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    • So, Sunak has managed to get someone to 'volunteer to go to Rwanda hasn't he? .. for just £3000 payment to the person plus 5 years free board and lodging isnt it? - cost to UK taxpayer over £300M+ (300 million quid+) isnt it? - Bargain says Rwanda, especially with all the profit we made privately selling those luxury chalets Bravermann advertised for us   I wonder how many brits would jump at that offer? Thousands? Hundreds of thousands? Lets see, up to 5 years free board and lodging and £3k in my pocket .. I'd go - and like that person - just come back if/when I get bored. First job - off to Botswana for a week to see the elephants.   Of course the paid volunteers going to Botswana are meaningless - Rwanda have REPEATEDLY said they wont take any forcibly trafficked people in breach of international law eh? Have the poops actually got any civil servants to agree to go yet - probably end up as more massive payments to VIPal contractors to go and sit there doing nowt shortly eh?    
    • Hi Wondered if I could get a little advise please. I entered into a commercial lease (3 years) and within a few months I had to leave as the business I was trading with collapsed. I returned the keys to the landlord and explained the situation and no money, also likely to go on benefits but the landlord stuck to their guns. They have now instructed solicitors to send letter before action claiming just over £4000. The lease was mine and so the debt. I know this. I have emailed the solicitors twice to explain I am out of work and that with help from family I could offer a full and final settlement figure of £1500 or £10pw. This was countered by them with an offer to reduce the debt by £400, or pay off the amount over 12 months. I went back with an improved full and final offer of £2500 or £20pw. This has been rejected with the comment 'papers ready to go to court'. I have no hope of paying the £4000 and so it will have to go to court. Pity as I have no debts otherwise but not working is a killer. I wondered if they take me to court, could I ask for mediation? I also think that taking me to court will result in a pretty much nothing per week payment from my benefits. Are companies just pushing ahead with action even if a better offer is on the table? Thanks for your help.
    • Hi all, Many thanks for the advice! Unfortunately, the reply to the email was as expected…   Starbucks UK Customer Care <[email protected]> Hi xxxxxx, We are sorry to read you received a parking charge after using our Stansted Airport - A120 DT store. Unfortunately, the car park here is managed by MET parking. Both Starbucks and EuroGarages who own and operate this site are not able to help and have no authority to overturn any parking charges received. If you have followed the below terms then you would need to send all correspondence to [email protected], who will be able to assist you further. Several signs around the car park clarify the below terms and conditions: • Maximum stay 60 minutes, whilst the store is open. If the store is closed, pay to park applies. • The car park is for Starbucks customers only who make a purchase in our store, a charge will be issued if you left the site. • If you had made a purchase and required additional time, you must have inputted your registration number into the in store iPad which would have extended your stay up to 3 hours • To park in a disabled bay, you must have displayed a valid disabled badge. • If Starbucks was closed, you must have paid for parking as charges still apply, following signage located on site. • If you didn’t use the store, you must have paid for parking, following signage located on site Please ensure all further correspondence is directed to MET parking at the above email address, and accept our apologies that we cannot help you further on this matter.  Kind Regards,  Lora K  Customer Care Team Leader Starbucks Coffee Company, Building 4 Chiswick Park, London, W4 5YE
    • Thanks HB edited and re-uploaded. Thanks for the heads up 👍
    • Am in the middle of selling my house but it's been held up as still showing a change on the property from welcome finance, have not had any contact from them for years or prime credit and need this sorting asap As far as am aware the loan was paid of some 8 years ago
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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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Arkanara v A&L ***WON***


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The choice is yours Lee. It probably won't make any difference in all honesty, but I would hate to see it go wrong for the sake of being patient for a few days.

 

Good luck with your claim Em. If you want me to post the details to Litigation in Progress when you have them feel free to PM me.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I am dying to just move on and do my moneyclaim as you are too! Monday is the day when i am going to though, can't wait i'm off work the week after that so it would be great to wake up to a cheque on my hols!

