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    • Another one. Top Tory placed dozens of bets on the election date. It looks as if he kept them under £100, thinking they wouldn't be investigated, but the Gambling Commission is looking at potential winnings as well as the size of the bet. How many more are there? https://archive.ph/StZqL
    • Calm Down please.... there is only one way to deal with this and that is - PROPERLY. Being surrounded by 'lawyers' who deal with 'disputes', just like going to the likes of CAB, in this instance has, most probably, to date,  sadly not helping you here. Such people always project an Aura of confidence, when the truth is they don't actually have the vast successful experience of the members here in dealing with the likes BMW. there are over 350 threads here . as far i gather this is the situation, In April, a car was purchased by your son from BMW. Finance taken out to purchase it has since been paid in full, as well as full payment for an annual Insurance policy. within 6 weeks, it was discovered and confirmed in writing, via a report from a local garage, that the car indeed had numerous performance modifications undertaken. Namely being remapped and with modifications to the exhaust system. having contacted his ins co, they require a further £5k to uprate his policy, without it renders the existing insurance policy invalid, thus the car is not being driven.  again within this 6 weeks, you wrote to BMW rejecting the car (we need to see this letter please. scan it up to PDF, please read our UPLOAD guide). at first BMW were onboard, even sending their own inspector, confirming the mods etc. but in the last 9 days since said inspection, comms have now gone dead. .................. you have 2 options - 1 - allow BMW to sort the car FOC and without hassle to him, but probably within their own snails pace timeframe. 2- EVENTUALLY bring legal action - this would most probably be under contract law, not a claim under the consumer rights act . (as financially you would lose out big time) to do 2. which is not easy and rather complex to calculate the financial sum involved...... we need all the info @BankFodder has requested. of many, but one good reason for this is say for this new mot, show the old one was suspect, good bargaining chip against 2500mls usage deductions... your call but you need to do this properly or not at all...............    
    • Hi, I've been reading through many of the stories in the sub-forum and I understand the process to be to send a Letter of Claim to the EVRi - in the post and to their customer support email and to sign up for MCOL.  I have looked at the various Letters of Claim and the MCOL claim forms - particulars of claim and I have gone through all of the screens on MCOL website to put in the final details so it is ready to go after the 14 days from when I send the Letter of Claim (of course assuming that EVRi dismisses my Letter of Claim to pay me in full!).  I also see the advise is to decline any mediation particularly because I have specified the parcel contents and value to EVRi when shipping it. I have put both the Letter of Claim and the forms from the MCOL particulars of claim into a single PDF for review.  The stories in the sub-forum often indicate people shipping with EVRi but some purchase through or have involved such companies as Parcel2Go and so I wasn't sure about the statement I made in the Letter of Claim if it was totally accurate to say "I am applying my third party rights under the Contracts (Rights of Third Parties) Act 1999"? I just wanted to confirm the correct wording.  In my case the parcel shipment was paid for on the EVRi website and sent at the Tesco EVRi Parcelshop.  On the MCOL claim form I have referenced Section 57 of the Consumer Rights Act 2015 in response to EVRi customer service hiding behind their lack of ability to insure delivery of laptops and their bogus non-compensated and prohibited items as a means to avoid any responsibility for them losing such items. Thank you for taking a look to see if there are any inaccuracies or amendments to the Letter of Claim - when it is looking good I will send via email and post it to EVRi.  Having drafted the particulars of the claim on MCOL, I shall be ready to submit the claim on the MCOL site when the 14 day period has elapsed and proceed from there.   Thanks for everyone's help! Letter of claim and MCOL Particulars of Claim.pdf
    • Wow quite surprised by your response in all honesty as I can’t see where you have requested details of the car. The car is insured and that was budgeted for and paid in full, the increase of £5k is because of the modifications, which no we didn’t budget for as we didn’t plan to buy a modified car, so no that doesn’t form any part of wanting to return the car, perhaps you don’t understand the impact modifications have on insurance premiums? Thanks for your help so far but feel going the legal route probably suits us better.
    • new thread created for the court claims. please complete this twice and i'll make another thread from the 2nd PDL Claimform we need to keep them sep.  
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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like

Dubai debt transferred from IDR to J&P


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1 hour ago, dubai 5 0 said:

I got a pre action protocol / letter of claim from JandP almost 2 years ago and was advised do not reply.I didn't, and then a few weeks later got a few more of their normal emails and they then disappeared. IGNORE

for want of clarity...you were not advised to ignore a PAPLOC.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Right well that’s lovely, bite back in the bum. 
 

I’ve read through #5 on the link you’ve sent.

I  mean is it recommended to respond?

Also Do I just fill as per the instructions on there, I.e write my full name address etc as they have done 

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1 hour ago, EvaHague said:

I’ve read through #5 on the link you’ve sent.

I  mean is it recommended to respond?

