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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • Thanks DX,   I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
  • Our picks

    • 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

Settled £2360 Paid In Full


thedotman
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Good luck it seem thet as you follow the guide lines you wont go wrong.:-)

If You are on benefits you must read this

 

Social Security Administration Act 1992

Miscellaneous

Certain benefit to be inalienable **

 

187- Subject to the provisions of this Act, every assignment of, or charge on-

(a)benefit as defined in section 122 of the Contributions and Benefits Act;

(b)any income-related benefit; or

©child benefit,

and every agreement to assign or charge such benefit shall be void; and, on the bankruptcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

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  • 3 weeks later...

Hi all,

 

I recieved my breakdown of all charges yesterday, and have sent my Preliminary Request letter statements today.

 

 

 

27th Dec 2006- S.A.R. letter sent

17th Jan 2007 - S.A.R. Full list of charges recieved

18th Jan 2007 - Preliminary request for payment sent (£2360)

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  • 3 weeks later...

Hi,

 

A quick update!

 

18 days have now passed since I sent my Preliminary request for payment.

I have posted the LBA along with spreadsheet today.

 

27th Dec 2006- S.A.R. letter sent

17th Jan 2007 - S.A.R. Full list of charges recieved

18th Jan 2007 - Preliminary request for payment sent (£2360)

5th February 2007 - No response from PreLim, LBA Sent

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Hi,

 

Another quick update!

 

 

 

27th Dec 2006- S.A.R. letter sent

17th Jan 2007 - S.A.R. Full list of charges recieved

18th Jan 2007 - Preliminary request for payment sent (£2360)

5th February 2007 - No response from PreLim, LBA Sent

9th February SETTLED £2360 PAID IN FULL

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Site donation on its way!

 

Only 4days from LBA being sent and they paid up. Thank you Consumer Action Group.

 

27th Dec 2006- S.A.R. letter sent

17th Jan 2007 - S.A.R. Full list of charges recieved

18th Jan 2007 - Preliminary request for payment sent (£2360)

5th February 2007 - No response from PreLim, LBA Sent

9th February SETTLED £2360 PAID IN FULL

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Site donation on its way!

 

Only 4days from LBA being sent and they paid up. Thank you Consumer Action Group.

 

27th Dec 2006- S.A.R. letter sent

17th Jan 2007 - S.A.R. Full list of charges recieved

18th Jan 2007 - Preliminary request for payment sent (£2360)

5th February 2007 - No response from PreLim, LBA Sent

9th February SETTLED £2360 PAID IN FULL

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Dotman,

 

Well done! How did you find your claim against Smile - easy, difficult, problematic? I think they're next on my list so it would be useful to know what I'm letting myself in for!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

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Congratulations dotman, and thanks for the donation.

 

Bathgatebuyer, if you read dotmans last post I think you should have the answer to your question.;)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro 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.

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