Jump to content


  • Tweets

  • Posts

    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
    • Please see my comments on your post in red
    • Thanks for your reply, I have another 3 weeks before the notice ends. I'm also concerned because the property has detoriated since I've been here due to mould, damp and rusting (which I've never seen in a property before) rusty hinges and other damage to the front door caused by damp and mould, I'm concerned they could try and charge me for damages? As long as you've documented and reported this previously you'll have a right to challenge any costs. There was no inventory when I moved in, I also didn't have to pay a deposit. Do an inventory when you move out as proof of the property's condition as you leave it. I've also been told that if I leave before a possession order is given I would be deemed intentionally homeless, is this true? If you leave, yes. However, Your local council has a legal obligation to ensure you won't be left homeless as soon as you get the notice. As stated before, you don't have to leave when the notice expires if you haven't got somewhere else to go. Just keep paying your rent as normal. Your tenancy doesn't legally end until a possession warrant is executed against you or you leave and hand the keys back. My daughter doesn't live with me, I'd likely have medical priority as I have health issues and I'm on pip etc. Contact the council and make them aware then.      
  • Recommended Topics

  • 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
  • Recommended Topics

oops


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6469 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

They might, eventually...for the price of sending another letter (if it's only been a couple of days) I'd send another to the right place...

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

Link to post
Share on other sites

No chance - simply reference the first letter and state the cheque was set to xx address and enclose cheque number....;)

25/06/08 - NatWest - Prelim letter

09/03/06 - Halifax - Settled 27/4

22/03/06 - Capital One - Settled 24/6

17/04/06 - Nationwide - Settled 8/9

 

 

Hit the DONATE BUTTON and give 5% back to support this site!

 

Link to post
Share on other sites

Do A&L like to drag these things out to the last minute, my DPA request went in 3 weeks ago and so far nothing, is there anybody i can contact to see how things are progressing?

Link to post
Share on other sites

From the few posts i've read about A&L they seem to take around the 3 week mark, however, like with all the banks at the moment, i would imagine that they are getting swamped with these requests and so may take longer. They have 40 days in which to comply, so until then, i'm afraid it's a waiting game!

 

Good Luck

Link to post
Share on other sites

  • 3 weeks later...
Guest Lueeze

LOL thats okay!

 

You prob mean you have got a ream of statements, you need to sift through them (carefully) and work out what charges have been aplied such as

 

Failed DD charges

Bounced Cheque charges

Over Overdraft charges ect ect...

 

Work it out add it up and hey presto!:grin:

Link to post
Share on other sites

Worked out everything they owe me done the sums, printed the letter, first thing tommorow im off down the postie to get it sent recorded delivery. hope i get the cash a.s.a.p it will come in handy for some stick of rock money on my holidays, i know it wont happen quick but a mans got to have dreams

Link to post
Share on other sites

  • 3 weeks later...

Hi everyone, had a letter from A & L today saying there sorry im not happy with the service blah blah blah, do i have to reply to this or do i just send my letter before action when it's ready, and also does the 14 days mean working days or just your regular 14 days, i.e 2 weeks a fortnight half a mumfcheers Ian

Link to post
Share on other sites

Just send the LBA when their time is up.

 

14 calendar days. After all, they charge us interest at weekends!

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.

Link to post
Share on other sites

Hi everyone, just an update, sent my LBA on tuesday got a reply today saying something along the lines of " all the stuff you've been reading about (i.e claiming charges back) is to do with credit cards and nothing to do with banks, were right and your wrong, good day ", i'll ignore this and go down the courts on the 25th, then we'll see who's wrong, did any body else get this sort of letter? keep you posted ta-ta for now

Link to post
Share on other sites

Yup, I think we all got it. The OFT investigation was into credit cards, but the banks are miffed that they got a mention too, as they weren't actually party to the investigation. Their turn will come.:rolleyes:

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.

Link to post
Share on other sites

  • 3 weeks later...

Been away for a couple of weeks, when i got back i had another letter telling me that all this is nothing to do with banks, but if you've been charged by your credit cards you should nobble those instead, what a laugh, i'm going to fill in my court papers today and get the ball rolling, keep you posted

Link to post
Share on other sites

If you haven't sorted it yet the daily interest is 0.022% of your claim. You put the amount owed, but you can't attach the breakdown on line. I am taking my spreadsheet to the court with my Allocation Questionnaire.

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.

Link to post
Share on other sites

  • 1 month later...

Hi everyone soz i got a bit behind with the updates some monkey drove throught my livingroom wall so had a lot to sort out, right where were we, sent off online my court stuff, got a reply from courts saying notice had been served and that A&L will be defending so just got to wait now hopefully for my check to arrive. i'll keep you posted and all things being equal i should be contacting you all with good news soon

Link to post
Share on other sites

They really shouldn't let monkeys drive Ian! (sorry :oops: ) Hope everyone was ok and you are getting sorted.

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.

Link to post
Share on other sites

  • 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

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6469 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...