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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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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
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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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pkir v Abbey (claim served 2nd Jan)


pkir
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Hi all, firstly I want to say how great this site is - I've had some financial trouble over the past few years due to various situations (family deaths, unemployment and husband's ill health), bank charges from ShAbbey haven't helped my situation but I'll be definately be donating to this site as soon I am financially able. The help and advice is brilliant!!

 

I've spent hours and hours looking through the threads and found all the advice I needed to get the info on my charges (Abbey delayed as normal), info for my prelim letter, LBA and I'm now up to the stage where I filed my claim (via MCOL) on 28th Dec. Much thanks to everyone who posts (especially Karnevil) as I couldn't have got this far without all the info everyone has kindly made available.

 

My claim was deemed served on 2nd Jan and Abbey have already acknowedged it and sent me a standard letter saying they will be submitting a defence. I've seen on this forum that other people have received exactly the same "we will be submitting our defence" letter which is very reassuring. Bring it on I say !! I've already started preparing for when Abbey's sumit their defence (which I'm sure they will) and when my AQ arrives and to be honest I'm quite enjoying this whole process (which is very strange because although I know the money I'm claiming shouldn't have been taken from me I'm not normally a complainer).

 

Now I've finally had the time to post this thread I'll keep it updated for anyone in the same position as me because everyone elses threads have been so useful.

 

Good luck everyone !!

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Welcome Pkir, It's nice to see someone taking the time to read thru the various threads and advice on the site, thus ensuring things are done correctly. After all, there's no real rush - apart from we want our money back asap!!. Abbey are proving the most difficult Bank it seems to take to court and are leaving it to the wire until they are forced payout.

 

But, with the help of the Moderators and other members - I'm sure we will soon be enjoying our moment against Abbey!!

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  • 5 weeks later...

Last Monday I received Abbey's defence to my claim which looked to be the standard blurb others have received and also on the same day I received an GOGW offer of £3200 as full and final settlement.

I wrote back to them on 30th Jan saying I'd only accept their GOGW as part payment etc. etc. but I said in the letter that I would accept £5030 as full and final settlement (this is the total amout of charges they've taken from me over the years + my court costs - I'd be quite happy with this as a settlement at this stage, I'm not worried about the interest).

 

Thinking there wasn't a hope in hell that Abbey would agree to this and that I'd have to go ahead and submit my AQ, as the AQ states that "all parties should agree directions wherever possible", I said in the letter that, whilst writing, should they not agree to a settlement of £5032, I'd like to bring to their attention the attached draft order for directions which I intended to attach to my AQ for the courts consideration. I asked for any comments they may have on this (this is the newish draft directions recommended on this site).

 

Unbelievably Abbey phoned me today agreeing to the settlement figure I suggested - I can't believe it !!! They said a cheque would be 7-10 days but as I have to submit my AQ by next Tuesday I told them that I'd be sending it to the court by guaranteed next day delivery on Monday if I didn't receive the settlement by then (cleared payment in my account). They said they'd try and comply with this but if I did submit my AQ they'd refund the cost of me submitting the AQ. I'm GOBSMACKED. Is this unusual, Abbey don't usually agree to offers like this at this stage do they?

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Bloody Hells Bells, Well Done you!!!!! its very liberating isn't it - I dont understand how it will take 7-10 days to get a cheque, they got a cheque and paid it in and it was all cleared within a week, did you speak to the adorable James?

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Yes, I did speak to James (the miserable so and so). They said 7-10 days for the cheque because they said they have to go through a verification process i.e. check my account to verify each and every charge I say they've taken. I can't quite believe they offered me over £3k before checking this first but there you go, that's ShAbbey for you.

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LOL when I spoke to him he was charm personified ;)

 

but he did say the same, I don't believe that they check each and every charge I think that they just say that

Lula

 

Lula v Abbey - Settled

Lula v Abbey (2) - Settled

Lula v Abbey (3) - Stayed

 

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Pkir, Well done . I have beeen dealing with James Arrandale too. Just prior to submitting my AQ I gave him a call to discuss a settlement. I have been promised full refund of charges plus a % of interest. I will await cheque and post my AQ in the meantime just in case it all goes flat.

 

James was excellent. It will save me all the hassle of court which I can do without at the moment. This may not suit everyone but I think it was the correct decision for me.

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