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    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
    • Just to clarify - it was the lender who undertook works, not me.  They racked up huge huge sums in refurb costs - which were completely unnecessary.  They have been trying to charge all the costs to me.  Of course, I refuse to be held accountable - in my defence and counterclaim.   (I refuse to  be held liable for these works costs whether vat was or wasn't added - I maintain its the lender that must cover the costs).  It was a ridiculous sum of money and made no difference to their ability to sell either.  As its still unsold.    I can see - from disclosure paperwork - that the lender ceo uses this contractor all the time on other properties - for himself and for the bank.  The payer may not be responsible for the contractor's failure to add vat - but the ceo can clearly see it's not being charged - and again and again on all his jobs.  So he is complicit even if not guilty of the actual fraud.    I admit I'm angry with them. The sheer injustice and arrogance (that they could/ can do whatever they want and get away with it - has been astounding.  It's why I have fought so hard to get justice.  This particular issue is just another niggle.  They think they are above the law; can circumvent it - with no consequences / repercussions.    Thank you dx for pointing me to the link. I will now follow that up
    • I have posted the letter off today - sent recorded delivery, so should get to the Police early next week. I also walked along the street where this happened and checked if there were any CCTV cameras or video door bells in that section of the road, but could only find one. I talked to the owners of the house with the camera but they say it is set to only cover the area leading up to the house and not really the pavement or road and footage also auto deletes after 72 hours, so anything captured would be gone now. That was disappointing. I walked along the road a bit more, but couldn't see any other video door bells or CCTV, so that didn't help.  I always thought most people have at least a video door bell these days but not in that road... 😐 So came home a bit disappointed.  If anything else happens I will post an update here, but may not be for a week or so. Not sure how long this will take now.
    • Hi all.   I've just cancelled my Virgin Media because my Wife and I are going abroad for 12 months or so. My Son will be staying in our home, and wishes to start a contract with them. He signed up to a great deal for New Customers online, and a Contract Agreement was signed online. He had a delivery date for a Self Installation Kit but it never arrived. After speaking to numerous Virgin Media Staff online, they are insisting that he calls their Pre Installation Team (I presume that is their sales Team to try and get more money). He doesn't want to speak to them over the phone. He doesn't mind doing a Live Chat, but he hasn't got an Account Number yet, so that's impossible. He even had a chat with a Team Member on Whatsapp, who say they don't have access to the information they need, so he has no option but to call them. Why can't they just be straightforward with their Communications? Is there any other option other than calling them?   TIA.
    • Hi All, I'm looking for help with a P2G claim for another lost parcel. Given the wealth of information on this site, I'm hopeful that this should be an easy one to fix, but want to be sure I have everything. On the 6th March, I contracted with P2G to send a parcel (a £600 Pioneer AVH-Z7200DAB car stereo which is not on either P2G or EVRi's excluded from compensation or prohibited items list) using EVRi, sent it off, and that was the last I heard of it. The EVRi tracking showed that the parcel had made it to the national sorting hub at 2:12 on the 7th, and then vanished. By Friday, I had started to get nervous, and so, raised an enquiry. And then another, and another - well, they weren't responding, and I couldn't get their telephone one to work, I think in all, it was more than 15 enquiries. I also raised an investigation with P2G as well. EVRi closed the enquiry confirming a loss on the 19th March, and P2G near the end, although P2G closed it claiming that I needed to send photos of the parcel as proof - which I didn't have, and I also do not have an account with P2G so couldn't upload anything (I did test, just in case), and this is why despite receiving advice on the EVRi Fb group to send the letter before claim, I haven't yet acted. I have proof of the eBay listing, and the refund, to demonstrate that which was being sent, but P2G's insistence that I have no photographic proof of the parcel with the label - I have the photo of the goods in their box before sending, but this is for the eBay listing, and so does not show it after the fact. This I fear is what P2G will seek to rely on as a defence, hence my 10 week delay on progressing with this. But, I am more than £600 out of pocket for the loss: £600 for the item and £8.04 for the delivery fee, although my claim will actually be for an initial £611.09 to cover the cost of the loss, their delivery fee, and my 1st Class Recorded stamp for the Letter Before Claim to P2G, rising to £681.09 to cover the additional £70 cost of opening the court case if they fail to respond within 14 days. This question mark surrounding P2G's request for photographic evidence, is this likely to cause me a problem? Steve
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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.

