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    • now owned by Kensington  prime credit 5 was a luvy co. along with alpha credit 5 their uk portal was thru prime credit,  loans were administered on their behalf by Acenden, Acenden are Part of the Kensington Group. ultimately these were mostly all sold to Coast  have a look at post 8 here Trying to find contact details for prime credit 5 S.a.r.l - Welcome Finance - National Consumer Service  
    • Really? I don't think we would have known.
    • matters no they know it early as it twill be a bland generic defence nothing specific. Lowell claimform - old Talk Talk landline/broadband debt - Financial Legal Issues - National Consumer Service    
    • I was due to settle on my new house last Friday , with deposit already paid and mortgage in place. However at the last minute the sellers solicitor has confirmed there was a 2nd mortgage taken out on the property by the previous owner. I therefore can't buy the property until they know the debt was paid. the company was Welcome Finance and the debt was sold to Prime Credit 5 Sarl. No one can find contact information for them to confirm that there is no outstanding amount due. Both my and the sellers solicitors are looking into this but coming up blank so far. can anyone help as we are all ready to move and this has completely set us back. All help and advice very much appreciated.  
    • I wonder how many republican mega farms etc are being raided? (also note the 'slavery option)   US farm workers on Ice raids in the fields: ‘hunted like animals’ | US immigration | The Guardian WWW.THEGUARDIAN.COM In the latest installment of a series on undocumented workers, farm workers explain how fear has ripped through their communities after raids  
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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.  

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      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.

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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.
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      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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Hi All,

 

I was wondering if anyone had any experience with this particular situation a close friend of mine is in with a frightful Trunchbull of a LA.

 

She found a flat that she really liked, and was told that if she wanted to secure it, she would need to leave a holding deposit of £200 that would part pay for the actual deposit when she took up the tenancy.

 

It was made clear in writing that if she pulled out of taking up the letting she would lose this holding deposit and if the landlord pulled out she would get it back, no problem she thought I definitely want this flat I'm not going to pull out. So she paid a holding deposit.

 

At the next meeting the LA then produced the agreement that they insisted could not be changed (I became involved at this point to help her) when we tried to discuss the actual issues my friend was not comfortable with she was questioned as to if she actually wanted the let and if she wanted to pull out. and again refused to give any specific answer to our questions, continuing to question if she had the money to take up the agreement and asking if we wanted to pull out in a very forceful rude manner, the LA continuing to refuse to answer our questions or considering a modification of terms we were unhappy with.

 

Our main concern was that as the contract states "at the conclusion of the tenancy the tenant will be responsible for having the property professionally cleaned including carpets and curtains. Such cleaning to be carried out by a professional company appointed by the Landlord or the Landlord's Agent, a receipt will be provided confirming this cleaning has been carried out."

 

Eventually the LA did (claim to) contact the LL who refused to modify the above clause to along the lines of "leaving the property in a professional cleaned state" (words to that effect)

 

Guide costs of cleaning from their contractors previous occupancies were refused to be provided by LA

 

Pressured into not wanting to lose her holding deposit she accepted the terms as it was very close to the end of her other let.

 

She is about to come to the end of her tenancy, and is concerned about the condition above might resulting in some large bill she has to pay that she feels she has little control over.

 

Assume she will leave the property in a very clean state anyway (as she has always done with other lets) Can she defer this clause in the agreement which I feel she was initally misguided in to putting up collateral against which as a result forced her into accepting the contract.

 

This woman has left me so vexed I'm inclined to report her and her companies behaviour to any governing body that will listen.

 

It's a real shame things went this way, can anyone offer any advice as to how to approach the potential enforcement of what I feel are unfair terms?

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Have a look at this that suggests that the contract term would be regarded as being unfair.

 

http://www.oft.gov.uk/shared_oft/reports/unfair_contract_terms/oft356.pdf

 

I suggest writing a letter stating that you believe the term is unfair in accordance with OFT guidelines. Further that this term was not disclosed until a non-refundable fee had been paid which means that it was not a fair negotiation.

 

You should indicate that you will contest the claim either in court or through the deposit protection scheme arbitration system.

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that would taken as an unfair term and condition without any cost attached to it, so you cant decide if it was fair or not.

Therefore if they wish to deduct high costs for this from the deposit you can raise a dispute with the deposit scheme or take LL to court.

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