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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.
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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
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    • 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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Pink Princess V Nationwide


pink princess
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It depends on a few things. Firstly, are you likely to be eligible for financial help, such as being on benefits or a low income? If so, then N1 is the route to go. The other thing is can you resist the urge to click 'Default Judgment' when the time comes? I personally couldn't so again, N1 is better in that respect. Also, you submit your Schedule of Charges with your N1 form, so there is no confusion about when and whom to send them.

 

I'm sure there are other pros and cons, but those are the ones that spring to my mind.

 

:)

Kelly

Settled: Nationwide £372.55

Before you do anything read this:

Guide to Reclaiming Bank Charges

 

Most questions can be answered by checking out these links:

Frequently Asked Questions

Step by step instructions

Letter Templates

And don't forget to use the search facility! Chances are your question has already been answered on another thread. Good luck

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After searching unsuccesfully for the t & c's from 1990 when I opened my account - I noticed (for all you internet bankers) that you can print out a statement for 1 year only which shows all charges under the heading 'charges applied'. Would this suffice as evidence that they are unlawful charges and not fees for a service..

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  • 2 weeks later...

Hi Pink Princess, good luck with your claim. Regarding the charges being unlawful, I have scans of a leaflet which may be useful to yourself which state clearly that their charges are imposed because of a breach of contract "for using FlexAccount outside its terms and conditions", and that they are used to subsidise "an excellent range of benefits and competitive interest rates".

 

If you'd like a copy of this leaflet, please PM me with your email address, i'll be happy to send it to you. (Around 15 copies sent so far - I think the Nationwide would be pleased with me!)

 

All the best

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  • 2 weeks later...

Well I've received the acknowledgment of service this morning from the courts with Nationwide defending all of my claim, they now have until 23rd July to file a defence... is anyone else on a similar timescale?? or any advise would be very welcome:p

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:o

Well I've received the acknowledgment of service this morning from the courts with Nationwide defending all of my claim, they now have until 23rd July to file a defence... is anyone else on a similar timescale?? or any advise would be very welcome:p

 

Hi pink princess - my claim was acknowledged on the 27th june so they have until the 24th july to defend so as you can see I'm a day behind you!!! :)

I read all these threads EVERDAY so I'll keep a eye on your's to see how you are getting on :o

Best of luck

Tracey

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:o

 

Hi pink princess - my claim was acknowledged on the 27th june so they have until the 24th july to defend so as you can see I'm a day behind you!!! :)

 

I read all these threads EVERDAY so I'll keep a eye on your's to see how you are getting on :o

 

Best of luck

 

Tracey

 

 

Hi Tracey

Exactly the same date for us too.Ours is for £2926.11 including interest and costs,I read the messages every day too from what I have read Nationwide usally start to pay out a few days before the 28 days is up,its my Birthday July 29th so looking forward to getting a nice pressy from Nationwide. ;)

All the best

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Well I hope it turns out to be a VERY HAPPY birthday for you!! :)

I'm off to Ibiza on the 28th july and hoping that the money shows up before then!!!!!!!!!!!!!! Cutting it fine I know but fingers crossed :D . My kids would get an even better hol without worrying how much you can or can't spend :mad:

My claim is for £1600 including interest and costs. I closed this account in 2003 as they charged me £1043 in a YEAR! :-o

Still got another account with them though that has £.22p in it!!!! No charges to claimwith that one though. :mad:

Best of luck to you.

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