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    • Hi Can you put post up in PDF redacted your full Tenancy Agreement we need to see it all not just those clause As for the Estate Agency stating your Rent and Deposit is paying for the Redecoration of the property is wrong as this was there and the Landlords responsibility to claim those cost back from the Previous Tenants from either their Rents or Tenancy Deposit therefore the Redecoration cost is the Landlords Problem not not yours nor your Rent or Tenancy Deposit (until end of Tenancy) I would be writing to the Estate Agency asking further to your telephone conversation with XXXXXXXXX  on XX/XX/2025 you require Clarification as it was stated by your employee that I would not receive any rent nor deposit back as compensation as the Landlord was using this to Redecorate the Property. Neither my Rent nor Deposit should be used to Redecorate this Property due to the Previous Tenants as this should have been claimed back from the previous Tenants via either there Rents or Tenancy Deposit. Further to this I collected the keys as agreed on the 5th July 2025 to move into this Property with no mention at all from your Estate Agency that due to all the Redecoration ongoing when I went to that Property on that date I was not able to move into the Property as Agreed in me Agreement. You have then move my moving in date to 11th July 2025 therefore my Rent payments should commence from 11th July 2025 and I require confirmation from PPM Estate Agency and if refuse this full clarification as to why and what Housing Legislation and clauses from my Agreement. DO NOT PHONE and ask this unless you can record the call Send it by email but also follow it up in writing and get free proof of posting from the Post Office
    • Heat pump makers are ready to raise output, but demand is still sluggish.View the full article
    • The deal is part of the Trump administration's push for more aggressive adoption of artificial intelligence in the government.View the full article
    • Apologies for my laziness.  I did say I would read through the WS and suggest changes about two months ago ... but got lost in the fun of going on holiday twice. I promise that sleeves will be rolled up in the morning!
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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 
      • 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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Timid DCA - What is the world coming to?


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On my credit file, there's an entry from Thames Credit which was registered back in 2003.

When I saw this, I was completely baffled so I decided to give them a call.

 

On calling them, they told me that they no longer owned the debt and gave me the number of the DCA who had apparently bought it - only for the new owners to inform me that they no longer owned it and it had been sent back to Thames!!!!!

 

So, I called Thames back and told them what had just happened so they looked into it.

One guy called me soon after and tried to explain the origin of debt, which was an account I haven't used since 1999 and therefore I told him that I didn't remember anything about the account, which was/is true.

 

However, since that day back in July, I have not heard a word from them since.

I have sent them a letter one month ago asking them for details, giving former addresses etc. since I don't have the account number/details but they still don't respond.

 

I am fairly sure they won't hold the deed of assignment or have any of the original agreements/contracts.

 

Can I, therefore, skip to the end and challenge this default with the authorities and claim that I have sent all relevant paperwork - which they would no doubt ignore - and tell the authorities that they have ignored the 12 days and one full calendar month and take things from there?

 

Is it the OFT I contact now and is default removal imminent?

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Ok, can you give a little more info....

 

You have not used the account since 1999, but the default is dated 2003 ???

 

Sorry for sounding dumb, but who are Thames Credit ? are they a loan company ?

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Thanks file wizzard, my first problem is that because they are not responding to my letters I don't have much information about my account such as account number etc.

The S.7 though, is that the follow up for S.A.R - (Subject Access Request) or is it more versatile than that?

Also, the court action mentioned in the S.7, can that be done via the moneyclaim route?

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Thanks file wizzard, my first problem is that because they are not responding to my letters I don't have much information about my account such as account number etc.

The S.7 though, is that the follow up for S.A.R - (Subject Access Request) or is it more versatile than that?

Also, the court action mentioned in the S.7, can that be done via the moneyclaim route?

The subject access request is just the common term for a request made under S.7, and this request by definition will require them to release all relevant data pertaining to you as an individual, you will therefore not need to supply any account numbers as this should be provided to you under the generic request for data you have made.

 

 

If you have already sent a S.A.R to Thames and they have exceed the 40 days compliance time, then report the matter immediately to the Information Commissioners Office, Thames are very well known to them!!!

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Ok, can you give a little more info....

 

You have not used the account since 1999, but the default is dated 2003 ???

 

Sorry for sounding dumb, but who are Thames Credit ? are they a loan company ?

 

Thames credit are a DCA, not a loan company.

23/05/06 DPA Sent to Halifax

I Love You All :D

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