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    • I submitted a N9B and I scanned it here.  I just found the n244 form. No, I have not filled that out. Does that mean that they will rule in Erudio's favour now? My court case is on Tue so if I fill the form in now and send it both to the court and Drydens they will not accept it I fear.  I had no idea that I had to fill in another form as I already submitted my defence and Drydens have not addressed the Remediation issues so I thought my defence still stands, They just provided evidence they sent the deferral letters and the default letter but that's not proof I got them.  Not sure what to do now... DEFENCESARAHSWOES00001.PDF
    • twill be even better tonight and already the KP is predicted further south than last night. incredible pictures from canada and australia on glendale . so big to me it was out of view to ne camera. gonna try a drone tonight too. dx
    • n244 is the imp one please we need everything inc exhibits but not statements. dx
    • the first dn was void as it only gave 14 days not accounting for postage time so you didnt get it with 14 days remaining hence the 2019 one. pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] .............. there is not harm in filing our DN late SB defence now too. alternative whereby claimant intimates SB date=defaulted date and that has been registered months after the last payment . 1 The Claimant's claim was issued on dd/mm/yyyy.  2.The date last payment made was the dd/mm/yyyy   3.The Default Notice was issued dd/mm/yyyy and served several months after the initial breach thus the cause of action delayed by X months and the Limitations period prolonged to 6 years and X months which in effect allows the creditor to stop time running and the creditor having effective control of when a limitation period begins or even starts to run.  4.Therefore the Defendant contends that the Claimant's claim so issued is a claim in contract and is statute barred pursuant to the provisions of section 5 of the limitation act 1980. If, which is denied, the claimant contends that the Defendant is in breach of the alleged contract, in excess of 6 years have elapsed since the date on which any true cause of action for breach accrued for the benefit of the Claimant.  5.The Claimant's claim to be entitled to payment of £x or any other sum, or relief of any kind is denied. dx  
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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.

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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.
      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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Stonelaughter vs Argos Card Services ***WON***


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  • 2 weeks later...
Cheque received and another one bites the dust!!

 

congratulations Tom

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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Congrats, this gives me hope. Argos is one of the ones i am going to enjoy getting the most.

First Direct Data Protection 5/06/06

SETTLED IN FULL 23/08/06. £4412.30 charges plus 8% interest and court costs .

OH Halifax Data Protection 05/05/06

SETTLED IN FULL 23/08/06 charges plus 8% interest and court costs £738.78

MBNA SSettled in Full before court action.

Yorkshire Bank - Pre lim stage

Royal Bank of Scotlcand pre lim stage

Argos Card Services pre lim stage

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  • 1 month later...

I wrote to Argos today, thought you might like to share my joy at writing this letter...

 

ACCOUNT CLOSURE

 

I write regarding my account, referenced above. I have to say, along with the main purpose of this letter, that I am utterly disgusted at the way that Argos Card Services play fast and loose with the Law, the legal system and their customers in the day to day running of accounts, and also when faced with a customer complaint.

My complaint earlier this year was always going to be uneconomical for Argos Card Services to defend in court and yet, in an attempt to delay, frustrate and intimidate me, you allowed the complaint to escalate into court action before you finally settled the matter “on a commercial and goodwill basis”. Do I have to point out that if there had been any goodwill involved that you would have settled the matter some weeks earlier when I wrote my preliminary letter requesting a refund? Do I have to further point out that by allowing it to escalate into court action you increased the costs to yourself not only in the size of the refund, but also the fact that your customer service staff, your legal department staff and goodness knows how many others had to carry out additional processing related to the matter? How is this good commercial sense?

As a direct result of this individual matter, and your obfuscatory, intimidatory approach to it, you have lost a customer permanently; I will never use an Argos Card Services provided card again, and I will take active steps to discourage people I know from using them. I now feel that our relationship has irretrievably broken down and therefore I enclose herewith my Argos Store Card; please accept this letter as formal notice that our agreement is terminated with effect from 17th September 2006 in accordance with Clause 11 of the terms and conditions. You will note that the balance is clear.

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Do I have to further point out that by allowing it to escalate into court action you increased the costs to yourself not only in the size of the refund,

 

Not to forget the taxpayer's money, which subsidises the Court system.

 

Nice letter. Of course, they won't take a blind bit of notice, but hey, it makes you feel better. :-D

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  • 2 years later...

Hi guys, bit worried, need some help please. I am not the most legal sighted person and have been bluffing argos for some time now. I have asked for £284 back and have the standard 'we will give u a goodwill of £75' which i am not accepting. Anyway I recieved court letter today as I am fed up, have sent the 2 letters giving them time to cooperate but no joy so they have till 2nd Nov to reply. Does anyone think they will actually go the full hog to court and if so I dont really know what I am doing and am worried I will lose and waste my time??? Please help....

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  • 10 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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