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    • Our price is the same all day, but varies day to day. Yes there's a risk of high prices but it has never gone above SVR any time since I signed up. Last 30 days average 17.67p/kWh, max 20.67 and lowest was 11.83.  It saved just under £300 during 2023.  
    • It you had E7 in the past but have converted to single rate then the meter will still hold the last recorded Night readings. This introduces scope for error when manually reading. If the meter has only ever been used on single rate then there's only one figure that can be taken. For example ours shows "Rate 1" reading and a "Total import" reading, but they both give the sme figure. If it has ever been on E7 the total will be higher, including the retained night reading.
    • okay, perfect and thank you so much for the help once again. so firstly i am going to initiate the breathing space, during this time it's likely ill receive a default. when i receive the default are you aware of how long it will take for me to know whether the OC have sold it off to DCAs? Once it's with the DCAs i do not need to worry as they cannot issue a CCJ only the OCs can Even if i decide to come an arrangement with the DCAs no point as the default will remain for 6 years paid or not paid I should only consider repayment if the OC still won the debt and then issue a CCJ? Just to confirm the default will not be seen after 6 years? No one can tell I had one then after 6 years ill be all good?
    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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
        • Like

Me VS Cahoot


VentedSpleen
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Hi all, am somewhat down the road to reclaiming my bank charges (£1100) from a cahoot current account. As I got the ideas and advice from here I thought I'd let you lot know what I've been up to. I used the letter templates from the which? website.

 

Here goes:

 

17th October 2006 - Ask for a list of my charges

 

7th November 2006 - Asked them again

 

13th November 2006 - They sent me a list of all activity for the past 6 years rather than charge me and do a Data Protection Act search...rather nice of them. One highlighter pen later and I'm ready to ask for it back:

 

15th November 2006 - I ask for it back

 

28th November 2006 - They say no (by email)

Later that day - I send letter prior to issue.

30th November 2006 - They send email saying they're not budging.

 

11th December 2006 - I issue the claim with MCOL.

 

22nd December 2006 - They Acknowledge the claim (damn them !)

 

12th January 2007 - They Submit their Defence and offer me half.

 

20th January 2007 - I send the allocation questionnaire to the court.

 

Presently I'm writing my response to cahoot, will probably say I'll consider accepting providing they clear the overdraft and close the account (~£630) as that would add up to roughly what I'm asking for anyway. Doubtless they'll say no, but can't hurt.

 

Anyhoo, thats what I've been up to; sorry I've not contributed before now, especially since I've been looking here for guidance throughout. Thanks you lot, will keep you posted.

 

VS

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Hi Me.

 

It looks as though you've got it all under control.

Don't let them distract you from your purpose....Stick to your guns.

 

You're on the home straight now.

 

Regards, Rooster.

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  • 3 weeks later...

Hi Ventedspleen.

 

Heard anything from either Cahoot/Abbey or the court yet?

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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After they offered me half, I said yes but only if they cancel the overdraft and call it quits as well. Unsurprisingly, they said no but wanted to know if I still wanted half.

I said no (not as full and final payment anyway), so am now waiting on a court date to force their hand. Allocation questionnaires had to be in by the 3rd of Feb so won't be long now ...hopefully.

Not particulary worried, going by the histories of everyone else on here, 'tis only a matter of time now.

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  • 1 month later...

Been away for a few weeks -just got married in vegas!- and came home to find a letter dated 1st March saying they'll settle in full and another with a cheque for £1388 in it!!

 

They'd even added interest (which I hadn't asked for) and added an extra £100 onto my legal costs! Which was nice.

 

Cheque is in the bank and will clear in the next few days -donation incoming!

 

Thanks a lot you guys, this site has been the best thing I've found on 'tinternet in ages.

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