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    • i see you are posting this all over the internet too. here you say it was returned by the post office UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please? WWW.FTLA.UK UK, Wales Returned NIP Nov23 - Heard Nothing - Now It's been returned as refused and have SJPN Form. Help please?  
    • I see what you mean. I will wait till the 8 weeks is up and then take it up with FOS. Before I do will be on with some more details on the SAR. Thank you once again. 
    • Tagging @stu007 who's great with this. You should have at least 2 months notice with a Section 21 notice (Which Form 6A is used) For now, scan, redact and upload anything you think will be useful    
    • That's fine.  The important thing is to show Kev you're trouble and so best to drop you like a hot potato. Invest in a 2nd class stamp tomorrow - all Kev is worth - and get a free Certificate of Posting from the post office.
    • Do not under any circumstances plead guilty until we know what we are dealing with. It's a sure way to 9 points. The tried and tested way to handle this is to plead not guilty to both charges and offer to plead guilty to speeding provided the "Fail to give information" charge is dropped. But I am concerned about this "ticket refused" sticker. I've never heard of this before. A "ticket" is not a term used in connection with speeding offences. There seems a distinct possibility that your response was received by the police but one thing worries me: I've never heard of a sticker being placed on a response and it being returned "Return to Sender". t's just not what ticket offices do. If you could post a picture of this document and the sticker it might help.  If you can show the response was received you may have a defence to the "Fail to Provide" charge (provided you completed your response properly). If the police are saying you did not respond they cannot succeed with a speeding charge (as they have no evidence you were driving). But if you did not respond, who put the sticker on the document and sent it back yo you?
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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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Chalkitup v DCA's


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Re overdrafts: you can CCA. I and others have done so successfully. See:

 

http://www.consumeractiongroup.co.uk/forum/general-debt/42751-natwest-bank-ccj-bryan.html

http://www.consumeractiongroup.co.uk/forum/general-debt/48764-being-taken-court-joint-12.html

 

 

I had much the same experience. Chalkitup if yours was a NatWest sole traders acount it would be covered by CCA 1974. I know mine was.

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"Why CCJ when you can CCA!"

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Thank you payingonlyencouragesthem

 

Sorry for delay in answer ... been unwell.

 

Yes mine was a NatWest sole traders account .... so it will be covered by CCA 1974 you say.

Natwest insist it is not covered!! Have you a thread I can get ideas from on how to proceed or is the info in the two threads you have mentioned in post 60.

 

 

Onwards and Upwards (all be it from sick bed at present!!!!)

 

Chalkitup

 

They will still need an agreement to enforce it even if it wasn't - I'm sure you will find they are BS'ing you because they can't find it. Just tell them you will not discuss any settlement plans until they supply you with copies of the original account opening form and overdraft agreement.

 

Get well soon!

"Why CCJ when you can CCA!"

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  • 5 months later...

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Nat West overdrafts ..... No reply whatsoever to my letters that I sent them after only receiving six years statements in reply to S.A.R - (Subject Access Request)'s on both accounts. Told them they need to supply a lot more info and heard nothing .... my letters sent to them last August ...... I am still paying them via CCCS DMP ...... Thay ARE adding interest to both accounts ..... more than I am paying them each month :o .... is that allowed as they have not complied with their responsibilities under the Data Protection Act so these accounts are in dispute?

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If they are doing this there really is no point in paying them at all. You would be better off putting the debt into dispute properly by not paying them and starting the statute bar clock ticking, far off though that may seem. Try to cobble together a plausible FOS complaint too - that should at least stop interest being charged. NW seem to just go quiet after a bit when they can't produce agreements.

"Why CCJ when you can CCA!"

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  • 1 year later...

CIU in your position I'd really be tempted to join the legions who are opting for bankruptcy. I wish I had done this 3 years ago as I'm now getting back on my feet and these blasted DCA's are still buzzing round and they could now do a bit of damage if they got me into court. Due to the nature of my job it's no longer an option for me. Stop paying the CCCS and start saving for bankruptcy fees (£750 I believe):cool:.

"Why CCJ when you can CCA!"

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