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    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
    • Speeding (Revised 2017) – Sentencing (sentencingcouncil.org.uk)  
    • upload sites dont retain copies and so what if they do... what do you think they are going to do, kidnap your grannies budgie or something..how the hell would any of the info required by us be of any use to them..... stop being paranoid and put them all in one mass multipage pdf.  
    • https://audicam.audi.co.uk/customer/6660055/00cc584e9769699ddba3807a2995032f/59022-13062024 Please let me know if you can access footage 
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    • If you are buying a used car – you need to read this survival guide.
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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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Evans GF vs Lloyds


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As you have filed your N1 you are entitled to your statutory interest back. You should receive an acknowledgement of service around now and a defence and AQ in around 2 weeks.

 

You may want to send a letter as the link below:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/25716-rejecting-offers.html

 

Just how much are we talking about in interest?

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As I said in post 17 send a rejection letter.

 

When you talk about judgement, I presume no defence has been filed, thus default judgement. Did you serve the N1 on their registered office address (Gresham Street)?

 

Notwithstanding default judgement is not really the answer, see here:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/48946-curli-lloyds-tsb.html#post572354

I would want to do something then send that letter in the link above.

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If it is all too much, then leave matters for week or so.

 

But yes send that letter when you are ready.

 

Did you file on their registered office?

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That is correct. Some people do not file at the registered address and that is why they get no response - see this thread:

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/63766-order-judgement-sending-bailiffs.html

 

However, some do slip through the net.

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You can write a letter to Lloyds / SCM but they will probably ignore it, like they do will just about all correspondence.

 

It would be more effective to just carry on with your claim and file the AQ (if you have not done so already) they will pay the balance eventually.

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You do not appear to be not rude, I would just take no notice of what SCM say, they are full of nonsense and half truths. They just want to put you to more trouble and maybe get you not to file your AQ.

 

File your AQ anyway. The point of completing it is so that you get the balance of your money through continuing with the court process.

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Do not tell them they have paid you twice, think of it as payment for all the time you have expended obtaining money that they should not have taken in the first place.

 

If you have a moral issue with this then donate the money to your favourite charity or CAG.

 

 

 

edit by moderator: CAG will not condone posts of this nature. We always strive to take the moral highground and uphold our site reputation of being honest fair and true.

 

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They can only take you to court if you refuse to pay it back - not sure how you can refuse though given they will just take it anyway, just like the charges.

 

I have seen this happen several times and it has not been picked up by Lloyds.

 

If you want to be safe leave it the money for a month untouched. Think of how difficult they made it for you to get your money back.

 

 

 

edit by moderator: CAG will not condone posts of this nature. We always strive to take the moral highground and uphold our site reputation of being honest fair and true.

 

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