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    • good evening guys lookinforinfo many thanks for your reply and support. Thanks for getting the team to move the posts to a MSG thread. I wanted to avoid any confrontation but i feel helpless against these evil  morons, i should not have to fight it and hope the court sees things in my favour, its the whole process that makes me want to kill somebody, i wont but im not always in control of my actions due to my  mental health condition.   All going well i wont hear from the police but who knows, ill just have to wait and see, the morons deserved it but i did not go there to cause agro, i was held in an impossible situation. I have told doctors many times i might end up in jail or kill someone or kill myself.    FTMDave thanks for your reply i will let you guys know if i hear anything.   ------------------------- Today i called Citizens Advice and told them everything including my vulnerabilities, i have a phone appointment on the 22nd to discuss the illegal PCN. Im not sure what they can do but ill see if my vulnerabilities help in any way  
    • Sorry I was just editing because I didn't seee your first reply. My bad sorry and yeah 70% criminology and 30% counselling, just give me more options when I graduate. Victim support etc.. ho ironic lol 😆 
    • No particular relevance – but always interested to know what university students are studying. I have known lots of criminology students – but I have never heard of a degree which involves criminology plus counselling. I hope it works well for you. What about the answers to the rest of the questions?
    • Yes im going to university in September studying criminology with counselling, everything you have said is correct. I have the voice recording of me asking him for a breakdown of what the £500 would be, then he offers me the new deal of straight swap oth the £200 service cost all recorded. I extended the warranty from 3 month to 12 month on his advice. The company is called handler protect and it was an extra £100. The warranty declined as they said it is due to age and not a sudden failure apparently.  Im unsure what you mean by a letter of rejection. I have sent a formal letter requesting a replacement or a refund on the advice CAB. That was sent on the 13th June.  And yes i paid for the original diagnostic from another reputable garage.  Hope this helps and thank you 😊 
    • Dx no matter how long I live and how much more I learn in the meantime I will never be able to match your level of subtlety.🙂
  • Our picks

    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 162 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
        • Thanks
        • Like

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I have received a default notice with nature of breach: you have failed to pay the minimum monthly repayments totalling £200+. The amount is what I owe in total.

 

This has come out of the blue, it is a credit card, and along with other debts I have been paying a token amount and no interest has been applied, helped by CAB.

 

Any advice on how I should respond to this?:confused:

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Unfortunately, if you are not paying the minimum payment they ahve set, whether you are making token payments or not, then they can default you.

 

Have you considered:

 

A) Sending a SAR to see if the debt consists of any unlawful charges or mis-sold PPI applied?

 

B) A CCA request to see whether they have a legal right to collect the debt?

 

If they started playing silly buggers with me, that is what I would do.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Thanks for responding to my post tiglet.

 

I had thought as they agreed to the repayments they wouldn'd default me.

 

Feels like they are all getting default happy:eek:

 

Will be sorting out the sar and cca;)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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  • 2 months later...

Interesting move by HFC, I cca'd them, and they have sent me a copy of an application form (it says so at the top;)).

Now my credit history has been updated to an 8, credit agreement ended.

Dealing with other HSBC matters at the moment, but will be looking into this one:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Share on other sites

Yep, they obviously didn't like it when I cca'd them;)

They have agreed to my payments staying the same, even though they only have an application form.

Once things quiet down I will be sending and sar:)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Actually, once the 12+ days have passed and they haven't supplied an enforceable CCA, you can legally with-hold payment.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I have received a default notice with nature of breach: you have failed to pay the minimum monthly repayments totalling £200+. The amount is what I owe in total.

 

This has come out of the blue, it is a credit card, and along with other debts I have been paying a token amount and no interest has been applied, helped by CAB.

 

Any advice on how I should respond to this?:confused:

 

Hi remus

 

It may be worth scanning and posting the default notice here (after concealing your personal details, but leave the dates intact) as there have been several cases of HFC default notices served on CAG members (myself included) being non-compliant due to incorrect dates etc.

 

Rob

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