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    • Just do the n244 no counterclaim Plenty of examples upon what to put already here.  Dx
    • Thanks in advance for advice! I was shocked to find out when doing a credit score search this weekend that I have a CCJ in my name. I've spoken to the courts today and have been told Vehicle control services have taken me to court for parking without a permit in my own allocated parking bay that came with my flat rental. The CCJ appears to be to the right apartment block but the wrong address.  It dates back to 2017. The judgement was passed in April 2021 without my knowledge of the ticket or the case ( presumably fine information was sent to the wrong address) I had already been taken to court by VCS previously for parking in my own bay and I won. It seems to me that this is underhanded behaviour from VCS as they had my address from previous interactions and had tried taken me to court for something that a judge had previously ruled on. I'm seeking advice on next steps. I was told by court that i can raise a dispute on the CCJ but I also want to appeal the case altogether. Should I be filing an  N244 Application Notice with an N161? I was told I should pay the court £303. Now that I've got home and had a look, there is a long list of court fees so I'm not sure which is applicable. I was also told the £303 is not refundable. Should I be filing a counterclaim or is that something that can be done at a later date. Ultimately I feel disgusted at having a ccj and then having to pay for the privilege of getting it removed. Any advice on how to make VCS pay for this would be appreciated!
    • Speaking of Truss, another French politician has used her as an example of economic illiteracy. Edouard Phillippe, the ex-PM was on BFM TV this morning.
    • an aperitif before the trumpy main event   Alex Jones must sell assets to pay $1.5bn to Sandy Hook victims as Infowars spared WWW.INDEPENDENT.CO.UK Alex Jones, a right-wing conspiracy theorist, falsely claimed the 2012 Sandy Hook shooting was a hoax  
    • As gesture of goodwill, we were eventually given a courtesy car from Mercedes (after numerous complaints from us on their lack of communication / misdiagnosis / time they’ve had the car - we’re now at over 4 weeks without our car) They have literally just informed us it will be ready to collect tomorrow. If we pay the cost, where will we stand? It’s so hard to understand what we should do 😫 we will re open our complaint with the finance company then. We emailed Doves yesterday informing them of all the problems (we have touched base with them and let them know prior to this) but they are yet to respond.    Any further advice would be greatly appreciated! 
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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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Fred Bassett v Halifax


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AnotherWescottLetter.jpg

 

Wescot Credit Services Ltd.

PO Box 137

Hull

HU2 8HF

FAO Miss xxxxxxxxxxxxxxx

 

6th December 2008

 

Dear Miss xxxxxxxxxxxxxxx,

 

Your Reference: xxxxxxxxxxxxxxxxx

 

Thank you for your letter dated 4th December 2008. I note that it may take you up to 30 days to obtain a copy of the “opening agreement”.

 

If it helps, I could send you a copy of one of the ones I already have.

 

Yours sincerely,

 

 

Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks Sabrina, they're a bunch of clowns aren't they?

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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TelemessagefromWescot.jpg

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Ah - wrong place. This is in relation to my preference account, the one that IQOR gave up on. Now I've got the pleasure of dealing with Wescot on 2 accounts. I'll repost in the appropriate thread.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Twice the fun then....you can give them double grief ;)

 

Well I try to please!

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Wescot0812.jpg

Wescot Credit Services Ltd.

PO Box 137

Hull

HU2 8HF

FAO xxxxxxxxxxxxxx

Process and Compliance Co-ordinator

 

11th December 2008

 

Dear Ms xxxxxxxxxx,

 

Your Reference: xxxxxxxxxxxxxxx

 

Thank you for your letter dated 8th December 2008 in which you have enclosed yet another copy of an application form, which is now being referred to as my “opening agreement”.

 

I am somewhat taken aback by your request for me to provide full details of my dispute with the Halifax. I don’t consider it to be incumbent on me to do this and would suggest that you refer the matter to the Halifax themselves. You might, however care to look at my email dated 2nd December 2008.

 

I accept that Wescot may have been attempting to contact me in relation to a different account as I have since had a letter confirming this – a matter I was previously unaware of.

