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    • Firstly, I would like to thank everyone for their help in this matter. Since my last post I have received a reply from Plymouth Council Insurance Team concerning my wife’s accident (please see enclosed letter and photo of the offending Badminton post) which they deny any responsibility for the said accident. I feel that the Council is in breach of their statutory duties under the following acts: The Leisure Centre was negligent in its duty of care and therefore, in breach of the statutory duty owed under section 2 of the Occupiers’ Liability Act 1957. Health and Safety at Work Act 1974 (the Act) to ensure, so far as is reasonably practicable, the health, safety and welfare at work of all their employees, and others who might be affected by its undertaking, e.g. members of the public visiting the Leisure Centre to use the facilities. The Management of Health and Safety at Work Regulations 1999 that requires employers to assess risks (including slip and trip risks) and, where necessary, take action to address them. The Provision and Use of Work Equipment Regulations (PUWER) require the risk to people’s health and safety from equipment that is used at a Leisure Centre be prevented or controlled. I would like some advice to see if my assumptions are correct and my approach to obtaining satisfactory outcome to this matter are accurate. Many thanks   PLM23000150 - Copy Correspondence.pdf post docx.docx
    • Talking to them does not reset the time limit, although they will probably tell you it does, they'd be lying. Dumbdales are the in-house sols for Lowlife, just the next desk along. If Lowlifes were corresponding with you at your current address then Dumbdales know your address. However, knowing that they are lower than a snake's belly, you would be well advised to send them a letter, informing them of your current address and nothing else. Get 'proof of posting' which is free from the PO counter, don't sign it, simply type your name. That way then they have absolutely no excuse for attempting a back door CCJ.   P.S. Best course of action, IGNORE them, until or unless you get a claim form......you won't.
    • A 'signed for' Letter of Claim has been sent today so they have 14 days from tomorrow... Lets wait and see what happens but i suspect judging by their attitude they wont reply 
    • I am extremely apprehensive about burning our files.... I do not know why, so it is becoming an endless feedback loop. Scared to pull the trigger to speak in the desire not to mess up my file. 
    • Hi All, So brief outline. I have Natwest CC debt £8k last payment i made was 7th November 2018 Not a penny since. So coming up to the 6 year mark. Can't remember when i took out the  credit card would be a few years before everythign hit the fan. Moved house 2020 - updated NatWest as I still have a current account with them. Then Lowells took over from Moorcroft and were writing to me at my current address. I did get a family member to speak to them 3 years ago regarding the debt explained although it may be in my name I didn't rack it up then went contact again. 29th may received an email from overdales saying they were now managing the debt. I have not had any letter yet which i thought is odd?  Couple of questions 1. Does my family member speaking to lowell restart statute barred clock? 2. Do you think overdales aren't writing to me because they will back door CCJ to old address even though Lowells have contacted me at current address never at previous? ( have no proof though stupidly binned all letters  ) Should I write to them and confirm my address just incase? Does this restart statute barred clock? 3. what do you think best course of action is?   Any help/advice is appreciated I am aware they may ramp up the process now due to 7th December being the 6 year mark.   Many Thanks in advance! The threads on here have been super helpful to read.  
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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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MCOL - here we go....***won***


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I think I have made a total boob.

My schedule of charges I have sent do not appear to have the write adtes on. basically Excel screwd up the dates for the schedule of charges I sent with the PRELIM and the LBA.

What should I do??

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Sort the dates out on the sheet. Post them a new copy saying the originals had errors.

 

They know when and what they charged you, this shouldn't cause any problems.

If in doubt read the

FAQs

 

If still in doubt - ask!

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thansk for that.

Should I give them another 14 days or just proceed as normal. basically they have 1 more week to response or MCOL.

Or should I give them a further 14 days.

Will the court acknowledge that they know when charges where taken from my account.

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Guest ian cognito

As they already have this info themselves, I wouldn't give them extra time, you will have to file your claim before they will pay out but they will pay out after saying they will defend.

 

I take it the amount of charges were correct, just the dates wrong?

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Yup the amounts are spot on just the dates, but it has the full breakdown just wrong daytes - ARGH I hate Excel at times.

I did begin to wonder when I received no response from A&L after the PRELIM letter.

I reckon they think I am an idiot who does not knwo what he is doing.

Could kick myself for the mistake.

Oh well. Have just printed off the letter again will send out on Monday

Thanks for your help

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I agree with Ian.

 

Just make sure that you send them an updated schedule of charges.

 

As long as the courts receive the correct documents and amounts, thats the most important thing.

 

When you do the interest spreadsheet for your claim, double check its correct as changing amounts at court stage costs a £35 fee.

