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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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moneybox radio 4


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I've just been listening to it.

It played OK on my PC with REALplayer.

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Gob-smacked !

 

I thought that the interviewer was patronising to BAG. members.

That said, he did redeem himself with the question of the lawfullness of the charges.... the representative of the banks was made to feel very uncomfortable.... this was obvious from her voice.

 

Closing accounts doesn't suprise me..... The banking industry is like a spoilt child...... If you won't play my games, then I'm taking my ball in, so there !

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It was me who was on at the beginning describing how I got my dosh back from Abbey. My bit was edited together from about 20 minutes of chatting to the guy. He asked some good questions, and I gave some forthright answers, but I wouldn't say he was patronising to me.

 

I thought the A&L and BBA women came across very poorly, and I would say that they did the banks' position no favours at all. That being said, they were trying to put a fundamentally weak point across, which was always going to be difficult.

Robertxc v. Abbey - £3300 Settled in full

Robertxc v. Clydesdale - £750 Settled in full

Nationwide v. Robertxc - £2000 overdraft wiped out, Default removed by order of the sheriff

Robertxc v. Style Card - Default removed by order of the sheriff

Robertxc v. Abbey (1) - Data Protection Act action. £750 compensation

Robertxc v. Abbey (2) - Data Protection Act action. £2000 compensation, default removed

 

The opinions on this post are those of Robertxc and not necessarily the opinions of the group and do not constitute sound legal advice. You are advised to seek professional legal advice.

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I listened yesterday lunchtime with interest. This subject has been on Moneybox a couple of times recently, and after the last time (2-3 weeks ago) I sent my story into Radio4/Moneybox. Unfortunately all I got was a 'standard' reply saying someone might follow it up in the future.

 

Thanks to the piece yesterday I knew which links to follow to end up here - and after reading a couple of people's stories I'm dying to get my teeth into a few characters at HSBC and MBNA :evil:

 

Good work on the radio - you didn't take any rubbish and the bank's words were defensive and weak. [ and nice to 'meet' you all :) ]

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Hello TaylorMade, welcome and good luck with your claims.

 

We were all so indignant after the programme that we forgot to say thanks (like you did) to Robertxc and seminole for their contributions.

 

So, to Robertxc and seminole, THANKS and well done.

 

Onwards and upwards

 

Elsinore

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If people hadn't already realised, you can listen to this on "listen again" service from the bbc website. I think it only stays up until the next program, but if you missed it - you've still got about 24-hours to listen.

 

Maybe I'm suffering from hearing problems, but when asked if the £50 od charge was truly the cost to the bank, the A&L lady clearly said "no, but it is fair". Is that a public admission?

 

And also; Their position is that it would be too expensive to fight these cases, on the basis that it would cost them too much to defend individual cases. According to the survey, A&L have handed over (for no reason) £31,942 to people on the BAG survey. If they had spent £20,000 defending the first claim, they would have saved £12k... And possibly much more. Does that make business sense to *anybody*???

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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Hello TaylorMade, welcome and good luck with your claims.

 

We were all so indignant after the programme that we forgot to say thanks (like you did) to Robertxc and seminole for their contributions.

 

So, to Robertxc and seminole, THANKS and well done.

 

Onwards and upwards

 

Elsinore

 

Just to say, it wasn't me.

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I thought it was BankFodder. Kind of guessed it was Robert when they introduced him. Sorry, forgot to say before, well done Robert and ?:rolleyes:

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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If anyone wishes to hear this broadcast, click on the link below and on the page click Money Box just under the Radio 4 logo near the top right of the page.

 

http://news.bbc.co.uk/1/hi/programmes/moneybox/default.stm

 

Regards to all,

 

PeteCC

NatWest, claimed £521.00, settled in full.

Data Protection Act to LTSB (sent 15th June) Received statements 10/7/2006. Claiming £570.50. Sent claim 17th July Reply received 21st July. (sent LBA 22nd July) Then the procrastination started. http://www.consumeractiongroup.co.uk/forum/lloyds-bank/11169-peters-progress.html

Settled in full £905.18, confirmation faxed to the court the day before I appeared, which meant I didn't know 'til the Judge told me.

Letter requesting disclosure of account info from Thoburn's bailiffs. (sent) Data Protection Act to follow.

Ooh, the suspenders is killing me!

:D

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Maybe I'm suffering from hearing problems, but when asked if the £50 od charge was truly the cost to the bank, the A&L lady clearly said "no, but it is fair". Is that a public admission?

 

 

And another useful telephone conversation which presumably went unrecorded and so is completely deniable by the bank

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And another useful telephone conversation which presumably went unrecorded and so is completely deniable by the bank.

 

It was on the radio programme! Broadcast nationally and 100% un-deniable!

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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It was priceless.

 

"Why don't you take one of these cases to court and get a judgement to stop all these claims?"

 

"We prefer to carry on dealing with the claims as we have so far (i.e. paying them)"

 

Smile? - I laughed and laughed.

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A good listen, well done Robert and I think Bankfoddder points put over quite comprehensively!! on the other hand the bank rep was not very good, but very interesting the fact that they will continue to pay up and not fight!!

Chrismc v Vertex Data Science Ltd

SD Set Aside WON + Costs

 

 

Chrismc v Barclays

Won - Settlement Agreed at 11th Hour.

 

Philips Bailiffs

Lost - Judge changed at last minute, it didn't help!

 

G-MAC Early Redemption Charges Waived

Won - Early Redemtion Fees Waived in Full.

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Well done Robert and Bankfodder. Excellent interviews. The lady banker didn't sound very convincing to me. Made a few ambiguous statements. The threat of account closures was very clear though, wasn't it?

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First Direct 1 - settled

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RBS 2 - claim made 8/5/6

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Halifax - settled 31/5/6

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For the benefit of Bookworm and anyone else who can't listen to it a full transcript can be found here

 

http://news.bbc.co.uk/1/shared/spl/hi/programmes/money_box/transcripts/10_06_06.txt

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