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    • A key member of the US central bank, Raphael Bostic, tells the BBC rates might only ease "at the end of 2024".View the full article
    • A key member of the US central bank, Raphael Bostic, tells the BBC rates might only ease "at the end of 2024".View the full article
    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
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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.

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      Many thanks 
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    • 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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Power01564 v Lloyds TSB


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I have 2 money claim applications going through at the moment, one for my sole trader business account and one for my personal account, both total £13500.

 

They have completly ignored the claim on the personal account so i have started judgement against them, but the business account i have had a email from there solicitors requesting all the charge details again and saying they would like to resolve this asap, just wondered if any body else has had a letter from there solicitors?

 

Mathew Bullock

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Foot Anstey have been brought in to handle the business claims along with Martineau Johnson whils SC&M struggle with the personal claims.

 

In answer to your question of course you should respond to them - why do they not have a schedule of your charges already? Presumably you sent them a copy?

 

What stage is your claim at - have they issued a defence?

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Yes the charges list has been sent four times (each with the first two letters then with the court papers). I emailed it again to the solicitors.

 

They have only acknowledged the business claim on line at the moment and have ignored the personal claim, which they have to tommorow to reply to.

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hi al im having same thing, foot anstay have taken my case over and [problem] never sent paperwork to them, chek my other thread to see how its going been to court once just waiting for paperwork

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  • 3 weeks later...

Hi all, just want somebody to confirm something for me before i get all excited, been going through the normal procedure with lloyds and had got to them putting a defence in for the court, well they were 1 day past the 28day rule for entereing there defence so using the mcol system i set automatic judgment, which i have recived a letter from the court today saying it has been entered against the defendant on the 29th may 07, there is no way they can appeal this is there? becuase they were late?

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Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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'Usually a court will agree to a stay/set aside judgment if the defendant can show that they did not receive any court papers and therefore were not aware of the court case.'

I think i may have missed out a couple of vital points here, they had acknowledged the court summons and had entered a defence, but have not bothered to enter the paper work for the defence untill after the 28 days rule.

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Yes I think something went amiss.

 

Anyway back on track, the one day makes no difference, the defence will be admitted by the court.

 

Read this for your next stage:

http://www.consumeractiongroup.co.uk/forum/general/80091-your-court-dispensing-allocation.html

 

Have you sent you schedule of charges to the court and solicitors?

If I have been helpful please click on my star and add a comment.

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'Hi, need to find out what happens next, have done all the normal stuff and lloyds had entered an ackowledgment to the summons i did via mcol on the 26/4/07. Went back to mcol on the 30/5 and still no defence was entered by the bank so clicked on enter judgment and today recieved letter from court saying judgment has been entered. do i just sit and wait now?'

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Hi you need to have a read of this http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-guide-reclaiming-bank-charges.html?garpg=13. It's possible they will apply for a stay or to set aside judgemet.

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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  • 3 weeks later...

Hi, just recived this this morning re 'notice of allocation to the small claims track (hearing).

The hearing of the claim is to take place 12 1400 on friday 29th june 2007 bham county court with judge cooke. now this is the first i have heard about this so have not put together a court bundle yet. They are saying i have to send evidence docutments to them 21 days before the hearing , which is odd considereing it's in 7 days. can you help?

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You said you had 3 claims, yes? Which is the hearing for?

 

You need to get a bundle uptogether as soon as possible.

 

http://www.consumeractiongroup.co.uk/forum/guidance-notes/64911-got-court-date-guide.html#post553523

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/82148-got-court-date-important.html

 

Please PM me your e-mail address and a contact number.

Please remember to DONATE! Help CAG keep up the fight!

 

 

Any advice or opinion is offered informally & without liability. Use your own judgment and if in doubt seek advice of a qualified and insured professional.

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