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    • just noticed that one of farages favorite poops was suggesting another stealth tax of 10 quid a month - possibly per person inc children ..   Minister proposed £10 monthly insurance-style patient charge to fund NHS dentists WWW.INDEPENDENT.CO.UK ‘Working people can’t afford another Tory tax rise,’ says Labour’s Wes Streeting   “They are framing this as some kind of pre-payment or quid pro quo, but of course, we already pay for the NHS through income tax, and in general that is a much more equitable way of doing it.” The DHSC declined to comment
    • All righty, seems I know why it was so quiet, the case was in transfer. I just got a letter from my local county court stating that they will be now taking over from Nots (dated 28 May 2024, wow) But no other correspondence so far. Will keep you posted
    • Hey,  I've messaged my husband but he is not contactable while he is in work. As soon as he is on his way home I will find out which finance company we used. I'm so sorry, I just don't know.   @ Car return none identify letter.pdf
    • Okay, I have read your claim form. A pity you didn't come to us earlier. You haven't pleaded any legal basis for your claim and you haven't cited the Contracts (Rights of Third Parties Act. How long have you been aware of this forum? We will have to bring that out later when you do your witness statement. Once again, do the reading very carefully. I suggest that you wait until Monday before coming back here and confirming that you have read everything. And in particular, as I have indicated, read the thread which I posted above very carefully and in particular we the details of the contractual terms which were discovered and get a copy for yourself. Post a link to them in this thread as well for other people to see. They are relying on the fact that you don't have a direct contract with them and they are referring to a contractual term which is apparently in the contract between them and Packlink which specifically excludes third parties. You will definitely want to see this. They have tried to rely on this before but they have never produced the contract. In your witness statement you will have to request that they produced the contract in court. In terms of the mediation, frankly we would have advised you to decline mediation. It's all done secretively. Nothing is ever revealed and of course they will try to get you to compromise on the amount of money you are claiming. We would strenuously suggest that you don't give up a single penny. Do the reading that I have suggested, find the details of the contract which I have told you about which accepts direct liability to you, the customer – and post it here.
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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
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HSBC


craigten
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what are we going to do????:eek:

 

how will we cope?????:eek:

 

Is there anything on TV tonight worth watching???

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales

 

 

A prudent question is one-half of wisdom.

 

:D

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I bought casino royal ages ago and have'nt watched it yet so might give that a go!

 

Also I am off to a huge auction tommorow in stockport. Old wagons, old cars, diggers and jcb's, tractors, tools ect so will have to empty the van and trailer just incase i get carried away!:D

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  • 2 months later...

Hi there,

today i had a phone call off a company claiming that they will claim back all my bank charges, i explained that i have already done this and how do they propose to get around the problem of the current stays imposed and the current court case, they said something along the lines of that it has already been proven that they are illegal and it is just the amount that is now being argued....

Any idea why they would say this? Are they just hoping that the banks will lose their case and the company will get lucky? They wanted 35 quid too!

just so everyone knows and if anyone/all of you would like to point this out to the terribly annoying operators, their number is [EDIT] thanks!!

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Hiya craigten, a lot of companies were set up last year to cash in on the easy money from people who didn't want to or couldn't be bothered to claim for themselves, these companies are now very short of work with all of the stays so they are resorting to cold calling in an effort to generate some cash for themselves.

 

with regard to what they told you about the test case this is rubbish, the current thinking regarding the first instance judgment on the section of the test case which is being heard now is sometime in May, this might or might not let us carry on with our claims.

 

pete

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Some of these companies really are the pits, - telling porkies and falsely raising the hopes of vulnerable people. :mad:

 

You're right ,pete they're probably getting desperate for business.

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Hi, thanks for all your answers, please please please can one of you ring that number and explain/argue to whichever moron you speak to because i tried today (just because they wound me up by trying it on!!) and i would LOVE to read a rough transcript of the conversation???

Please someone do this, the operators on the phone really are morons....:mad:

 

[EDIT]

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Hi, thanks for all your answers, please please please can one of you ring that number and explain/argue to whichever moron you speak to because i tried today (just because they wound me up by trying it on!!) and i would LOVE to read a rough transcript of the conversation???

Please someone do this, the operators on the phone really are morons....:mad:

 

[EDIT]

 

i just phoned them, they charge you £39.99 for a pack so you can do it your self..lol,,

We give you all the information that you need to do it yourself.....

FOR FREE!

TOTALLY debt free as of 2007, Fantastic,

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Now, that's enterprising - if you don't know about CAG et al........:rolleyes: who can probably give you better info for nowt! :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

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Guest louis wu
Now, that's enterprising

 

enterprising - marked by imagination, initiative, and readiness to undertake new projects

 

parasite - Parasitism is a relationship between two organisms in which one organism benefits at the other organism's expense. Lice are an example of a parasite that affects many animals. ...

 

I think you were almost right:D

 

louis

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  • 1 month later...

Urgent :

 

Do not give out any details to any person offering to claim back bank charges from an unsolicited phone call. This has recently been notified as a phishing type [problem] : the relevant fraudsters will try to obtain your personal and bank details ' in order to reclaim your charges' then lo and behold you will find your bank acount emptied and your details used for all sorts of fraudulent purposes.

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  • 1 month later...

I get this phone call approx once every 2 weeks to my office at work. Its one of those automated ones. "Are you aware that the average UK consumer is owed over £1900 in bank charges"... The number is always concealed.

The wheels of the bandwagon must be buckling by now.. :p

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  • 5 months later...

Hi there, i know this may sound like a strange question but today i read in the Daily Mail an article that stated that 'Borrowers are being told that they can write-off their credit card debts and have the interest repaid because of a loophole in the law' Apparently 'Borrowers now have to prove their deal was based on an 'unfair relationship' rather than it was 'extortionate', this means a county court judge has to decide only whether the terms and conditions of a loan agreement are unfair to the borrower'. Has anyone heard anything about this please?

Thankyou-C

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The article relates to a firm that has been mentioned on here before, they charge you over £400 to look at each debt then if they succeed, big if they take 30 - 40% of the money you MAY get back.

 

they do nothing you cant do yourself for free.

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I have found the article and will refer it to Site Team for an opinion rather than posting it on here. It is quite an interesting article.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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The test case has nothing to do with Credit Card claims, these claims were never put on hold.

 

You can do a standard Penalty Charge claim against your card issuer, all of the template letters and particulars of claim are in the templates library and the process is exactly the same as a bank account claim :).

 

I suspect what the newspaper article is referring to is the fact that most credit card agreements (an loan agreements) appear not to comply with the consumer credit act, this has been apparent to CAG members for well over a year, just read any of the credit card forums or in fact any of the loan company forums and in law if certain criteria arn't met by the agreement the money you borrowed could be viewed as a "gift".

 

To find out about your credit agreement you need to send letter N from this thread :)

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

And heres a couple of threads that should get you started in the right direction once you have (or don't) your credit agreement :)

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/83035-guidelines-requests-original-agreement.html

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/112860-will-you-get-payments.html

 

pete

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