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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.
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      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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Sanders vs Black Horse


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Sent SAR 13th Dec to

 

Data Controller

Black Horse Ltd.

25 Gresham Street

London

EC2V 7HN

 

Over 400 in charges against a £600 account balance (without claiming interest!)

 

Time is ticking!

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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  • 3 weeks later...

Hi there - a little bump,

 

20 days passed since SAR , I've received a letter from collections asking me to call them, a letter from Nationwide Collection Services Debt Collectors saying Black Horse have now referred the debt to them, a template letter from BH asking for :-

 

" We require payment of the balance under your agreement, within 7 dyas. This balance includes principal and contractual interest as well as default interest payable on late payments. In accordance with the CCA 1974, you will be allowed a rebate of contractual interest. This rebate will cary according to the actual date of repayment.

We may consider waiving this demand if you pay us £xxx.xx immediately, and agree to make all future payments on time."

 

There were also two other letters received virtually identical to the above - for 2 other customers quoting name,address,agreement no.

 

So - do I write again to Black Horse, copying to Nationwide Collection, and chasing the Data Controller - confirming to all that the account is in dispute - or should I do something else?

Thanks very much.

Happy New Year

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

Link to post
Share on other sites

Decided to send letters to all confirming account in dispute.

Reminded Data Controller re 23rd Jan cut off for SAR

Told Nationwide Debt Collectors - account in dispute, pursuant to s10 DPA, asked for no further processing until resolved, and only then if so warranted.

 

Posting letters today - unless someone thinks not - before midday (I hope).

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

Link to post
Share on other sites

  • 3 weeks later...

Just had it confirmed - Royal Mail lost my recorded delivery SAR !

Grrreeeaaattt.... :-(

 

New SAR off in the post in the morning, with CCA request.

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

Link to post
Share on other sites

  • 3 weeks later...
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