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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
        • Like

Big Claim aginst RBOS


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That was my first thought as well - but the problem is how do you prove how widespread this is ?

 

Also there is the possibility that not only are accounts transferred to loan accounts - but what if there are accounts running side by side? If they are overdrawn they are both still considered as monies owing to the bank.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Sparkie forgive me but your letter needs tidying up as rather than putting things in a nutshell the explanation appears confusing as well as being too wordy...........even to me I & know what happened:confused:

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Sparkie, Mr Miller should now know what your arguments are (nice of you to remind him) but I think we should press for the face to face meeting with our MPs prior to their meeting with Hester...In summary false fraudulant accounting.

 

Gordon Brown also has a copy of the letter John Healey forwarded to me Tuesday...i assume he is aware of what's been going on at Telford.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Sparkie, Mr Miller should now know what your arguments are (nice of you to remind him) but I think we should press for the face to face meeting with our MPs prior to their meeting with Hester...In summary false fraudulant accounting.

 

Gordon Brown also has a copy of the letter John Healey forwarded to me Tuesday...i assume he is aware of what's been going on at Telford.

 

Paul

 

Hi Paul,

 

I think they do not want us there really because we would have so much to say that we would be an embarrassment to the RBS and THE GOVT remember they have poured the tax payers into a bank ( deleted )and were made aware of it BEFORE they wasted all those billions.

 

sparkie

Edited by Sparkie1723
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We may not have to play our joker.

 

I don't think RBS would like our Joker...would they Sparkie?

 

PW

Edited by paulwlton

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Thought you might like the irony here:

 

http://www.consumeractiongroup.co.uk/forum/bank-charges-finance-industry/189419-cherie-blair-hired-pension.html

 

.... how ironic... the ex Prime Ministers wife is taking his "mates to court !!

All opinions and advice I offer are purely my own, and are offered without any liability. If unsure seek the help of a licensed professional

...just because something's in print doesn't mean its true.... just look at you Banks T&C's for example !

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OK, now I am really worried!!

I am being taken to court by RBOS and Cobbetts too!

I have only just started reading this thread whilst I wait for someone who can advise me about filling in my AQ which I have already missed the deadline for as I didnt receive the papers till after that date.

I think everyone is soooo busy helping others and I am panicking but trying to stay calm and be patient.

 

Only read a couple of posts and everyone warning you to tread carefully.... OMG! What am I in for?

(My thread:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/154389-incasso-applying-charging-order.html?highlight=router+account)

 

I will continue reading am at work, but can't concentrate as am at a loss at what to do next.

 

I think this thread may prove very informative for me.

regards

P.

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Hi photoman nice to hear from you

I think it may be a bit of sour grapes, .....as G Brown was the one that got Blair "kicked out of office" because he wanted his job Goodwin is G Browns busom buddy ........and see this as away of getting their own back, plus make a few bob at the same time to buy another cheap property ;-);-)

 

 

sparkie

 

 

There no way Broon & cronies want to see these bankers in a court cos they know doubt know precisely where the metaphorical bodies are buried;)

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Good work for actually getting to the bottom of a very complicated intricate web they have woven.

Please note I am not an expert - I am not offering opinions or legal help - Please use all the information provided on the site in FAQ- step by step instructions and library- thanks Jansus:)

http://www.consumeractiongroup.co.uk/forum/images/icons/icon1.gif

offer from A&L 24/8/07 - after case stayed

 

"What makes the desert beautiful is that somewhere it hides a well." - Antione de Saint Exupery

 

 

PROUD TO BE AN ORANGE

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Sparkie, they even tried to mislead you by claiming the archive date on your router was simply the date that Telford's archive system was created...how convenient - CMS Telford creating an archive system on the date your buisiness account was archived as a router account.

 

You've finally slotted that elusive last piece into place.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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1st contact the court 1st by phone then in writing to confirm to explain your late delivery.......... once done come back for more advice

hi, thanks

 

I did ring the court first thing monday, they have put a note against my file saying that my AQ will be late, although I haven't written to them yet, I asked if I should enclose explanation of why it was late and the girl said only if I wanted to.

I best get a letter off first thing tomorrow.

P.

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I have just finished reading all of this thread from start to finish over a few days and just want to add my admiration for your tenacity and fortitude in fighting this sorry bunch.

 

It reminds me of the title of a book I read once. It was called "Bodyguard of lies"

 

Keep at it Sparkie.

The REAL Axis of evil: Banks, Credit Card Companies & Credit Reference Agencies.

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