Also Do I just fill as per the instructions on there, I.e write my full name address etc as they have done 

we typically recommend you never ignore a letter of claim.

not sure what your query about address? follow post 5 in the letter of claim link as advised

never run from debt.

dx

 

  • Thanks 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Just fyi it says on page two, if you fail to send this form the client MAY not WILL take action against you. This was same wording as stuff I got from IDR. 
if Dubai 5 0 was advised by lawyer and did that and nothing happened then I think this maybe be just more bolshy scare tactics 🤷🏻‍♀️

fyi I know someone who has been gone 6/7 years and gets letters all the time and has always ignored. I have been receiving letters since 2020 

totally appreciate the advice on here and totally up to you, but my experience so far tells me ignore.

the banks don’t cooperate and/or respond which is why numerous people are in this situation. 
hopefully they’re just trying to get you to confirm it’s you by any means possible 

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Thank you since it’s a letter of claim Il go with that 

This is the issue, I am struggling to get a hold of them😩 

I guess it is one of their tactics of getting you to respond so they know it’s you, but I’ve been getting them since 2020 too originally IDR and now J&P,

I’m unsure if maybe they’ve sped things up super fast because initially out of panic i called IDR when i received my first letter to make payment arrangements,

then read upon this where it was advised they’re just empty threats so I didn’t give in …

Since then they’ve heavily been on my case and J&P located my new address 

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Don’t worry

- I would go through moments of anxiety and panic too but everyone I know of has just ignored.  

We all get the same letters.

They send them in a sequence. 

I panic as we have just got a house and had a baby I wonder if they find that out they will do something, but what will be, will be.  

Letters currently go to my old address which I have access to my mail at. 

the banks don’t cooperate or respond and I have heard of one guy being “got” by dca years ago but he had been corresponding/fighting etc with them.

That is literally it- everyone else seems to ignore and has had no issues.

i think unknown just stresses people out 
 

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I’ve been having the same letters since 2017, the same cycle of letters comes every year.

 I used to panic but please please do not respond to them.

Your money will not go to the bank, you’ll just be lining this company’s pockets.

They’ve found every address I’ve moved to and still my home (Mum’s). Ignore and get on with your life 🤍🤍🤍

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its best 2032 to ask questions on your own thread......

stop panicking about being an asset owner.

there is nothing they can do, esp even more so if you are joint owners.

seems to me you are reading elsewhere with all kinds of rubbish being claimed.

dont forget most of what you read on certain websites are put there by pansy's that were paid to take a fall and publish their 'fake' stories.

i will say to people though as i can see a few doing/posting it here though, it's not a good idea to move and not inform the OC.

you are in danger of a backdoor CCJ.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok I thought so but just thought I’d check the general thoughts and experiences on that.

i have access so my mail so I wouldn’t not know if that makes sense. 

really appreciate advice though 😊

Regarding the plants and fake stories etc.

 I’ve sensed a few of those on other forums and others threads - defo take stuff with a pinch of salt 😂

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we quite suspect we have a couple here...but we wont let on which ones....

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Underp04 (I think it was him) put up the statement IDR used in court from some supposed expert mr edge.

can you find it?

It stated 10 years was the statute barred limit but also that the laws were very confusing.

very much worth digging out!

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no it's not confusing at all.

under the UAE Civil Code, Article 473

Contracts (non-commercial)

it clearly states....

15 years

 

i wouldnt believe ANY of the Mr Edge stuff as far as i could kick it.....

 

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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not if defended PROPERLY.

the only people that lost..that started threads here...AFAIK are people that REFUSED to post any documents or anything about what they were doing  at a given time/subject in the court process.

it makes one wonder their actual intent in starting a thread and ignoring all our advise..........

:whistle:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry I wasn't trying to argue with you I just thought it was a great document to have and I cant find it. He got stung in the end  but was already up against it from the beginning

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  • 2 weeks later...

I have notified my change of address to Dubai by post but not heard back from them, I have lost my proof of sending them a letter - does it matter or should I re send the letter that way I have the proof of postage? 

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no.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

all users....

please keep to your OWN THREADS when asking questions.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 weeks later...

Just hopping on this thread as I'm in the same boat.

For background, I had a claim from Moriarty/ADCB a few years back, followed the advice on this Forum (which I'm eternally grateful for) and the eventually discontinued the claim.

I recently received the same-ish letter.

What did you end up doing @EvaHague?

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Posted (edited)

I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5.


After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs? 

I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore

Edited by gigglemal
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9 minutes ago, gigglemal said:

I received several letters from J&P which were just ignored, but now I've received the same paploc Eve appears to have. As it stands, I'm looking to complete & reply as per the oft-referenced thread #5.


After reading a few comments about ignoring and nothing progressing from J&P side, I'm intrigued whether they were just general 'please contact us type letters' or letters of claim/paplocs? 

I realise for some it's a personal decision or based on advice, but given advice on here is not to ignore paplocs, what was the reasoning to ignore

I was advised to ignore the paploc by a solicitors who said it was a fishing excercise and to answer them would be removing a big weapon in defeating that of time and demanding information within certain limits. im no lawyer so dont know if that makes sense or does not.

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