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    • I bought my house 2 years ago. The previous owner had died. I continue to recieve parking fines and communication from DVLA in the name of the dead person, despite contacting DVLA via post to inform them I am the new owner of the property. I have sent them proof of purchase and ownership but the communications continue to arrive. Aside from using "return to sender", does anyone have any idea how to stop this and get DVLA to update their records? Not sure if relevant but the Tax class on the vehicle is disabled meaning that the price of vehicle tax is £0 per year. I assume someone is using this to get free vehicle tax which is up to them, but I'm bored of fighting with parking charge companies and getting threatening letters, as whoever is doing this is also not very good at paying for parking.
    • 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.  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.
  • Our picks

    • 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
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      • 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
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Josa v Natwest ~ 6 years with Contractual Interest


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Hi tumble

 

there are some real stars on this site, and some very good people. I am humbled by the depth of knowledge that the one's who are 'good with words' have.

 

I will post my first draft of my reply as and when i have put it all together... Again i have recieved much support from the wordsters :)

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Hi, I have a little knowlege of th FSMA 2000. This effectively gives the FSA powers to ignore the 1980 Limitations act. In other words it looks likely that consumers can go right back to the 15 year longstop when claiming against financial companies (in re endowments and the like). So as the Babks are also regulated by the FSA I think that they are on weak ground with the 6 years business.

 

Lola

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its probalby best to also inlcude the limitations act 32.1.b and c.

 

Proving you made a mistake in paying the charges (32.1.b) is relatively easy.

 

Proving concelament is also possible (32.1.c)

 

If you invoke these and the court agrees with you there is no limitation period at all.

 

Glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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defence now sorted, thanks to the guys that have contributed...Just need a few words now about LA and then await the AQ and defence sent from the court..

 

After a lot of thought i have decided not to post it up for now. Various reasons for this but the main one is the constant monitoring of the site, i believe, and therefore don't feel that i want to give them an advantage.

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Jos... do you really think it's got that bad on here?

 

My other half doesn't use this site... but is often joining in when I am discussing things. He thinks that there may be some influence from the banks on here.... I thought he was being silly. What do you think?

 

Anyway... Good luck with your defence. I haven't had to go that far in any of my claims yet... but I am sure I soon will.. Quite scary!!

Moodle

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I'm not sure about any influence, but if i were to work for Cobbetts i would be on here every day. They can quite easily work out what the next move is and pre empt anything that we do..

 

Maybe its me being paranoid.. I don't have a Tesco Clubcard for much the same reason...LOL

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ROFL tesco clubcard!!!

 

Anyway i think without doubt they are on here but then again they have to decide whether the info psoted is right or not and it can work both ways.

 

I have certainly posted or not information on my claims to 'help' the defendant see my viewpoint at times. whether it works or not is debateable,

 

i guess they may pick out certain threads/posters as worthy of monitoring, i dont for one minute think they read every post on every thread related to the relevant banks.

 

Perhpas we could ask one now!

 

glenn

Kick the shAbbey Habit

 

Where were you? Next time please

 

 

Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless

Abbey 2nd claim, two Accs - claim issued 30-03-07

Barclaycard - Settled cheque received

Egg 2 accounts ID sent 29/07

Co-op Claim issued 30-03-07

GE Capital (Store Cards) ICO says theyve been naughty

MBNA - Settled in Full

GE Capital (1st National) Settled

Lombard Bank - SAR sent 16.02.07

MBNA are not your friends, they will settle but you need to make sure its on your terms -read here

Glenn Vs MBNA

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Can you read it if you are not a member? OOoo you could be right... yes, Cobbetts could have snoops to check out what we plan and look for any loop holes in our defence...

 

With this whole defence thing... Do you have to start preparing your own defence when they submit theirs? Or do you have to wait for the court to allocate a date for a hearing? I am not clued up on this yet as I haven't had to go that far.

Moodle

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Maybe its me being paranoid.. I don't have a Tesco Clubcard for much the same reason...LOL

 

I don't have one either. They collect a great deal of info, those cards do, and use it to target sales right atcha...sorry, improve customer service to a personalised level.:rolleyes:

 

They have helped Tescos to dominate the supermarket sector and greatly improve efficiencies in its supply chain...but I still don't want them knowing when and where I buy my smokes, nor how often I top up my mouthwash! (and yes, it can get that precise).

 

Josa, if they were looking that closely, I think they would have come up with a better strategy by now!! Like rolling over and coughing up the cash straightaway, to save money!:D:D

 

Westy

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Just a note on what the banks, card companies ect might be doing on their lunch hours. Well i spoke to someone at Online Finance the other day regarding my claim, and i made reference to CAG on the phone (i have also been plastering the CAG logo all over the letters i send, and envelopes ect, and by the tone in the guys voice and the snearing way he sniggered and said "yes we are all very aware of the consumer action group here thankyou"

It kind of made me think that the guys watching my posts, ok maybe a bit paranoid, but he was very cocky and snearing, too much so if he didnt actively watch or cause trouble on here.

If i was Cobbets or anyone else, i would be, im not sure whether they could actually use anything from here in court though (i doubt it). Though it would give them good ideas on what we are planning.

Me myself, im changing tack now i have had responses back from my SAR's, im afraid i wont be publicly posting any letters i send until a few weeks after they have been posted.

I will just PM certain members to look them over :p

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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Better make sure our spelling & punctuation's up to scratch, then.