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Bit of an odd one, sent off my PRELIM Letter -it was received on the 16th Feb,

Heard NOTHING from A&L in that time, on the 5th of March sent LBA - again nothing heard so got worried contacted post office about when it was delivered and as of yet ( 1 week later) still not showing as received, but they have had problems with their scanners she told me

 

Help what shoudl I do ?

Wait another week as per the 14 days and just issue MCOL

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First of all blimeyboy, it's best to stick to just one thread for all your questions, as things can get confused if you keep opening new ones!

In answer to your question, just stick to the timetable. If you've used recorded delivery, chances are they've been received safely enough. I suspect their lack of replies is due to their being snowed under with claims. :cool:

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  • 2 weeks later...

I have also made a total boob! BUT even worse

 

I basically didn't read what I should have done properly, so with the first letter I sent them the pages of the statement back wtih the charges highlighted.....oops. Now looking I can see I should have done the Excel spread sheet.

 

I have heard back from them (on the 14th day) saying they are dealing with it and will be back to me in due course.

 

But I need to send them back the third letter really now.....but do I stick to the orginal claim or do it properly.???

 

HELP

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Guest ian cognito

Kerry just complete a schedule on the spreadsheet and send that along with your LBA it won't be a problem.

 

Start your own thread in your bank forum so you can keep a track and get help from others.

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Ok so we are at MCOL stage.

After SAR found that they owed me £3k in charges over the last 6 years. The account was closed about 2 years ago. Was totally gobsmacked by the amount.

 

Have given 14 days for PRELIM Letter - had no response.

14 days later LBA sent - again no reply at all from A&L. Which is think is odd.

 

Monday morning at 9am the MCOL claim is paid for and sent.

 

Wish me luck.

 

Hope its straight forward. Does anyone have anyidea what the average time to pay out is from A&L.

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Hi Again...

 

When i filed, they acknowledged within a week, defended a few days later. Ive filed allocation questionaire now. I had not had any offers till just after i filed the AQ they offered 1,760 on a claim for 3,444 (inc interest fees etc). I returned the chq so i am hoping they make a better offer sooner but i am prepared for court. I got to my court date with barclays before i accepted their offer.

jenny

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Just re-worked out the charges excluding the £10 that is outside the 6 year rule and guess what, with interest up to and including today the claim increased to more than the £10 they are arguing over.

I mean they are being such muppets now quibbling over pences.

 

So I have faxed 'dearest jackie" and sent the letter.

Fingers crossed they just send me a cheque

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Hi, I received the same letter a while ago, my claim has about 1,650 over 6yrs so i intend to continue till i get the full amount, i replied with sec 32 to her letter

 

jenny

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I remember reading it on your thread. For that amount its worth going full steam ahead and getting it back.

To be honest I dont think they even read or worked out what the difference would be.

To stall for the sake of £10 is idiotic. I guess we all get our money back soon enough. Getting it back before Easter would be cool though.

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I got a cheque for all the money including the £10.00 The reason I stuck with the tenner was soley so I can go back and claim the money from when I opened the account some fair few years ago!!

 

They send me a chq payable to just me, as the account was in both mine and my husbands name, I have told them I want the chq changed. They agreed, the Lovverly Jackie :p says that she sent it, yeah right!!!

 

Well today I faxed them and advised them that I will have to complete the AQ and if that happens (Monday) is the deadline, then I am going to add another £100 to the total. Keeping in mind that the amount is climbing daily :D

 

So at the moment they sent a cheq for £4292 and now it is £4301 + £100 if I need to go to Court on Monday. I will accept payment direct into another account (same day) As otherwise I will have a problem with the court.

 

Will keep you all posted

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well I am taking my AQ to the court on Monday - no sign of any money here so far! But it will come but for me not before Easter - you just cant tell whom they pay or when, the only thing that I am certain of now is that they will pay up, as long as one doesnt lose ones nerve.

 

hope you get your money soon.

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  • 3 weeks later...

A&L New Delay Tactics.

 

Well there was nothing to report until I had to speak to A&L today about an ISA I have with them.

Whilst on the phone I asked about my court claim, the lady I spoke to put me on hold, came back to me put me on hold again and then but me through the the legal department who told me :" we have until the 28th April to either file a defence or make an offer" I said : " well you will have to pay up sooner or later". She said " well we may file a defence just before the 28th, I (meaning she) was waiting for information from Bootle.

 

So basically A&L new tactic seems to be wait until the 11th hour then file a defence and then drag it out another few weeks.

 

Just thought I would keep everyone posted.

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