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    • You're right of course, just jarring when an actual man child is knocking on my door so close to the end. Anyway, I'll keep this thread updated if ever any exciting does actually happen. Thanks again.
    • Yes I think you are right. I have to say I think most people would be honest and you would be unlucky to be with somebody who was going to rip you off
    • Would this be OK to send or is it too much detail already ?   "In response to your letter dated  xxx Intention of Prosecution reference xxxxxx I would like to advise that no collision / accident took place at the given date / time / location. There was however an altercation with the driver of a commercial vehicle who punched and kicked my car, verbally abused me when I stopped and acted in a distinctive threatening and aggressive manner. I advised I would be reporting him to his company for threatening behaviour and vandalism for punching and kicking my car whilst driving past in the road. When I tried to take a photo of his number plate, he came towards me in a further aggressive and threatening manner, so I decided to retreat into my car and lock the doors before he could reach me, as I was frightened he may assault me. I drove off and when I checked my phone later , the photo was regrettably unusable, as the camera couldn’t focus properly when I rushed back to my car. So I decided not to report him for his threatening behaviour and actions, as at the time I believed he would be untraceable anyway. So I am not sure if the accusations against me are in relation to this altercation, but no actual collision took place at this time , date and location as alleged in your letter"  
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • They have been sending messageslike " Do you want a refund or not"  which ive said im at work just try and avoid their childish obstuctive replies as ive had enough of them but i plan on going up tomorrow , so my question is,  they have to give me a refund dont they, they can not bargain or refuse the refund if they havent checked the phone first ? Their previous messages have said they want to check the phone first before a refund is given and i think theyll try this tomorrow as they have argued all through this .... If that happens can i just walk away and then send the letter of Particulars which is due next week ? Edit :   Just for the record the phone hasnt been used since buying its been put in a protective bag and put in a draw , its in the same condition as i bought it
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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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MacBoy Vs. Halifax and Hello To the Group!


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Hi Mac, how you doing ??

Did you manage to do anything with that spready at all ??

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13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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ja-de

No - I ran out of time. I'm off up North now for a day or two on business. I'll take another look when I get home.

 

UKLASS - Glad you were able to sort the avatar!

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

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COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Mornin' Tilly :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Well thanks, Ms Trotter - and your good self? :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Nothing like that feeling, eh Tils? Alas, my memories of pre-holiday giddiness are becoming but a fading memory... :(;)

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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We haven't sorted them out yet Tils (we took bloody hundreds!), but here's a couple for now:

 

smarina_pool.jpg

 

Poolside area at the resort we stayed at..

 

smarina_sunset.jpg

 

Sunset view of the bay from the resort. And what a view!

 

Enjoy! :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Gorgeous resort, Tilly - very well run and top quality from top to bottom.

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Oh... haven't even begun to think about that yet :D

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  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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Great photo's Mac, look forward to seeing some more.

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--------------------------------

If you approve of my Post, please tip my scales.

13/07/07 **WON** Halifax

Any advice or opinion I give, is what I have learnt from CAG, If in doubt, please consult a professional.

 

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Thanks ja-de, gald you enjoyed them - I'll try and put one or two more up in the next few days...

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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No problem deedee - you take your time and enjoy your family party - we can catch up in the week ;)

 

From what I can gather so far I can use a Consent Order - which drops the intended action (as they have now complied), but allows me to keep the hearing scheduled to apply for my costs - still not fully read up this but I think the other side have to agree (which in my mind will be highly likely, as it would probably cost them far more to send representation than to pay the relatively paltry costs I'm asking).

 

Mac

 

Hey Mac.

 

Sorry for not coming back to you sooner. What a headache I've had. I've forgotten how DRY reading Civil Procedure Rules can be and how long! I haven't found anything that would fit what you are wanting to do (this is all new to me too) :p. Plus I've been preparing for my time in court against Capquest (more on that later)

 

The Consent Order sounds like a great idea however I've usually seen it applied in cases of family breakdown, to ensure the fair division of property and assets.

 

(Thinking out loud) - I wonder if a draft Order for directions in this case would be useful.

 

I would also PM Laiste as she has a great legal brain. She is having a hell of time Curious twist on two CCA requests-they are taking me to Court! but finds time to help anyone who asks. She's up quite late usually. I can PM on your behalf if you want.

 

Meanwhile I will keep reading!

 

deedee x

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deedee1310 v Abbey, deedee1310 v Capital One, deedee1310 v Halifax Plc, CapQuest CCJ, deedee1310 v Littlewoods & deedee1310 v Smile

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Plodding on, Tilly... :roll: I'm basically back in the same position as anyone starting out at the beginning now, because having got them to comply with old data (and not sure why they did eventually concede - was it my complaints to the Information Commissioners Office or my Application Notice to bring a Pre Action Disclosure hearing? Or both?).

 

Anyway, I'll hopefully have worked out charges for both credit card (back to 1992 to present) and current account (1987-2005) by the weekend. I'll then be completing s/sheets, filing prelims and preparing LBA.

 

What I'm also trying to work out, together with deedee and another friend (non-CAG-ger) is how, having got Halifax to cough up the data, we deal with the impending hearing, re. claiming costs and either cancelling or going through with it.

 

So... plenty to think about! :D

  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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yes see what you mean by back to the beginning looking on the bright side think of the interest mounting up:D so if you decided to carry on and go to court and they had a smart ass fella there and you lost would you have to pay the court fees, they would get a double wammy out of you no paying back your costs either did that make sense:???: lol

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Nah - they can't 'lose' this one Tilly, because they've complied with my request to the Court. The options are whether to keep the hearing date, attend and just file for costs - or to try and come to an arrangement pre-hearing with HFX to cancel it and claim my costs as a 'Litigant-In Person' and some token compo.

 

They might even want to come to an arrangement re. the charges too (after almost being dragged to Court for Data Protection Act non-compliance and running the risk of having their charging regime examined, they may well feel that this was a close enough call!).

 

Alternatively, it's N1 time :D

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  • 04/04/07 - £104 exit fee refund - Portman BS
  • Halifax Current a/c 20yr (closed) - in progress - all 20 years statements recovered!
  • Halifax Platinum Card 15 yr - Court Action Commenced - all 15 years statements recovered!
  • A&L Current a/c - You're next..

Write to your MP and

COMPLAIN about the ANTI-CONSUMER way in which the OFT Test Case is being handled!

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What a glorious thread - and in technicolour. Have just sent off to Information Commissionair myself and filed N1 for non-compliance against Howard myself. So far I've only received data twice (on 2 accounts). Don't you feel sorry for your postman.......... Looking forward to your next posting.

 

Just to ask a question. Filed against natwest for non-compliance but have managed to obtain whole banking history from my local branch. Should I now drop non-compliance as compensation would be good but I think judge would look on my application as abuse of court time. It is worth saying that I filed against Ms Tudor (data controller) but because I put her business address the courts have returned N1 to me. Can always go down compensation route via FOS when I win, after all.

 

 

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