 

Yours sincerely,

 

 

Fred Bassett

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Wescot. Ever hopeful, always hopeless.

 

Fred

 

Slide1-28.jpg

Slide2-27.jpg

Slide3-12.jpg

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Community charge arrears? Isn't it about time they reprinted their forms?

 

I know you know better than to provide any of this information Fred, but for anyone less wise, the last thing you want to do is give details like name and address of employer ...

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Community charge arrears? Isn't it about time they reprinted their forms?

 

I know you know better than to provide any of this information Fred, but for anyone less wise, the last thing you want to do is give details like name and address of employer ...

 

Don't worry RMW, I won't be filling it it and I won't be paying them a penny until Halifax come up with an enforceable agreement.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Fred, I'm suprised at you!

 

We're talking Westcot here and you really should be more tolerant with people with 'special needs'

 

David:D

 

Not to mention the 6 fingers on each hand.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 4 weeks later...

Well it looks as if Wescot have given up on me without having the decency to send me a letter telling me so and allowing me to gloat over it. This one is now with my mates IQOR. I've seen them off on my BoS account and they are also dealing with my MBNA account.

 

I don't think they'll last long on this one.

 

Iqor170109.jpg

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Well it looks as if Wescot have given up on me without having the decency to send me a letter telling me so and allowing me to gloat over it.

 

Shocking isn't it, especially as they have the documents 'to validate the debt':D

 

David

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IQOR

33/34 Winckley Square

Preston

PR1 3EL

 

FAO xxxxxxxxxxxxxxxxxxxx

 

17th January 2009.

 

Dear Sir,

 

Account In Dispute – I Acknowledge No Debt to your Company

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxx

YOUR Ref.: xxxxxxxxxxxxxxxxxxx

 

I was rather surprised to receive this letter because this account is in dispute with the Halifax/Bank of Scotland and has been since 11th May 2007.

 

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

As Halifax are now in default of my Consumer Credit Act request, OFT Collection Guidelines, I consider this account to be in SERIOUS DISPUTE.

 

The document that Halifax are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both Halifax and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, they are also obliged to send me a copy of that document.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to the Halifax for resolution of these defaults and breaches, as IQOR cannot lawfully pursue any enforcement activities.

 

If IQOR chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

Whilst writing I note that you have been telephoning me. Kindly remove my telephone numbers from your systems immediately because I will only correspond with you in writing. Please confirm that you have done so by return. I will happily accept correspondence by email.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing or by email.

 

 

Yours faithfully

 

 

Fred Bassett

 

IQOR190109A.jpg

Wescot190109.jpg

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Iqor are going to ensure you receive no more collection calls on the 15/01/2009.......

 

I think someone needs to proof read their letters before they send them out :lol:

 

It takes a giant leap of imagination to connect the word IQOR with the ability to read, let alone understand the contents. It was a strange one though, almost as if somebody had simultaneously hit "letter 5" and "letter 6" at the same time and the threatogram machine churned out a hybrid of the 2.

 

Happy days.

 

Regards.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 months later...

It's been quiet on the Halifax front for a while but today I received this letter from the lovely Dawn Hood who I thought worked for that 'Professional' Debt Collection Agency Blair Oliver and Scott.

 

What a nice letter, they've offered me a 40% discount on a completely unenforceable debt but they've also warned me that they may sell this on to an external agency. Presumably they think this external agency will succeed where Blair Oliver and Scott, Moorcroft (Pre-Pubescent Division), Wescot and IQOR all failed. Surprisngly, I will not be taking them up on their offer.

 

I wonder who is going to buy this pig in the poke. Any guesses anyone? I do hope it's IQOR because they're the most fun to deal with and I've already run rings around them on this one, MBNA and BoS. I dream about some poor sod in his office in Preston choking on his black pudding sandwich as he sees my name appear at the top of his hit list!

 

Regards to all.

 

Fred

 

HalifaxDiscountOffer.jpg

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Fred you forgot the Cheesey Peas side dish

 

Ah well that's because I didn't know it was a Lancastrian delicacy. It's years since I've been to that neck of the woods.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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