 

Monday it is then....Good Luck!!!:)

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Hi em, I'm gonna wait til monday as caro suggested. A couple more days won't make too much difference. We might as well do our moneyclaims together, hopefully we'll both receive our cheques at the same time as well. I just want to get this claim over with now then i'm gonna start on the 4 credit cards i have.

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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Well done em, i'll be doing mine as soon as i get home. Can't wait, its pretty much ready to submit, just need to check to make sure everything is ok then off it goes.

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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At least you have it all just about sorted, if you submit it today then they are processed tomorrow just as mine will be!

 

I'm sure i have do do something else now on the site, PM the MOD? I've seen it alot at this stage but no idea how to do it.

 

Caro - are you there? I need your extremely helpful help again!

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Got a letter from A&L yesterday stating that because i had gone overdrawn they were issuing a default notice!! I was spitting :-x , i've gone overdrawn many times in the past and never had a letter like that before. I get wages and other finances paid into my account on a weekly basis so if I do go overdrawn I am never for long, it just seems very stange how this letter is so different to every other i've received telling me i'm overdrawn.

 

They really do take a different view on you if you start reclaiming your charges, i must say i am shocked that there attitude changes so much and such predjudice to those who are only claiming back what is rightfully theres is so obviously shown.

 

The sooner i get my dd's transfered to my new account the better, i cant wait to be rid of that lot!!

 

as regards A&L closing accounts, (or any other banks id suppose)id like to see confirmation from someone, if they try that after you tell them in 'your Letter Before Action that any attempt to defame or disadvantage you as a result of you exercising your legal rights will result in further legal action.' as per Mr.Angrys advice in my post here. Bettynomates v Alliance & Leicester

 

iv read so much in the last few days, that its hard to keep track, but i also think its in the LBA were you also state that they must remove any and all defaults in relation to this action or some such.

 

anything other than total removal is no good to anyone especially if you read all of this thread

http://www.consumeractiongroup.co.uk/forum/legalities/20118-default-hell.html

 

perhaps its just me, but it appears many people are forgetting or not being told to include these 2 very important parts in their claims/paperwork, and so it would appear these people are leaving the door open to the dirty tricks the banks are and will use in the future?.

 

heres an outline of why its important to tell them to remove it

Remove Default Notices on a Credit File - We show you how

"

This 'Default' will show up on your credit file and it is very bad news because it ranks right up there with a County Court Judgment (CCJ). People often assume that a CCJ is the worst entry on a credit file (apart obviously from bankruptcy) but in reality most lenders view CCJs and Defaults as one of the same. Subsequently anyone with a Default will find it very hard to get any sort of credit including a mortgage at a decent interest rate.

 

 

Paying The Debt Off Is No Good

  • Assume you have a default marked on your credit file and continue to miss payments. You are then summoned to court and have a CCJ against your name and this is also noted on your credit file BUT, before you appear in court you negotiate with the lender and either pay the debt in full or arrange a deal to pay off a percentage, perhaps 60%-80%
  • In such a situation you would think the matter is closed. You were bad but made good in the end NO. Most people don't realise that though the Default will be noted as 'satisfied' on your credit file, the word 'default' WILL NOT DISAPPEAR and it will remain there fora minimum of 6 years
  • If however you pay off the debt in full then you are strongly advised to write to the finance company in question and politely ask them to remove the default notice - there is no guarantee that this will work though

The word 'satisfied' looks good in your eyes but in the eyes of a possible lender (mortgage, credit card company etc) it is massively overshadowed by the word 'default'. Any lender will take one look at the fact that you haven't been good at managing your debts in the past (rightly or wrongly) and will likely close the door on you and any future business."

 

as for the part about 'further legal action', im not clear on what we might do with that option or the step by step sequence etc, perhaps someome here can advise us?.

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There's a whole thread about AQ in the templates folder.

 

Can't speak for anybody else, but my A&L experience last month was this;

 

1. They acknowledged the claim and indicated they intened to defend in full.

 

2. A week later, they settled in full.

 

 

Hope the same is true for you.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Thanks fivelaws, i'll have a read of that thread. I'm certainly going to look into this default business too, not sure if I have had one entered but i'm off work next week so will be contacting A&L to find out exactly what the situation is.

