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    • First begging letter received from Overdales   ;Blah blah blah, our client's are going to win this blah blah blah we supplied all your documents under CPR   PS you can stop all this by paying £1200 less in a lump sum
    • Right,  so the court hasn't send out the Directions Questionnaires/N180s yet. PE's one is a false one, meant to intimidate you into thinking your defence was rubbish and they are confident with their claim. This is par for the course.  The PPCs do this regularly. However, PE have gone further and written that "a copy has also been filed with the court" which is a lie as the court haven't even sent out the papers yet. Keep a screenshot of MCOL, later on in your WS you can draw attention to their lying and abuse of court procedure. If you've got time on your hands, then complain to the BPA about one of their members lying.    
    • We need documents to be uploaded in PDF format. Uploading in Microsoft Word format discloses personal details relating to you which you should not be sharing. Click upload – to understand what to do. How did you pay for the vehicle? You start by saying that you should have walked away – yes you should. Not only because of the reputation of this company but also if the transaction isn't perfect you shouldn't get involved and you certainly shouldn't be taking the word of some used car dealer. Big fail! Why are some of your letter in black and some the in red? When you get some of the ideas in there – have you use a template from somewhere else? They aren't interested in a delay caused by some fire alarm or something. They certainly aren't interested either by the distress you are suffering. They have hundreds of customers who become victims of this kind of thing. All of those customers suffer distress. Big Motoring World don't seem to be very bothered. What are the faults which exist with the vehicle now? Is it just the splashing? Where is the splashing? What is it that is splashing?   Do I also understand that you purchased the vehicle without trying it at all and the first time you were in it and had splashing was after you had made the contract?
    • A claim was issued against you on 22/04/2024 Your acknowledgment of service was submitted on 06/05/2024 at 13:28:08 Your acknowledgment of service was received on 07/05/2024 at 01:05:18 Your defence was submitted on 23/05/2024 at 21:20:03 Your defence was received on 24/05/2024 at 08:05:43
    • I drove a friends a car for a few days and I used cuvva car insurance to insure myself for the time period. Here's the problem: I made a mistake with the dates on the insurance, I ended up driving uninsured for one day and I got a speeding ticket. My friend named me as the driver on the Notice of Intended Prosecution as she should and I will take the blame of course. Will met police ask for proof that I was in fact driving? I mean, any more other than me replying to the NIP that I will soon receive from them? Cause I assume that my insurance for the day will be the proof that they need... Secondly,  if caught driving uninsured, what will happen please? I read it's £300 and 6 points. Is that all or is it worse? I'm only asking for information from knowledgable people. If you intent to just mock, you're certainly not helping. Thanks
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 161 replies
    • 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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Cwoj Vs Abbey


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Hello,

 

I have sent a letter and £10.00 requesting information under the DPA from Abbey relating to an account which was open until March 2003. They wrote back, with a standard letter saying that the information was stored on Microfiche and as such was not covered under the data protection act and therefore except from the 40 day ruling. The letter then went on to tell me that they would send the information out in due course and that my £10.00 had been cashed to cover this cost??

 

I thought the £10.00 was for the DPA request? Anyway, i took this as being the microfishe delay argument and send out the Letter found in the sticky above thinking that this would sort it. I was very supprised to get this letter yesterday

 

Dear XXXXXX

 

Thank you for your letter blah blah

 

Unfortunately, we are unable to supply a list of charges applied to your account for the last six years because we do not store this information separately from other transactional data. We can only supply a list of transactions on your account, which will include details of any charges applied.

 

I would like to advise you that under a Data Protection Act Request, you will only receive the transactions that are currently held on our systems. These have been forwarded to you within 40 days, free of charge. Any earlier transactions have been archived onto microfiche, which is not covered by the Data Protection Act. These archived transactions will not therefore be supplied to you under a Data Protection Act request and will not be subject to the 40 day ruling.

 

The additional information you have requested does take a little longer to provide but I can assure you that we will send the archived information to you as soon as possible.

 

I trust that this information has helped to clarify the situation. Blah Blah

 

Yours sincerely

 

Clear as mud now. So from this I know that they cant just send me a list of charges, but they could send the statements, but if archived then the DPA doesn’t apply??

 

The DPA expires on the 19th, and they have cashed my cheque I send for the DPA so what should I do? LBA or just wait? Anyone else waited and found that they send them or will I be waiting for years?

 

Thanks In advance?

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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Hi. Very same thing happened to me. After a lot of investigation, I have the answer. Please see "Does this mean they have rejected my DPA request?" thread.

