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    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
    • Hungary is attempting to be a world power in manufacturing electric vehicle batteries, despite locals' reservations.View the full article
    • You can't, but you can (and really should) bring up the point that the lender isn't meeting their legal obligations in selling the property for fair market value. You'll have to do this in court, though. A receiver is bought in by the lender, not you. If they're a registered insolvency practitioner, you may be able to raise a complaint to the insolvency service but there are no guarantees here. Many receivers are also registered with the RICS and self-regulate so if you know the name of the receiver you can check there, again no guarantees. https://www.rics.org/surveyor-careers/career-development/accreditations/registered-property-receivership-scheme
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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
        • Like

Rozanski Vs Halifax ***SETTLED IN FULL***


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Hi all,

 

I've got a quick question for you....

 

I have gone through the process of the first letter requesting my charges be reimbursed but with no reply from the Halifax so I sent a second letter out threatening court action if no reply within 14 days (ending 16th Feb)

 

meanwhile I received a reply to my first letter saying that they look in to it and reply within a max 4 weeks so I called them up just now and they said that they're having hundreds of 'complaints' a day so they are going on a first come, first served process and that i'll receive a letter this week stating a specific date within 4 weeks of when they'll get back to me.

 

now im unsure what to do really - do i proceed with court actions on Friday or do I wait for the letter to arrive with 'my date'??

 

any suggestions like?

 

ta

 

Gary

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Hiya Gary,

Welcome to the forum. Nice to see you...;)

 

The letter you got was a srandard letter, we all got one. Ignore it.

 

You need to stick to your time table. If your 14 days are up on friday then you need to do the next step. mcol or N1.

 

You never kow they might settle before hand, doubt it though.

 

It is not out problem they are over worked (well maybe it is:D )

 

But if they paid up when we asked they wouldnt have this problem.

 

Any more worries just shout!

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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hi again,

 

well, im well on my way to beating the banker but still have one issue that i'd like yer advice on....

 

the banker called me this morning to say that the bank charges were all correctly applied to my account BUT they were willing to give me a £1000 in a good will gesture.

 

i was like 'errrr no thanks'. I'd just woken up and wasnt sure what to say but i knew i didn't wanna get all arsey and say 'oh i know my rights' and 'all my buddies darn at the CAG have all got all their money back so I want mine' as the woman was quite a plesant lady to deal with.

 

so i just said quite plesantly that i feel that isn't enough and i would be most happy if they offered me the full amount. she replied that as i'd had 47 bank charges applied to my account that they would have to take some money in light of those. so she then offered me £1500.

 

with a quick calculation in my head 47 x £30 (on average bank charge) worked out at about £1400. however i'd worked it out at around £1750 for bank charges and asked for £250 in interest.

 

so i had 2 seconds to think about it and decided to ask that the offer be sent by post so that its official.

 

it honestly felt I was in the chair and Noel Edmonds was asking me that all important question - DEAL OR NO DEAL.

 

now my question to you is: should i get the letter and NO DEAL the offer and take them to the small claims for the extra £500 or just DEAL for the £1500, which in all honesty would make a major impact as it would clear all my debts i have and give me a clean slate.

 

my initial thinking is that if they mess me about in sending this letter and it isn't here by Tuesday 27th Feb, which even if they sent it by Pigeon it would get to me by Tuesday then i'll take them to court. but if the letter arrives before then i think im gonna accept and claim victory over tha Banker.

 

so really what do you guys think? DEAL OR NO DEAL??

 

ta

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Hi,

 

Just to update y'all on this one - I received my offer letter of £1500 on Saturday - I have just rung my Review Manager (Susan Hart) up to say that I'd spoken to my "solicitor" who had advised me to reject the offer and that I was giving them one final chance to offer the full amount or else I'd send the court papers off this afternoon.

 

after several minutes of banter with Susan, who I have to say has been quite nice to me, she went off to think for a couple of seconds and returned to say that they'll offer me the full amount £1948. bonus.

 

so I've won.

 

(Las Vegas here I come - £1948 on black please.:eek: )

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CONGRATULATIONS.....!!!!!:D :D

 

Im really chuffed for you,

 

Las vegas, good for you. remember the saying.... what happens in vegas stays in vegas...:shock: :shock: ;) he he.

 

Have fun

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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CONGRATULATIONS

 

Well done for sticking things out - something for many others to be aware of (are you watching MSE?)

 

Please take just a moment to complete the >> SURVEY

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 2 weeks later...

:D Enjoy !!!!!

 

Well Done :D

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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