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    • Attaching Exhibit A as I would like some validation that this email consitutes indeed a draft defence. If not; i might need to tone down my argument. Exhibit A. Draft Defence Redacted.pdf
    • Appreciate your swift input and amendments! I've reworded some of it (and will likely reformat the page a bit before printing to make it neater) but I've included the majority of your suggestions. Let me know what you think. Would you recommend I email this to the individual who declined the compensation as well as sending it by post? Cheers Switch2 - Letter of Claim v3.pdf
    • I suggest (change in red) -   The Defendant contends that the particulars of claim are vague and generic in nature which fails to comply with CPR 16.4.  The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1.  The Defendant is the recorded keeper of [car reg no]. 2.  It is denied that the Defendant entered into a contract with the Claimant. 3.  As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance.  The Claimant was simply contracted by the landowner to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner.  Accordingly, it is denied that the Claimant has authority to bring this claim.    4.  In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5.  The Claimant is attempting double recovery by adding an additional sum not included in the original offer.  6. The Claimant is claiming an unlawful amount of interest.  The dispute between the parties concerns a disputed, unpaid invoice, issued on 6 January 2025, on which it is written "Payment to be made by 06-Feb-2025".  Yet the Claimant is claiming interest from 4 January 2025.  7. The Particulars of Claim is denied in its entirety.  It is denied that the Claimant is entitled to the relief claimed or any relief at all.
    • Okay. That sounds a lot better. Hopefully you now realise that the third party rights act only applies if you have used a parcel broker but you are trying to sue the courier company directly. So because you contracted directly with the courier, you are going to sue them directly. By using insurance or prohibited items or non-compensation lists, they are seeking to exclude or limit liability for failure to exercise reasonable skill and care – and of course this is contrary to section 57 of the consumer rights act and in fact the insurance that they pressurise you to purchase amounts to a secondary contract under section 72 of the Act because it is a prohibited secondary contract which is attempting also to limit or exclude liability for failure to exercise reasonable skill and care. The prohibited items list is an unfair term as you have already pointed out. Even more significantly here not only are they saying that it is prohibited – but they are saying this despite the fact that they were very happy to take your money in respect of insurance. These people are stupid and dishonest. But also now they will abuse the County Court system by making you jump through the hoops because it costs them scarcely anything at all to use up the County Court system because it is a publicly funded taxpayer resourced system of justice. They don't use this to obtain justice. They use this simply as a means of debt avoidance to try and frustrate their customers legitimate claims.   Okay I've made a few amendments – and also I've added a further head of damage for unfair trading which could give you a next your little bit of money and also an extra little bit of leverage. Please have a look. See if you are happy with it. If you want to take anything away. If you want to add anything. If there is anything which is incorrect – and post up the final draft here please for a last look.
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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
      • 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
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I Bought a computer on October 2012, which included the "free service" whatever happens. Evidently, it began to be charged after the first month, from my point of view without my authorization. My fault was to realize this only until February 2013, when I wrote my first complaint and asked for the cancellation of the service. Then as I had already paid for the complete month of March, the most reasonable thing to do, was to cancel the service after the cut date, but for PC world this was not reasonable, so they took my money and cancelled the service at the beginning of the month I had already paid.

My problem didn't end here, as the next month, I was charged again with April's service after having a phone confirmation of the cancellation in March. I wrote a new complaint the 20th of April, then I received a new call from PC world customer service, telling me that they will return the money and that the service was cancelled again. To my surprise, this didn't happen, and this month I was charged again with the service. I just don't know what else to do, or with whom I can complain, it seems PC world will just keep on taking my money "whatever happens"...

Edited by szuluaga
wrong title
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What ever Happens is not, as far as I know, a free product.

 

Or was it one of the offers that came with the purchase of the computer. Have you checked how long the "Free" offer was for ?

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Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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sorry about the title... it was: Worst customer service - stealing in my face. The service did come free with the computer for one month, but it was my mistake to assume I didn't have to do anything about it. The problem was not that (although they should advice at the moment of purchase that the customer needs to call to cancel the service), the problem is what follows on my post, three failed attempts to cancel the service. Lies and more lies form PC world telling me that the service was cancelled but still charging my card, etc...

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This is a common sales tactic by Currys/PC World and was actively taught/encouraged by the management back when I worked for them.

The sales assistant will "Give you the first month free", but in essence you still pay the £7.99 or so for the service, they just discount what you're purchasing by £7.99 as well. After this it rolls onto either a direct debit or credit card mandate, either of which you do need to sign for. The sales assistant should tell you that this is a monthly charge but, provided you cancel within the first month, there should be no further charges. It's also no term so you can cancel any time without worrying about a minimum term contract.

 

First of all, how are you paying for this? Direct Debit or a monthly charge to your credit card? It's usually via Direct Debit.

If Direct Debit then write to your bank and order them to halt any further payments for this service. The bank will have to do this. At the same time, invoke the Direct Debit guarantee to get the payments made after your first cancellation reversed and put back into your bank account.

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sorry about the title... it was: Worst customer service - stealing in my face. The service did come free with the computer for one month, but it was my mistake to assume I didn't have to do anything about it. The problem was not that (although they should advice at the moment of purchase that the customer needs to call to cancel the service), the problem is what follows on my post, three failed attempts to cancel the service. Lies and more lies form PC world telling me that the service was cancelled but still charging my card, etc...

 

 

Sorry, I misunderstood. So.. it was a free service for one month, which you then needed to cancel. What bothers me is that you have to opt out of this service, and have to provide card or bank details in order to obtain the "Free Service". As it is almost guaranteed that people will simply forget to cancel this before it gets to the charging stage. That seems to me, to be an Unfair Term.

 

 

So, are you still being charged ?

 

I would suggest you get in touch with your bank and advise them that any payments for this service to PC world are NOT authorised by you. I am not sure whether you will be able to get your money back from the bank if PC World are not prepared to.

 

I will try and find someone who can advise.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Warning to all:- Currys what ever happens is pushed and you have to be bombarded with the speel at point of sale, and they refuse to stop the speel in our case, (we did not take it out butI was fumming at the young toad who refused to quit the subject).

 

 

another time the salesman I noticed was selling a laptop to a foreign student ( who it seems was accompanied by an english lady), the salesman was going thru the £10+ a month speel for what ever happens,, ( now taking into account a foreign student - what use would it be?), bloody disgraceful, hope that student realises what non use that would be.

:mad2::-x:jaw::sad:
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It's not really a dirty sales tactic is it. It's same method that any company uses who provide a free months service or trial of anything. Amazon prime, Lovefilm, Netflix, Xbox live etc You privde your bank details in case you don't want to cancel and continue the monthly payments. There is always the assumption that if you don't want to continue with the service after the first month that you will cancel. I am not sure why it wasn't cancelled when you requested though, why not just cancel the DD? I find it is the easiest way for me to stop a payment I no longer want to go out.

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