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    • Hi All I know this a long shot but ha anyone got any advice please? Nearly three years ago (maybe more) my ex took a contract out for a new phone for my birthday that I ended up paying the bills on (lovely present huh) I have always paid the bill for this. The phone number that I have had for most of my adult life was passed over to this contract and I am old now haha We are now divorced and have not been in contact  - he is abusive and I have nothing to do with him. I cannot enter into any dialogue with him whatsoever. I have continued with my phone contract and number etc but am stuck - I have no access to my bills even though they come out of my account - as the contract is in his name I cannot get a pac code to move therefore I will lose my number if I cancel- sky just quote data protection at me which I get but this is soooo frustrating!!!! I know that the sensible thing would have been to just l cancel the dd lose the number get another contract elsewhere and get over myself and move on but I am just asking out there as a final desperate attempt - can anything whatsoever be done??? Thank you in advance :)
    • What's your intent, or interest? I can't see that you have any cause of action regarding bills issued by one third party to another third party. Is the idea to use this as a lever "I'll denounce you to HMRC unless you do blah blah .." That might in fact have no teeth anyway, HMRC will aware of the company's turnover via their other tax affairs.  As a matter of fact a company buying VAT rated supplies and selling to VAT registered customers is actually worse off if not VAT registered themselves. Has your court case reached it's conclusion yet?
    • Hello, welcome to CAG.  I expect people will be along to advise later. We aren't here to mock, this is a serious forum. If you feel you're being picked on  report the relevant post to the site team.  Best, HB
    • no that is not a defence. because you don't have a photo
    • I purchased the vehicle using finance through motonovo under a HP 60 months agreement. I have now amended the document ensuring all is in black. Unfortunately, this email has now been sent. However, I have not sent a letter to big motoring world. Also, I have taken the section of the firealarm issue. I am struggling to convert to PDF. I am not tech savy at all. My mistake was that the the salesman was very fussy on a sale. We went down a quiet road for a little test drive and not for a lengthy road test. The water issue was not present at this moment of time. However, it only became prevalent after driving away, after all docs signed. I did stated to Audi I wanted a diagnostic report. However, they carried out an Audicam which is footage of the issue. Audi have diagnosed the issue as a common issue where coupes/cabriolets accumulate water in the seals. However, I did state beforehand for no issue to be rectified due to me wanting to reject the vehicle. I am awaiting a report from Audi through email from the branch manager in relation to the issue. The issue so far is the water still being present in the sills. Audi tried to fix the issue however the problem is still prevalent. Regards 
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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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Scissorheart v Natwes - Dealing with Cobbetts - **WON**


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Interesting Note:

 

Just phoned the Court and asked them about the current state of my claim. Apparently, Cobbetts have until the 23rd of July to file their AQ, Which is of course 5 days from now. When the guy on the phone asked me what sort of claim it was, I told him and he informed me that this was quite a popular one at the moment. He did state that some but NOT all claims have been succesful.

 

This could mean anything from the types of charges being claimed, the way people have gone about getting the money back and whether or not they have been on this site to look at the templates, legal ramifications and advice etc. Am I still right in saying that only one person who used this site failed in their claim? (not meaning to worry anyone by the way!).

 

Do Cobbetts usually fold at this stage or not? Do you think they will lodge their AQ or fold?

 

S**t! I am playig a three day music festival from Thursday and going to Cornwall for a week straight afterwards. How am I going to letter-box watch from down there?!

 

Rob

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This could mean anything from the types of charges being claimed, the way people have gone about getting the money back and whether or not they have been on this site to look at the templates, legal ramifications and advice etc. Am I still right in saying that only one person who used this site failed in their claim? (not meaning to worry anyone by the way!).

 

Was he implying that coming to this site was beneficial or not?

:p MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

 

NatWest SETTLED IN FULL 25/08/06

Capital One settled in full 12/10/06

LTSB prelim letter sent 25/08/06

LTSB standard prelim response received 02/09/06

LBA sent 15/09/06

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Folks

 

Just called Cobbetts up to find out if they needed any more info from me as NatWest have three days left to file their defense at the court (AQ).

 

Apparently there is a leter to me in the post right now citing an 'offer without prejudice' asking if I would like two thirds of my money (which is not nearly enough!

 

Guess I should draft my letter up now in readiness huh!

 

YIPEEEEEEEEEEE I feel in control again. I was properly spinning out becasue they really have been swinging the lead with me over the last couple of months!

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Yay - light at the end of that tunnel!

:p MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

 

NatWest SETTLED IN FULL 25/08/06

Capital One settled in full 12/10/06

LTSB prelim letter sent 25/08/06

LTSB standard prelim response received 02/09/06

LBA sent 15/09/06

DONATE TO THIS SITE BY CLICKING THE LINK AT THE TOP OF THIS PAGE

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I would not respond at all. There is no need to.