 

Thanks for the advice again all.

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Got a letter from A&L yesterday stating that because i had gone overdrawn they were issuing a default notice!! I was spitting

 

Sorry, missed this the first time.

 

I've also recieved those letters from A&L, but from what I've been able to work out (in my case), they were all "final threats of a default" and not an actual, proper default. There is certainly a difference.

 

A quick check (for £2) of your Experian record will tell you what's what, but if you have got a "proper" default, then you could/should certainly demand the removal as part of your claim.

A&L: Settled - £6,200

HFC: Settled - £800

Shell Visa: Settled - £250

Egg: Settled - £700

Mint: Settled - £1200

RBS: Settled - £850

 

The opionions in this post are guaranteed to conform to the laws of physics, but pretty much nothing else...

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Check your PM's Em. I need some info from you for litigation in progress forum.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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hi em, my claim status as changed to acknowledged today as well, good eh.

 

not long now hopefully, going to cornwall tonite so i hope i come home to £3,300

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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  • 2 weeks later...

Still nothing from A&L, i'm back at work tomorrow after taking some hols, I was hoping I would have the joy of being here when the postman arrived with the cheque i'm anxiously waiting for!

 

The longer the wait goes on the more nervous i'm beginning to feel that for some reason mine will be the only one that hasn't worked or that will go to court!

 

Hopefully not...!!

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It'll never happen (going to court that is, I don't mean you will never get your money. lol). You will get home from work one day and find the cheque on your doormat. Just sit back and plan what you are going to do with all that lovely lolly.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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:D
The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Ok now I really am nervous! I filed claim on 21st Aug, they Acknowledged on 25th but as of today 12 Sep still no cheque. It's making matters more nerve racking when I see other threads which have been paid when they filed after me! I know we all have to be patient but i've just read a thread of some one who filed 4 days after me and has received their cheque today, also two other threads showing people who are only days away from the 28 day deadline and no cheque for them either!

 

Has anyone reached the 28 day deadline as yet without receiving their cheque?

 

I cant help feeling really scared!!!!:confused:

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Hi em, try not to worry too much. Its more annoying than worrying, I can't wait to get my cheque and get away from this "bank" forever!!!!!

I'm sure the cheque will be here soon.

 

Just hang on in there for a little while longer.

 

Lee

A&L Data Protection Act sent 8/6/2006 - Statements received 27/7 - Prelim request for payment sent 28/7 - LBA sent 8/8 - MCOL 21/8 - Settled in full £3317.66 20/9:lol:

MBNA Data Protection Act sent 8/8 - 14/9 Offer of £2,247.35 accepted. (£1,160 charges plus compound interest). Second account = offer of £1,182.30 (£436 charges plus compound interest) :lol:

Morgan Stanley Data Protection Act sent 8/8:) Total of £875 charges.

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I can't believe it, it worked we won!!!!!!!!!

 

Came home this evening to find a cheque for £3841.43!!!! I'm absolutlely over the moon, i really was beginning to worry.

 

A HUGE thank you to everyone who has helped me along the way to achieve this, especially Caro and Lee. Couldn't have done it with out you or this site. As soon as the cheque clears a donation will be made.

 

Can my title please be changed to WON!!!

 

To everyone else, although it may seem daunting and scary hang on in there!

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CONGRATULATIONS!!

 

Well done. I have just had the Acknowledgement of Service today, so its 28 days from 12th september for me!!! I just wanted to ask if you prepared any stuff eg. paperwork, cuttings, sound clips etc for court? I have a feeling I should start working on these just in case...???? Any help now would be appreciated.

A&L MCOL Filed 10.09.06

A&L Settled in full 21.09.06 £1567.35

 

Lloyds Credit Card MCOL Filed 30.01.07

MCOL Issued 31.01.07

MCOL Judgement started 21.02.07

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