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threads merged for clarity. Looks like they've accepted F&F and you have proof of acceptance. See what they say on your credit report, it can take a couple of reports to update depending on when Barclaycard declares it as partially settled/satisfied. Best not to post up and go radio silent though. -
So you have your refund? If you have your refund what's the problem?? What money have you wasted in getting a refund/ how have you wasted money in getting a refund? You can't sue them because they took too long to refund. The emails I gave you earlier were because I thought you didn't get a refund yet. If you already have it im not sure what your expecting? -
Octopus are very approachable so I would suggest you contact them, advise them paying the amount in one go is going to cause you hardship and ask if it could be paid off at an agreed rate of an additional £xx to the next few months bills. I'd be surprised if they didn't agree. -
Dear Forum Can someone read the letter I received from Barclaycard and comment, I made an offer for full and final settlement of a Barclaycard debt and received this letter as terms of the agreement and acceptance of my offer. I have paid the money. My credit file is still not updated to show the settlement and when I enquired on the phone, they confirmed the account was closed and I would not have to pay the outstanding balance, I pointed out that the payment I made was for the final settlement of the outstanding balance, and that they agree to clear the rest of the debt and why were they still referring to a balance, the person went off and spoke to a manager and said what they mean by clear the debt is to clear my liability to pay the balance, that is not how I understand clearing a debt to mean, I did not argue further as I thought to wait to see how the settlement is described in my credit file when it is updated as sometimes the person you talk to on the phone does not know what is going on. They are saying there is nothing to pay and the account is closed, but I worry are they up to something? Barclaycard.pdf -
By Ethel Street · Posted
bobandi, Has your Ex made a domestic abuse/violence allegation about you to police, specifically that she is a victim of financial coercive control by you? Are you currently awaiting a CPS charging decision, presumably under the Domestic Abuse Act? You said earlier that you are expecting a decision on whether to charge you this week or next. If this is your position I assume you are on police bail. If so is it a bail condition that you do not contact your Ex? So can't ask her what her debts are?
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If you are buying a used car – you need to read this survival guide.
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Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld
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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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A2Dominion - Housing Association property flooding - damning ombudsman report
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Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available
BankFodder posted a post in a topic,
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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