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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I guess I need to brush up on this bit. Being the pessemist that i am, I didn't think it would get this far to be honest. Barracad - if i just leave it, what will happen? I want this money in the form of a cheque too as the account in question is simply getting an injection of £100 per month to clear off my graduate loan. I have made this quite clear and I have absolutely insisted on the grounds that I am already paying them their money, so i want the money back that they unlawfully [edit] all this time.

 

[MODERATED: Please do not post libelous comments on this site]

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No reply speaks louder than words. By issuing the claim you have made it clear what you want. Cobbetts are still playing the game and think that the claim form is simply another negotiation move. They don't realise that there are no more moves to make.

 

By not replying they will realise the ball is still in their court.

 

Let it dawn on them that it is game over.

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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By the way, as far as I am aware, Natwest always settle with a cheque anyway.

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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Following with bated breath! keep us posted.

:eek: Gettin'evil

Got a question? - see if the answer is in the FAQs before you post!!

Subject Access Request sent 20 June

£10 cheque cashed 6 July

16 July - Statements received

£1024.07 prelim let sent special del 26/07/06

Reply from S Higley 31/07/06 (how fast was that):D

02/08/06 LBA sent to Bishopsgate with proof of delivery from PO

Acknowledgement let dated 7Aug from S Higley

Moneyclaim issued 6.09.06 £1433.94 :cool:

Acknowledgement of service rec'd by MCOL

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My claim was aknowledged in 2 days but no defence was lodged within the 28 days after service. The deadline was 17th July. So I asked for judgement in default of the defence on 18th. On the 18th (one day late) Nat West lodged their defence via Cobbit. The interesting point is that even if the clerk had entered my request for judgement before entering the defence, the defence would always overide the judgement if its lodged within 24hours of the judgement request. Effectively it gives the bank a free day. Of course, after the 24 hours the judgment would be recorded, but then it could be Set Aside. So i reckon its better just to wait fot the allocation questionairre, pay the extra £100 and th bank will just have to pay up a bit more.

 

Another offer to settle full amount (£170) arrived today. That makes 4 successes out of 10 potential claims. But it is the Nat West ones that really count. 3 claims totalling over £5000.

Its WAR

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Letter came as expected. I told them that I accepted their offer but only as part of the full ammount. I also said that an out of court payment 'may' satisfy me enough to keep quiet about it. Faliure to settle out of court however would force me to catergorically revoke any semblence of confidentiality over the issue.

 

Bring it on.

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I WON I WON I WON I WON!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 

Full Settlement on its way in the form of a cheque. You guys rule! Anyone reading this post, please believe me that in your darkest hours of doubt and worry, your goal WILL be fulfilled.

 

Thanks to everyone who helped me out. Please change my thread title to:

 

"Scissorheart: Giant Slayer - **** SETTLED IN FULL****

 

Lloyds TSB - I am coming for you now.........

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Well done!!!!!!!!!!

:p MY POSTS ARE MY OPINION ONLY...IF IN DOUBT TAKE PROPER ADVICE...I'M JUST CLAIMING TOO !

 

NatWest SETTLED IN FULL 25/08/06

Capital One settled in full 12/10/06

LTSB prelim letter sent 25/08/06

LTSB standard prelim response received 02/09/06

LBA sent 15/09/06

DONATE TO THIS SITE BY CLICKING THE LINK AT THE TOP OF THIS PAGE

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Well done. I had the same timetable as you, but with no offers (i.e. 23rd July to file their AQ). Hopefully i'll have a cheque waiting for me at home ... well, we can but hope!

NatWest:

Sent LBA on 12 May.

Submitted MoneyClaim on 30 May.

Acknowledged 7 Jun, 3 Jul deadline for response

Defence filed 4 Jul

Received their copy of AQ 21 July, awaiting court date

*********** SETTLED IN FULL - 17 August *************

Egg Card:

Requested Payment Protection Refund on 20 May,

Sent Data Protection Act request, egg acknowledged,

8 Jul deadline for response.

26 Jul: Sent Prelim Letter

01 Sep: Sent LBA

Citibank:

Not Started

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Yay for Scissorheart! :)

 

Y

Credit Cards

Barclaycard -WON! Amex - WON! MBNA (x2) - WON!

Mint - WON! Monument - WON! Morgan Stanley - WON!

Egg - WON! Halifax - WON! Sainsbury's Bank - WON!

Citi Cards -WON!

 

Banks

 

08/06/06 Claim against NatWest started.

01/11/06 Case Closed :)

 

08/06/06 Claim against Halifax started

24/08/06 Case closed :)

 

 

Visit my forum: http://www.planet-watch.org/forum

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  • 12 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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