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    • Hello, been a while since I posted on here, really hoping for the same support an advice I received last time :-) Long, long story for us, but basically through bad choices, bad luck and bad advice ended up in an IVA in 2016. The accounts involved all defaulted, to be expected. In 2018, I got contacted by an 'independent advisor' advising me that I shouldn't be in an IVA, that it wasn't the solution for our circumstances and that they would guide us through the process of leaving the IVA and finding a better solution. I feel very stupid for taking this persons advice, and feel they prey on vulnerable people for their own financial gain (it ended with us paying our IVA monthly contribution to them)-long and short of it our IVA failed in 2018. At the same time the IVA failed we also had our shared ownership property voluntarily repossessed (to say this was an incredibly stressful time would be an understatement!) When we moved to our new (rented) property in August 2018, I was aware that creditors would start contacting us from the IVA failure. I got advice from another help website and started sending off SARs and CCAs request letters. I was advised not to bury my head and update our address etc and tackle each company as they came along. Initially there was quite a lot of correspondence, and I still get a daily missed call from PRA group (and the occasional letter from them), but not much else. However, yesterday i had a letter through from Lowell (and one from Capital One) advising that they had bought my debt and would like to speak with me regarding the account. There will be several.of these through our door i suspect, as we did have several accounts with Capital One. Capital One have written to us with regular statements over the last 5 years, and my last communication with them was to advise of of our new address (June 2019), I also note that all of these accounts received a small payment in Jan2019 (i'm assuming the funds from the failed IVA pot). Really sorry for the long long post, but just thought id give (some of) the background for context.... I guess my question at the moment is.....how do I respond to Lowell...do I wait for the inevitable other letters to arrive then deal with them all together or individually...? Do I send them a CCA?  Many thanks
    • hi all just got the reminder letter, I have attached it and also the 2nd side of the original 1st pcn (i just saw the edit above) Look forward to your advice Thanks   PCN final reminder.pdf pcn original side 2.pdf
    • The airline said it was offering to pay $10,000 to those who sustained minor injuries.View the full article
    • The Senate Finance Committee wants answers from BMW over its use of banned Chinese components by 21 June.View the full article
    • Brussels is widely expected to introduce tariffs on Chinese electric vehicles coming to Europe.View the full article
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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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Refused boarding by Ryanair - MCOL - sorry it's long!


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Update

They attended court and their entire defence was based on the fact that it is my (then) 13 year old daughter who should have brought the claim and then I should have litigated on her behalf and I therefore acted unreasonably in bringinb the claim.

 

The judge and the defending barrister both agreed the evidence I presented clearly showed that I was right in my argument and that the timeline was in fact 72 hours but, their argument re my daughter being the claimant was an issue. The judge actually said I was "scrupulous" in my approach to the claim.

 

Based on the point of law they used and the fact that aviation law apparently ousts contractual law, the judge said he had no choice but to  dismiss the case and he immediately refused the defence's request for costs, which they claimed they were entitled to due to my acting unreasonably.

 

In all honesty, we didn't win but we definitely weren't the biggest loser on the day. The judge suggested we might consider bringing the claim again but in my daughters name. 

 

The most ironic part was that the judge was a pilot so there was definitely no throwing technical airline/aviation jargon around to confuse me, he explained everything clearly and kindly!

 

We had kissed goodbye to our £££ last September so we're only worse off by thd hearing fee and it was worth it to see them walk out empty handed!!

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Totally your call on re-issuing, but:

a) as a self-represented litigant against a large business : will almost certainly be allocated to your local county court, not theirs

b) it is a lot of work, but you’ve done most of it already, so will it be the same amount on a repeat claim?

 

Would a low risk approach be worth sending them a repeat Letter of claim (on your daughter’s behalf) and seeing if they fold based on them having seen the strength of the original claim (with the technicality of the claimant resolved)?

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Defering responsibility to a child to dodge liability, deliberately keeping their cards close to their chest until the very last minute, shows you what kind of games they play. Disgusting games.

 

Congratulations on holding strong and not losing! :cheer2:Cheering for you if you take it to round 2  :cheer2:

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  • 2 weeks later...

I agree with Bazza and Kyosanto.

 

This is hassle you don't need but really you've already put all the hard work in, your case is complete.

 

In fact they have admitted in open court "the defending barrister agreed the evidence I presented clearly showed that I was right in my argument and that the timeline was in fact 72 hours".

 

I'm surprised the judge didn't disallow the argument about your daughter.  The parties are not supposed to ambush the other side with last-minute arguments.

 

Please post up a draft Letter of Claim/Letter Before Action.  Include the part that they have admitted in open court that you were right in your argument.

 

If they have any sense they will fold and pay up instantly, but never underestimate the arrogance of these companies to have to always be in the right.

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