 

Keep at them!!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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Thanks i had actually read the thread, but wanted to know how many people had actually got statements through that had been on microfiche and not subject to the dpa or if people had sent the non compliance letter.

 

I think i am going to go down the non compliance route as i think they are giving me the run around.

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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It seems to be mixed.. some people received the statements pretty quickly and some didn't. I have sent a letter saying:

 

I note your comments in reference to the archived transactions not being covered under the Data Protection Act, but would advise you that you do still have to supply this information within the 40 day period.

 

To be clear, the information I requested is due by 31st July 2006, and should there be any further attempts to delay compliance, I will be left with no alternative but to commence a County Court action under section 7, and section 15(2) of the Data Protection Act 1998, and in due course, escalate this matter into an official complaint to the Information Commissioner and the FSA.

 

Hope this helps.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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When did you send it? I wonder what they will say / do? :rolleyes::rolleyes:

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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it's going tomorrow. My guess is they'll do nothing different from what they were going to do anyway, but hopefully they'll realise I'm serious and I won't be fobbed off!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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let me know what happens, i am going to send a non compliance letter tom then see what happens

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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Will do! Good luck!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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yahoo, i got them all this morning.....and they were off microfiche... so thats stage one done.

 

I have noticed that 49 items that say CLEARED TRANSACTION CHG -10.00

 

i am assuming that this is when i used my switch card whilst over me overdraft limit. Does anyone know if i can claim these back? am about 99% certain that i can, but can anyone confirm it for me?

 

Ta

 

Cwoj

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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Great news!!! Good bedtime reading, huh?

 

Yes - most of mine are 'cleared transaction charges' too. This appears to be when they charge us for any transaction whilst over the od. If I'm wrong, I'm sure someone will say!

 

Thanks for keeping us posted!

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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can you claim the CLEARED TRANSACTION CHG -10.00 back? Can someone please let me know as i am wanting to send my first letter in today.

 

Thanks In advance

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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anyone? hello is anybody there or is it just me? :o:o

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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Thanks

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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  • 2 weeks later...

cwoj... any updates yet?

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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they have wrote back saying sorry to hear that am upset and will look into it. The time has come for a LBA, then court

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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Great. Keep us posted.

Abbey - 547.00 settled in full.

Second claim: £204 WON.

Barclaycard - 142.88 incl interest due WON BY DEFAULT as they didn't even bother entering a defence. Barclaycard paid up £184.88.

 

MBNA - Concluded £634.31

Capital One Concluded £148

Kinda disappointed I've no more banks to go after now...

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  • 2 weeks later...

I sent my LBA on the 17th July, however i got a letter from them yesterday, basically saying the the charges stand and that it wasnt the first time that i had incurred these charges. The letter goes on to say that if my complaint escalates into a claim in the county court and they feel that the relationship has broken down completely then they would give notice and close the account.

 

Strange, given that they closed my account for me two years ago?

 

I also noted that the letter was dated te 10th July, but only arrived yesterday!

 

Does anyone know why it would take so long, or is it just one of those things?

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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a bit of both...they usually have about 5 day between the dated letter and delivery...sometimes more depends how long it sat on someones desk

Abbey £4340.59 *WON* Jan 07

 

Abbey II MCOL 31/03/07 £8800.00

 

Please note..I AM NOT AN EXPERT ANYTHING WHAT I POST IS PURELY MY OPINION AND MAY BE WRONG IT IS JUST BASED ON MY UNDERSTANDING OR EXPERIENCE

 

Read my latest claim its a fast track potentially

http://www.consumeractiongroup.co.uk/forum/abbey-bank/61406-noobrider-abbey-take-2-a.html?highlight=noobrider

 

read my first claim which includes attending a directions hearing in court

http://www.consumeractiongroup.co.uk/forum/abbey-bank/10576-noobrider-abbey.html?highlight=noobrider

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thanks, thats what i thought...does anyone know if it was a standard letter

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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  • 3 weeks later...

Just to update, i have sent Abbey another letter asking them to reconsider, but they have basically said no. So its off to court we go, just as soon as i get paid.

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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  • 2 weeks later...
  • 3 weeks later...

How long do you need to allow the initail court papers to be served, i started a moneyclaim site on 19th August and they were issued on the 21st September. As i understand it they should have done an Acknowledgement within 14 days so by today?

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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anyone?

Halifax Current Account - Claiming Over £2k

Halifax Card Services - Claiming Over 1K

Capital One - Settled

Citi Cards - Claiming Over £1k

Abbey National - Claiming Over 3K

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