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    • 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
    • Hi, Please find letter sent to BMW with all evidence off issues which is a link from Audi. Unable to share the footage on this forum as I am not the best with tech BMW FAULTY CAR LETTER.docx
    • This is the first item that I've ever claimed for - I don't really send too many parcels, probably 5 in the last 5 years, and only two with P2G / EVRi. I've attached two emails from P2G regarding their requiring the documents. They don't specify in the emails what documents I should be sending, although when opening the claim they were requesting that I needed photographic proof of sending - picture of the parcel with their label attached, in the EVRi ParcelShop. The second email is their closing the enquiry due to my failure to produce said document(s). I haven't yet drafted my claim letter, I wanted to be sure of this document situation first before I began action. But therein lies another problem. Not having a P2G account, I cannot be sure of the item value that I declared. The retail value at the time was £600, which is less than the £650 I paid several months earlier, so I would likely have used that, but cannot be sure. And without having an account I can't check either. But, I know that I did properly declare the item and a value that reflected its then retail price - I was concerned this declaration may have been used to single the item for theft. But now that the retail price has reduced substantially, even though the nature of compensation is to return the claimant back to their original position, without my purchase receipt, I was concerned that I may have to claim for less. And yes, I've been through your huge document store of information, in addition to MoneySavingExpert, Which, Citizens Advice, Gov.uk "make a court claim", my own law books (annoyingly I specialised in consumer law when I studied for my law degree, but I graduated 17 years ago), and so now feel that its time to either act, or drop it. P2G Enquiry (2).pdf P2G Enquiry (1).pdf
    • I have found both forms online  https://assets.publishing.service.gov.uk/media/62e14db38fa8f5649f912647/TE9.pdf https://assets.publishing.service.gov.uk/media/60c73ad0d3bf7f4bd6a9bc69/te7-dart-eng.pdf   do i just fill in both forms and send to the address on them or directly to Manchester council  forgive my ignorance    thanking you in advance 
    • This is a little strange. Please pop onto MCOL, copy the claim history and paste it here.
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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.

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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.

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      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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CL Finance Claimform - old halifax credit card **WON+Charges back fron the OC**


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hiya dont know whether this is the right bit for this but here goes ive got as summons for my halifax credit card that ill hold my hands up i didnt pay but its the amount that im not sure about my credit card had a limit of £1300 but they say i owe £2000 now i think the rest is made up of charges so what do i do do i admit the whole amount or do i admit just to the £1300 but will i have to appear in court if i do not really sure what to do so if anyone can help id be grateful xxkia

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Hi if balance is > £2000 on a card with limit of £1300 then there has to be charges and interest applied to those charges. So first off I would apply to the court for adjournment (I believe) to allow you a counter claim for refund of charges (you may need to do S.A.R - (Subject Access Request) to get total charges) I am not sure how you would apply for adjournment but there is an A to Z guide here

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

all the best dpick:)

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Hi

 

If its a County Court Claim Form you got you can go online and ask for an extension to the 14 days you normaly have to reply by.

 

you can log on to www.moneyclaim.gov.uk and enter the Claim Number on the forms top right corner with the password under Importanat Note section of the form.

 

Once you are in,follow the prompts to confirm the Acknowledgement of Service and choose the options for lodging a later defence.This wil give you extra time in which to sort things out.

 

I did mine today and it works out that you get 28 days from the Date of Service (which is calculated as 5 days from the Date of Issue on the form).

As mine was issued on the 12 september that makes the Date of Service the 17 septmber,28 days from that date gives me till 15 october in which to lodge a defence.

 

Once you have done that you should SAR Halifax to see what charges have been appilied then get back on here for further advise.

 

 

 

Hope this helps

:)

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Are CL finance the debt collector. If so it would be woth sending them a CCA request to see if they are legal allowed to collect the debt.

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Hi Kia, a CCA is the Consumer Credit Agreement you sign upon opening your account. As a DC(debt collector), CL finance, or anyone else for that matter cannot colect a debt if they don't have this*.

 

The CCA request is in the templates library, if you send that to CL finance and see what comes back- worth a shot!

AB123uk

 

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yep, do both. ;)

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AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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but the form came from the court so surely its ok and know im thick but whats a CCA xxkia

 

Kia the court only acts on what it is told I could go to court say you owe me £1000 if you did not defend I could then get default judgment against you for £1000 (this is a bit simplistic but that is the way that the system works) they only have to prove you owe the debt if you force them to by defending in court.

 

If you request CCA you are requesting a true copy of your original credit agreement that MUST conform to sections of the Consumer Credit act 1974 (CCA request) if it does not then it is possible that the agreement may not be enforceable even by a court(but for now thats down the line.

 

You need to request both CCA and full S.A.R - (Subject Access Request) including the Fees of £10 and £1 send by registered post (proof that you have posted and you can check on-line they have received them) this could be useful in court if Halifax don't comply with requests or keep trying to push through court.

 

This will be enough for now post again anything you want help with there are loads of us that are going through the same as you or have gone through the same.

 

all the best dpick:)

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hiya ive done my own letter without reading this stupid person that i am where is this letter in the templates bit cos could i be cheeky and ask if u could post me the link cos need to see if its better than my own one which it probably is thanks for all your help xxkia

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which address do i send this letter to as there are two on the summons theres the one that is taking me to court and one that says send all documents and payments to here but its there solicitors do i send this cca thing there or what :Dthink its solictior but wanna be sure before i post it ya xxkia

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right guys next step need your help again got SAR back off the halifax and its full of charges about 30 to be precise of £25 pounds ago so what do i do now please ta in advance for the help xxxkia

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Have you sent a CCA? did you request a full statement of account at the same time? (you have a right to this under a cca request)

 

Did you acknowledge the service of the court documents?

right have requested CCA and i sent a SAR to the halifax which is what i got back what is a request of account is this the SAR or is this something else confused now

:?xxxkia

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right guys panic stations cos of havin flu for past two weeks time has moved one and cos of waiting for the CCA to arrive my court date has come and gone and judgement has been awarded on there favour what do i do now the SAR came and it was full of charges ive rang court and they said i can have case set aside but it will cost 75 pounds and im not guaranteed to win am i what do i do now surely i have a case cos they never sent the info i wanted plus the form from the court had no date on it just date of issue i had no idea that the extra 4 weeks begins then not sure what to do now help :confused:xxxkia

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