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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
  • Our picks

    • 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 
        • 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
        • Like

Me -vs- Blackhorse......HELP!


drob
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would you believe it-been sent on to cardiff

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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me too drob-can't believe they advised me to send my letter to the wrong address but at leat its been received on to their systems and my timetable remains the same-i'm going away on 28th aug so at least my lba will have gone by then!

 

keep your thread updated cos weve got internet facilities at the hotel so may look in whilst away-if i can drag myself from the beach

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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i don't fly til 29th aug so hopefully one of us should have heard something by then-not too sure if they settle easily-just worried at the mo that loan companies will also apply for stays before too long-just want to get this one at least to court stage before they do if necessary

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Share on other sites

got letter saying theyve enclosed £250 cheque but none in envelope-will bank it when it aarrives and carry on claiming remaining £1000

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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Share on other sites

  • 3 weeks later...

OK ................. i have now sent Blackhorse a letter before action and i have received a prompt reply stating "We have decided to offer a concession and refund part of your charges therefore we enclose a cheque for £104.00"

 

Guess What????? They seemed to have forgoton to enclose the cheque!!!! THE CHEEK OF IT!!!!

 

Oh well next Friday time is up and it's time to issue a county court claim.

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  • 4 weeks later...

Well Blackhorse sent me a cheque for £134 as a gesture of goodwill. I wrote back to them...............

 

Thank you for your letter dated 17th September

I respectfully decline your offer of full and final settlement and request, one final time, that you return to me all charges imposed on this account, totaling £230.

In order to avoid Litigation against you, I am prepared to accept the sum of £134 offered as a partial settlement on the clear understanding that the remainder of £96 is paid within the next 7 days.

Failure to comply with this request will result in legal action against you for full recovery of £96, as detailed in my Letter before Action.

 

If you do not accept my conditions for acceptance, or you do not respond within 7 days, for the avoidance of doubt, I wish to stress that I do not accept your offer under the terms stated in your letter and a County Court Summons will be issued to you from the Southport County Court without further warning and court costs, solicitor costs and 8% statutory interest will be added

 

I trust this clarifies my position and I await a prompt reply.

Blackhorse replied stating that............

We have already refunded £134 as a gesture of goodwill. Unfortunately your claim for a further refund has been rejected.

I am now in the process of issuing a count court claim, can anyone point me in the right direction on how to word the claim?????

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The MCOL form has so little space for the particulars of claim it often leads to all sort of probelmes with the claim being deemed 'not properly particularised'. You then have to spend £35 supplementing the POC with an N1. Much better to do it using an N1 in the first place. N1 can be found here

 

 

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  • 2 weeks later...

hi drob-hows it going?-enjoyed myself in mexico -now back to reality-i have sent deveral letters to bhf-got initial refund of £100.wrote to say i wasnt happy-got another cheque for further £250.....

rang and complained to matthew falder-getting further cheque for another £532 so all in all £882 up til now-they say if i want to file in court i need to return all monies received-=can i not just accept it as part settlement??

lloyds S.A.R -sent 04/04/200

statements received 11/05/2007

prelim-14/05/2007 -£4987

lba-30/05/2007

n1-20/07/2007

 

Co-Op prelim sent-20/04/2007-£136.50

settled in full

goldfish prelim-27/06/2007

 

capital one -deemed served -01/07/2007

settlement without cci offered 17/07/2007

halifax prelim-17/07/2007

 

aqua--prelim-13/07/2007

 

welcome-prelim-30/06/2007

lba-14/07/2007

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  • 2 weeks later...

Hi,

 

I am the same boat as you guys, £175 added after the CCJ was given. Spoke to someone today about PPI and also about the charges added after the CCJ. His explanation was "that was the way our client did their business".

 

I was asked to fax in my letter so will do tomorrow, but it does sound like you guys have had a lot of success.

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  • 3 months later...

Hi Drob,

 

how did you get on?

 

I too had a part offer of payment which surprise surprise when I too opened the letter the cheque did not exist. This is obviously some stupid frustrating tactics they use to get you to give up.

 

I will be starting my own thread so I can more advice on the CCJ removal.

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