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    • it's 85k of turnover (well, now £90k). However, you're digging yourself into another hole here. That ship has probably long since sailed. Is it worth pursuing this? You're not going to get anything back from it either way.
    • Hi,   A few pointers from yesterday to take note of evris cpr 27.9 failed again so we should really make issue of this also their WX fail to comply with CPR so again we should take issue with their statement of truth  you cant get tort if you get damages under subsection 7 of CRA because its double recovery  - not sure what we think of this? however its the first time i saw the judges make reference to your non automatic rights from s49 which s54 and 57 assist with. We should start stating this specifically for claims as I think its much better than just 49 and 57 as we need to make it clear where our non automatic rights come from as 54 automatic frankly dont help  I have sent the claim form and defences to the admin email because I can’t upload them for some reason as it wont let me but thought this may help as its the first time we’ve taken tort to trial. although i think the DDJ was honestly struggling to understand some parts of the law because he was asking me about them and how he should interpret them, especially for the automatic. Will apply for transcript if you want it?
    • I decided on confrontation - which I hate.  Omg the arrogance of the driver.  They refused to say who had given them the alleged permission to park on the private land - unless I proved ownership.  I couldn't believe they could be so objectionable.   They advised they couldn't take public transport to work as they lived too far away.  They couldn't rent a local garage as none were available. I simply said that's their issue not mine. It was infuriating that this person had such misplaced entitlement.  However I decided to humour them and show them the title deeds.   They couldn't respond.  Although at this point they alleged some guy in a city up north - whose name they couldn't remember - gave permission!!    They then asked if they could buy the garages and land!! Yet can't afford to park on a meter !! They seemed to back down and agree to now park elsewhere.  I hope so. 
    • I've worked out the contractor invoiced apx 250k - Without adding vat to the invoices.  So based on above he should have added vat to all invoices once he reached 85k?  Obviously he had to pay his labourers - would those payments get taken off what he received?  Or it doesn't matter cos he invoiced for the high sum?
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    • If you are buying a used car – you need to read this survival guide.
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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.

      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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Halifax give me the hump!


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I have so much beef with Halifax. From the 22/1/07 to 29/1/07 they have taken £120 bank charges from me and will be taking a further £129.00 tomorrow (Monday 5/2/07)

Halifax paid a switch payment for £4.62 and are now charging me £30.00 for doing so!

To add more insult, I took out a loan before Christmas and asked that the re payments start on 31/1/07 as that is when I get paid. All was agreed (by telephone I might add)

They rejected the loan payment on 23/1/07 and I have been charged a further £39.00.

They did send a nice letter on 29/1/07 which I recieved on 1/2/07 stating it was unfortunate they rejected the loan payment and could I ring them to make payment.

I then received another, rather nasty letter dated 30/1/07 stating if I ignore this letter they will seek further action to recover the debt. This is for the loan payment due 23rd February 2007!!!

I thought it was illegal to send 2 debt letters for the same debt within a day of each one?

I feel so stressed out as I have to work full time as my husband no longer can as he is disabled (Due to a misdiagnosis at the hospital) and I just seem to be working to pay bank charges.

Now they have taken all this money, I do not have any money to live on for the rest of the month and so the sorry cycle will go on where they will pay items, reject others and charge me £30.00 a time for the priveledge.

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That's awful...start taking action to get those (and all the others you've had) back. Banks LOVE kicking people when they're down and now is the time for us all to stand strong together and get these unlawful charges back. I had a similar thing a while back, they ended up taking £360 in a week. I was almost in tears out of sheer frustration when I was on the phone to them at the time. They just do not give one solitary sh1t about their customers or the circumstances we sometimes find ourselves in.

 

I hope you can get it sorted...the people on here are brilliant and there will be people that have been in the same situation as you that will know the best course of action for you.

 

Good luck and don't let them get you down.

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Hi Iona firstly dont let them get you down they are in the wrong not you this is YOUR money and through this site you will claim that back and have the last laugh, i know it seems hard to believe because the bank will make it sound so but stay focussed and read up as much as you can when you can. start a thread in the relevant FORUM so you can update it when something new happens so as peeps can help you when you cant find the answer yourself.

 

Firstly send them a S.A.R - (Subject Access Request) which can take up to 40 days to arrive, use this time to read up.

Secondly TREAT THEM AS THEY HAVE TREATED YOU OVER THE YEARS.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

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Thank you so much.

I felt so totally alone with all of this and to be honest, very ashamed I was in debt, (only due to bank charges)

I feel a wave of relief and alot stronger that people are rooting for me (and others in this position) and all the help is here from all the good people on this site.

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Do not feel ashamed you have nothing to be ashamed of it is the banks who have been caught with their hand in our pockets and it is the banks who will have to answer to this. I often think of all the times they made me feel powerless to act and always assumed they were acting lawfully, never gave that a second thought and the weeks sometimes totally skint due to charges and phoning them to get a ITS your fault your in this situation stance.

Its payback time and as i said earlier TREAT THEM AS THEY TREATED YOU OVER THE YEARS.

 

Send your sar (link sent) then read up loads whilst waiting

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Go for it Iona..

 

I am in very similar circumstances as you.. hubby not well, DD's coming out on the wrong dates etc.. I have also made numerous phone calls trying to reason with the Halifax to no avail...I know you feel deflated at the mo but you will soon start to feel better when you get the ball rolling.. The people on this site are amazing! I sent my prelim off on the 02nd of february and they charged me again the same day! :mad: But instead of feeling down I thought hmmm I can let em borrow it for a few weeks.. CAUSE IM GETTING IT BACK :D..

 

I will say though that I phoned for my statements and they arrived in 7 days.. I have noticed that people are sending SAR's and having to wait a long time till they get their statements.. It is up to you, maybe order them by phone and send a confirmation letter out to say you have ordered them and they have 40 days to comply etc... Have a feeling you will receive them quicker..:rolleyes:

 

I will keep an eye on your posts and if I can help I will...

 

AtMoSpHeRiC XX

26/01/2007 = Requested 6 Years Bank Statements.

02/02/2007 = Received statements, charges £1,684.

02/02/2007 = Sent Prelim Letter recorded delivery!

:D

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