charges to go with the AQ so now the total i am declaring as claiming on the AQ is higher than on the N1/Particulars of Claim .Will it matter ? the spreadsheet updates the interest . Or should i write in the amount i put on the POC and send the older spreadsheet from then ?

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I didnt think you needed to send your spreadsheet with your A/Q ,if you do ,alter the date on your spreadsheet and it will revert to your original figures:)

:grin:amount WON so far £15,021.27(12 claims):D

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I believe if you want to claim the higher amount you would need to amend your particulars of claim/n1.

 

So either stick with your original figure or amend the n1.

 

HTH

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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