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    • and more positive change From next year, mobile phone, paid television and broadband companies must inform customers of any price rises at the point of sale. The changes, ordered by Ofcom, will come into force on 17 January and mean that any mid-contract price rises must be given “in pounds and pence” and in a “clear and comprehensible” way.   Taken a change of government to do it after years of bluster about it eh?   Mobile phone companies banned from hiking prices mid-contract based on inflation WWW.INDEPENDENT.CO.UK The new year plan ensures providers are transparent on prices at the point of sale  
    • Could he/ his partner set up a new internet bank account?  In his name ? It depends which country, I imagine. Most UK banks want proof of address and ID, probably more. If your friend/partner can use the house address and provide bills that could help. You would need to look at various online banks and see what their requirements are. Or there are expat accounts but I haven't looked closely at how they work. Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage) I'd have thought the DWP would pay to a new account, as long as the person they're authorised to deal with asks them and provides details. The international pensions people in Newcastle are pretty helpful.
    • HB - he has certainly given me a challenge ! I set a plan in motion. A refinance plan that would have enabled me to take time to sell one asset and sort out another for him.   The bank account blockage has hindered the plan.  His partner seems to think I can do everything w/o paying anyone for anything.  I don't mind helping - but it's not normal to clear out 2 properties, organize storage or sale of possessions, get properties ready for sale/ rent - w/o being paid.  He has the money to pay for things and services - and for my help - but the blockage prevents that. If the refinance plan could still be actioned then at least I would have some time to sell one asset.  Could he/ his partner set up a new internet bank account?  In his name ? Could I then get his pension diverted to that new account?  That would at least cover some costs  ( ie epc/ storage)
    • It's a shame that your friend didn't take care of this while he had capacity and before he left the country, isn't it? He seems to have made your mission impossible. HB
    • HB - this form and process is as I remember it from handling relatives cases.  It's a timing thing.  Which has passed in terms of my friend
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      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.  

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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.
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      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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Cartoon Head v Natwest

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Well, i have started my claim (s)


I posted 3 sar requests last week, 2 to natwest on behalf of myself and the missus, and one to nationwide.

All 3 had postal orders and i foolishly sent them standard delivery.


Got a reply from nationwide in 2 days saying the postal order had to be crossed, and they returned it, but said they would be posting copys of my statements since the account opened, free of charge, not received as of today.


Got a letter from Natwest saying they had recieved the letter reagrding my missus account (now closed) and they had cashed the postal order and data would follow in due course.


Not had a reply for my own account with Natwest, sent the same time as misuusses so i am presuming its been pocketed.


I also last week rang natwest and ordered copys of my staemnets for last 6 years, charged me a fiver for it.


Today recieved my statments form natwest that i paid a fiver for, and also the missus data, which incidently are also just copys of the origional statements, so i am assuming the SAR request is just to recieve the copy of statements anyway, so why dont folk just ring up and pay a fiver, they get them in less than a week?????


Will post LBA later tonight for both myself and the missus, not massive amounts, 125 pounds for her, just under 500 for myself, but better in our pockets than theirs, and rightfully ours anyway.


Couple of questions if anyone can oblige, shall i send the actual staement, with charges highlighted, or photocopys?


Also we here of Natwest making goodwill offers, what is to stop us making offers, ie stating i would accept for instance on my claim 400/450 by the end of ther month, and pointing out if i take em to court they will be liaible for court costs, interest payments etc???





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Hi cartoonhead,


You do not need to send statements or copies of them with the LBA or when/if you file N1 with the court. All that is needed is a list of charges you are claiming back. There is a spreadsheet for this on this site which should be self explanatory.


It is your account and if you wish to make an offer then go ahead. However, I wouldn't and I don't believe anyone else on this site would advise you to. In my experience if the claim is below £1,000 then it may possibly be settled after one or two letters. You may get a first offer of around 50% but again most, if not all, would stand firm for the whole amount (it is after all your money they are holding).

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  • 3 weeks later...

Well, got 2 standard replies before 14 days up asking to bear with them, they are investigating.(mine was later than the wifes, although started claims at same time)Sent out the 2 LBA,S on time and 6 days later (yesterday) my missus got a settlement in full, but ive had diddly.


Missuses was for a hundred something mine is over 500, hope i have a letter in the post 2day, but seems mine is being dealt with differnetly than hers, as my letter is always later.


So she was settled in full 6 days after LBA posted.


Just awaiting mine now.



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The postman doth cometh, but no cheque drops through the door.:(


Just as a matter of intrest, if i get a rejection letter and end up having to go through the court, would it be worth giving them a bell and asking just why exactly the ddeecided to give the missus her claim in full, but refused my own?


Especially as both claims have been been done exactly the same, right down to posting dates?

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  • 1 month later...

Been away fro a couple of weeks, but i have receieved an offer of the full amount, without admittting responsibility of course when i returned home and went through my mail.


Signed and posted allready.


Since i begun the claim, i have had 3x38 quid charges taken, and in the settlement letter i have signed it goes on about future charges will be enforced etc, so am i unable to claim again because i have signed for the previous claim?

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Yes you can the law is the law, and you could have crossed those points out on returning it anyway.

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