 

:D

 

I don't care if they're watching or not. Was a Hitchcock movie any the less frightening because you knew who'd done it from the start? Are their charges any more lawful because they know we're coming after them? Is the UTCCR, UCTA, DPA, CCA, various precedents and the principle of common law any weaker because they know we're going to use them?

 

I don't think so. They should be the more worried because there are people who know, or suspect, that someone is engaged in monitoring this site, like some kind of deranged communist party overseer with no social life and personal hygiene problems, and are continuing on with confidence anyway.

 

No matter how many people watch, it doesn't matter. A properly-prepared case will win - and thousands have already gone down that winning path.

 

Any watchers out there would be better employed thinking about how they can make their systems more efficient. Sucking-up suggestions like that will be handy to have on your CV if any cost-cutting redundancies are called for.

 

JMHO

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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lol@that westy :lol:

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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The tenacity shown by members of this site is commendable and should threads be studied by the opposition, if they had any sense they would advise their defendants / organisation to pay up and save themselves a shed loan on costs for starters. I say keep the thread rolling , with the help and support Ive witnessed on this site, let them do their worst , I bet it still wont be good enough. Cobbetts must be absolutely cleaning up , their partners will be on the rich list next year !!!!!

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I'm finding Cobbetts increasingly pleasant people to deal with.

So long as you keep it 'nothing personal - only business', they're cool.

the bonuses probably help, though!

W

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Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Recieved my N150 from the court, duly completed. Now a question or 2..

 

My deadline is 16th March to send it back to the court. What are the advatages, if any, of sending it back today.. both to Cobbets and the court.

 

So to the court and Cobbets i will send:

AQ

Schedules of Charges (Updated)

Draft Directions as per BF Thread.

Reply to the Defence..

 

Is that it?

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Recieved my N150 from the court, duly completed. Now a question or 2..

 

My deadline is 16th March to send it back to the court. What are the advatages, if any, of sending it back today.. both to Cobbets and the court.

 

So to the court and Cobbets i will send:

AQ

Schedules of Charges (Updated)

Draft Directions as per BF Thread.

Reply to the Defence..

 

Is that it?

 

 

I would send it back today mate.

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So to the court and Cobbets i will send:

AQ

Schedules of Charges (Updated)

Draft Directions as per BF Thread.

Reply to the Defence..

 

Is that it?

 

Hi Jos... glad things are moving along for you.

 

I didn't know you had to send a copy of the AQ to cobbetts. I thought the court did that... and I didn't know you had to send another schedule of charges etc...

 

I followed the instructions in the step by step bit... have I missed something???

 

Sorry for sounding a bit vaugue on this. I have filled in 3 Aq's before... and each time I have just filled it in & handed it to the court with the £100.

 

Now I am worrying that I have done it wrong... ARGGGHHHH!!!

 

Maxine

:confused:

Moodle

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Hi, Maxine

 

Has anything happened in the case with the AQ you filed but didn't copy? If nothing yet, send them a copy of it, quick!

 

Best wishes and adios

Westy

 

 

 

If you like my post, click the scales!!

 

Nov 1 2006 Preliminary letter

21 Feb 2007 - cheque arrived for charges+DEBIT interest +Statutory Interest! Hurray!

Read all about it: natwesttookmymoney - v- NatWest

DONATE AS MUCH AS YOU CAN TO KEEP THE SITE GOING.

 

What can you claim? Vampiress has a good idea:

http://www.consumeractiongroup.co.uk/forum/general/69877-what-can-you-claim.html

Anything I say is just a suggestion. I'm a bigmouth, not a lawyer!

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Personal choice i think Maxine. I just felt that while i'm sat here for another 10 days waiting for the deadline to approach, i may as well put the cat amongst the pigeons and send it over to Cobbets and see what happens.

 

Along with my reply to their defence. After all, they are waiting for me to give up, and if i send it they will then know that there isn't a chance in hell of that happening....

 

Just playing a few games to be honest. One of my learned friends described it as a game of Poker, i want to start playing Bluff..:)

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Bottled it today.. yesterday i faxed over a letter basically trying to show willing and settle without 'using the courts valuable time and resources'.... but then i think i fluffed it and told them that they had no chance of winning and giving them the new total with up to date interest....

 

Oh well, time will tell...

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:lol: lol

 

ahhh well like you said time will tell, it all looks good to the judge because him/her will see that (if it comes to that) that you have made every possible effort to come to an agreement and its the other side that has acted unreasonably mate.

 

stick with it

 

johnny

Dont Rush - Take Your Time - Dont always take me seriously

:p

 

If you feel i have helped you then click

Here, if you feel i have not helped you then click Here, if you want to complain about this go Here, if you would like bank secrets then go Here.

 

MBNA - Case Charges+PPI+CI+LA+Damages+costs

RBS Credit Card - Case Charges+CI+LA+Costs

Barclays - Case Charges+CI+LA+Damages+costs

Halifax - Case Charges+CI+Damages+costs

Online Finance - Case Charge+CI+Damages+costs

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It could certainly work in your favour Jos, afterall you are offering not to drag it out any further, and they already know they have no chance of winning.

 

Like you say......time will tell.

IF MY COMMENTS HAVE HELPED PLEASE CLICK MY SCALES

 

Don't be like the banks - give a little back

 

 

:D NAT WEST - WON - £4282.36:D

 

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