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    • Ok, so just been to see my friend, she still has her head firmly in the sand and had a pile of unopened post, thankfully nothing serious apart from this case!    In answer to your question it says N24 General Directions Order at the bottom of the page, then on page 2 where the line says "As a result of an order made on the 1 May 2024, this claim has been transferred to the county court at ##### (friends local court) " this is N271 Notice of transfer of proceedings.  Within the stack of letters I found 2 from Kearns Solicitors,    02-12-2022 Document pack with covering letter stating under the s78 CCA please see enclosed  1) A copy of the executed Credit Agreement, 2)  A copy of the terms & conditions 3) A copy of the varied terms & conditions applicable at termination / assignment, and  4) A statement regarding the conduct of your account as requested by s78(1)(a) to (c)  (Would you like me to describe the documents attached?)   18-02-2023 Generic letter asking for her to contact them to discuss settlement or they will take to court for further legal action. 
    • well you made the cardinal sin by phoning these scammers at least once so their persistence could go on. however you are new so there you go. you never ever ever phone any of these likes of scammers on these fake schemes that seem plausible.  just like a DCA chasing any old debt .. they are NOT BAILIFFS and have  ZERO legal powers to actually do anything. dx  
    • Okay understood now just based on personal experience how long does this go on for 
    • civil recovery schemes run by the likes of RLP DWF etc etc are a scam. totally IGNORE EVERYTHING. no if's or but's dx  
    • I’m 17 years old and Received 2 letters from dwf with my name spelt wrong and they are asking for for £230.40. I rang dwf civil recovery the first time upon taking advice from citizens advice to explain to delay to deadline as I was in the process of receiving advice which wasn’t much help. When that deadline was done I then called again to delay the deadline as I’m struggling financially and it’s lot of money they are asking for and I tried to dispute the cost to which they said okay we will delay it another 7 days for you to dispute the cost but I asked them how do I dispute this to you or Sainsbury’s and they said “we can’t advise you on this matter” I’ve read a lot of threads saying to ignore them but I was unsure now as I’ve made contact and have tried to dispute the payment and pay it which might mean I have admitted. Would they just persist harder and take me to court eventually or file for a ccj.   I would like to ignore them still but I would like to send a strong email so they know I’m clued up and then ignore them. I also want to pay the reasonable amount and get this matter solved. any advice on the law or similar situations are helpful when I called them I asked for an itemised bill. £101 stolen goods  ( supposedly caught me because they watched me on cctv over the duration of the week) also why did they not stop me in the first day. £20.40 recovered goods £150 security costs     Thank you 
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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.

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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.
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      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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THE Crusher BAH HUMBUG thread.


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I've had better PD. Thanks ;)

 

At least my dogs didn't get eaten by urban foxes.:eek:

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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Car failed MOT.

Meat for tea like shoe leather.

One pan boiled dry but just about saved contents.

One pan fell off hob with boiling water and runner beans all across kitchen floor. (I did manage to dodge getting splashed by it so that's good).

Annual appraisal at work tomorrow.

Fed up.

Getting a cold.

Got sore throat

OH got man flu.

 

BAH HUMBUG!

 

Rolflmao you should have stayed in bed misses :p

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It was fine until I left work except I was feeling a bit iffy. All this was from about 6 tonight.:eek:

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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they ate my chickens :Cry:

 

They chewed through the corner of a wooden shed to get to my rabbits.

 

Knew someone who worked on a farm, he hated foxes because they killed everything in sight, even though they only ate 1. And he hated magpies because they used to peck at eyes and asses of calves.

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they ate my chickens :(

 

They ate my dustbin bags !!

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Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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never seen a fox or any type of wild animal round here.

 

This is unless u count friday and saturday nites when the pubs and clubs shut.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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What has been BAH HUMBUGGING me a lot lately is when I reply to a thread on cag. Sometimes it is not on a subject I am too familiar with so will do a bit of research and hopefully point the op in the right direction or pm someone I think can help them. I don't expect a bouquet of flowers for my meager efforts but would appreciate knowing if the info I give is helpful so I can use it again for others. I have even posted asking if the info helped and 'Nothing' 'Bo-diddly squat' :(

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What has been BAH HUMBUGGING me a lot lately is when I reply to a thread on cag. Sometimes it is not on a subject I am too familiar with so will do a bit of research and hopefully point the op in the right direction or pm someone I think can help them. I don't expect a bouquet of flowers for my meager efforts but would appreciate knowing if the info I give is helpful so I can use it again for others. I have even posted asking if the info helped and 'Nothing' 'Bo-diddly squat' :Cry:

 

I always say thanks but you just made be realise I've been totally forgetting about clicking scales. Does everyone usually do this? I've noticed I've got some points - is that from people clicking my scales? And what do points do? Is that why some people have gold accounts etc - because they have lots of points?

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The status of your account (Gold etc) is determined by the amount of posts you have made (outside of the Bear Garden). The little green squares lower down are there for when people click your scales (outside of the Bear Garden), for advice they believe is helpful. The more green squares you have, the more people have clicked your scales.

 

If you have been repped by someone, you should have a notification to say that you have (the same as when you get a PM).

 

Simples;) (I think):confused:

 

 

If all else fails, kick them where it hurts and SOD'EM;)

 

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I always say thanks but you just made be realise I've been totally forgetting about clicking scales. Does everyone usually do this? I've noticed I've got some points - is that from people clicking my scales? And what do points do? Is that why some people have gold accounts etc - because they have lots of points?

 

I will click someones scales if they've helped UNLESS they have a signature that requests it. I cannot abide them (apologise to those that have them!).

 

I hope that makes sense and doesn't come across petty!

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I understand where you're coming from, but when people join these forums many don't realise that you can 'click scales'.

It wasn't until I saw it in someones signature that I discovered you could rep people for their help...

 

:)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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Sorry folks I wasn't complaining about not getting thanks or reps. I just want to know if my advice helped and the matter is solved. If the advice worked I can then pass that onto others.

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I understand where you're coming from, but when people join these forums many don't realise that you can 'click scales'.

It wasn't until I saw it in someones signature that I discovered you could rep people for their help...

 

:)

 

That's a great point. I'm just a miserable sod!

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Sorry folks I wasn't complaining about not getting thanks or reps. I just want to know if my advice helped and the matter is solved. If the advice worked I can then pass that onto others.

 

For the record I really rate your advice and also the way you deliver it. You're always friendly with newbies and I think that goes a very long way!

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Sorry folks I wasn't complaining about not getting thanks or reps. I just want to know if my advice helped and the matter is solved. If the advice worked I can then pass that onto others.

 

I know you weren't - your post just reminded me that I'd been meaning to ask about scales & points & things for a while.

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The status of your account (Gold etc) is determined by the amount of posts you have made (outside of the Bear Garden).
Although technically true SOD'EM' date=' it doesn't take into consideration that many [b']CAG[/b] Users have recently had their total post counts reduced + the criteria for the various CAG account status thresholds have also been changed.

 

 

 

 

 

 

...The more green squares you have' date=' the more people have clicked your scales.[/quote'] Again, not necessarily true.

...It all depends on the repping power of the User who reps U.

e.g. A zillion reps by newbies, who are genuinely grateful for a little help here + there, are easily outweighed by the odd rep by a Site Team Member or long standing CAG User.

Far from 'simples' methinks. ;)

:cool:

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