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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 
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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.
      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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Find out here if your local court is staying claims


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BBC NEWS | Business | Banks still being sued over fees

 

The above link contains the following description of the origin of stays a month ago:

 

start_quote_rb.gif To allow individual claims to proceed is likely to result in considerable wasted costs end_quote_rb.gif

 

Judge Gary Hickinbottom

 

"When the Office of Fair Trading and the banks agreed at the end of July to go to a test case on the legitimacy of overdraft charges, the banks also approached the Master of the Rolls, the head of the civil justice system in England and Wales, and asked him to stay all current cases.

o.gif

However, Sir Anthony Clarke decided not to do so.

 

Instead, his deputy wrote to all senior civil judges in England and Wales and asked them to consider staying cases on a case-by-case basis, as appropriate. In other words, he left it up to them."

 

-------------------------------------------------

 

I appreciate marcus2864's scepticism about stays being lifted by a grassroots petition. However, even more so I agree with peterpete's point that justice at the moment is asymmetric.

 

Banks can put victims' lawsuits into limbo pending the OFT hearing. But victims are not allowed to resist still more unlawful charges ahead of the selfsame hearing. Banks can stop victims. Victims cannot stop banks.

 

Judge Hickinbottom gave one reason for the stays -- "To allow individual claims to proceed is likely to result in considerable wasted costs". I would suggest that to disallow individual claims to proceed even while fresh injuries are daily inflicted, will signal to the nation that law courts condone one-sided contempt for the law.

 

If CAG would like to head a petition I want to be the first to sign -- for the Master of the Rolls to advise courts that, if any bank does not immediately stop levying further allegedly unlawful penalty charges, that hearings stayed against aforesaid bank should be allowed to resume their progress.

 

If banks say there is no merit in this allegation of unlawfulness, why have they all refused as one over the past 17 months to refute this allegation in court? £39 penalty charge for going overdrawn 39 pence?

 

You cannot be serious.

 

 

Here here, nicely put and Ill be the 2nd to sign. The courts are now causing much more havoc and why are they siding with the banks!!

 

DS

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. . . if any bank does not immediately stop levying further allegedly unlawful penalty charges, that hearings stayed against aforesaid bank should be allowed to resume their progress.

 

That is, quite simply, the best suggestion I have seen on the whole issue of stays!

 

But how do we get it applied universally in the Courts?

 

Adam.

I do my best to be helpful, but at the end of the day I'm not a professional - please seek further advice if you're not sure. On the other hand, if I have helped, please click my scales - thanks ;)

 

Current Claims (all for friends!) -

 

Abbey - over £4k - Court claim issued & AQ filed ('Tish vs Abbey'). Alloc'n Hearing 21 Sept - Claim stayed 29/8/07.

Cap One - just under £2k - WON (just over 2k!)('Tish vs Cap One')

Cap One - just under £1000 - WON (just over £1k) Nov 07 (JimmyBoy vs Cap One)

Lloyds TSB - £3.5k - Court claim issued, defence rec'd and AQ filed; Alloc'n hearing 7th Sept Claim stayed 29/8/07! (JimmyBoy vs Lloyds')

MBNA - over £1k for mis-sold PPI - WON - approx £1500(IpswichWitch vs MBNA . . .)

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It seems that if the Banks apply for stays, we should use the stay template to attempt to get it lifted, but if the Court applies the stay, that's all right then. It's o.k. for the banks to breach my Human rights but not the courts?

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Gloucester County Court

 

Have stayed four claims (Lloyds/ Lloyds Card Services, Egg & Cahoot)

 

Am appealing

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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This might sound stupid but my case has been stayed by southend county court, but my local court is colchester who transfered it to southend just befor the stay was issued. is this just normal procedure or has something irregular occured. and when is the test case.

Herbs

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Sorry if this has already been answered , but do I have to file at the court closest to me or can it be one nearby ?

My local one stays all claims, while the next one along up the road (approx 20 min by car) proceeds on a case by case basis

Could I file there instead ?

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Icy,

 

Barnet CC are issueing blanket stays, even on Business accounts which does not fall under the remit of the OFT test case.

 

They say you can within 7 days application can be made to set aside paying the appropriate fee.

 

DSxx

That's all well & good them sating that but it's wrong for them to stay cases which shouldn't be ... I've had one stayed for a c/card claim after the bank requested it & they are not covered either! I've written to the court advising this & have had the same reply that I can apply to have it lifted & the usual fees apply! Why should we pay when it shouldn't be stayed in the first place - the banks are abusing this order & I for one will be making a complaint to the relevant authorities about it.

 

Thing is - i'm sure the fee for the stay being lifted is not claimable back from the banks either - Mine's not a big claim so looks like I'm stuck with the stay for now as i really don't wanna be throwing any more money at it - especially money I won't get back!

 

Rant over! :-x

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Sorry if this has already been answered , but do I have to file at the court closest to me or can it be one nearby ?

My local one stays all claims, while the next one along up the road (approx 20 min by car) proceeds on a case by case basis

Could I file there instead ?

 

You can file your claim at whatever court you like - it's your claim! Good Luck :)

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Hi Icy just to let you know I attended court this morning and was told that Judge Gerlis at BARNET COUNTY COURT had stayed all claims relating to bank charges 2 weeks ago. No letter no phone call nothing.

 

How Courteous!! I can't believe they didn't have the decency to write to you - I would have been most annoyed if I'd arranged time of work & child care to attend court - If it were me I would be tempted to write to the judge to 'air' my dismay! :mad:

links to my current claims ...

My claim - Yorkshire Bank Visa

chezt V RBS Mastercard

Chezt v RBS Joint Account

chezt v Abbey Credit Card

 

Settled ...

chezt V Duet Card/Creation Finance

chezt v's Studio Cards

chezt v's Littlewoods Catalogue

 

Next ...

Abbey Joint a/c & Single a/c

Barclaycard (Mine & Hubby's)

Anyone else I can think of ...! :rolleyes:

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Yes indeed, I am thinking about what to write. Turned up, the case was on the boards under the WRONG name and to top it all the judge didn't have a copy of my bundle. I really despair for the state of our courts. I felt as if I had been swept under the carpet with all the dust.

:-|

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I've written today to Gloucester CC in respect of 4 stayed cases, only 2 of which are bank accounts, the other 2 being loan and/or credit cards.

 

I've paid my £35 each and am feeling a little miffed by the whole farcical situation!

Charlie

 

Won so far....

Lloyds Bank - £8500

Lloyds Mastercard - £800

Egg - £1500

Cahoot - £1500

HFC - £180

GE Money - £600

Midshires - £1100

Friends, family & neighbours I've helped - £5000+!!

 

Currently working on...

 

Charges:

Lloyds (again) £2200

CCA:

Lloyds (yawn) & Egg

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Hi all, i had my claim stayed against Barclays at Ipswich County Court. I put in a application to lift the stay and £65, received a letter this morning to say i have a court date to see if i can have the stay lifted. Does anyone know what i have to take to this. Is it just evidence of financial hardship, thanks

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You can file your claim at whatever court you like - it's your claim! Good Luck :)

 

I can't disagree, but the claim will be case managed by the Court you issue at and can be transferred to a Court local to the Claimant, in these cases.

 

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