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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 
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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.
      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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Co-Op Ex Northern Rock- Is this enforceable?


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Another debt collection agency has written, giving me until 2morrow.

 

In answer to a previous question (Sorry, I've read the post properely)

 

Arreas on DN £1200. Balance was £13,000. Unlawful charges and interest since account went into dispute is about £300.

 

Was going to sit tight but may write to this one saying I have accepted the unlawful termination less claim for unlawful termination and charges. Does anyone know a good letter?

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Over a year later, I am still being chased by another debt collection agent. One thing I did not put on this forum was the fact that they messed up the default notice as well.

I had a termination letter, followed by a default notice (Giving only 14 days, not 14 clear days) follwoed by another termination letter 7 days after the the default notice.

 

I had written accepting the unlawful termination of the account and I should only be liable for £102 (Not £1902) which was the amount of arrears at the time, less unlawful charges and claim for unlawfull termination.

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  • 4 months later...

Now another dca westons is righting and threatening doorstep visits. In order to try and sort this, I have pulled together the letters and paperwork regarding this. I have noticed an earlier default notice and termination letter for April 2009, with only 14 days to rectify this, not 14 days service. Termination again happened on day 14. I also found a letter with it accepting the unlawful termiantion of account that I wrote. It would appear that the second default notice was sent in August, with higher amount to pay by, and again terminated within 14 days and not given the full 14 days service. Does this mean that the first default is the valid one and that is the amount that I am only liable for?

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  • 1 year later...
  • 1 year later...

I had twp accounts with Co-Op. When I suffered a lose of income, both defaulted. They issued non compliant default notices only giving 14 days. Both arrived 3 days after the date on the letter.

 

I wrote to them, the usual credit agreement request but only got back application forms. Not all the t and c's therefore request still outstanding.

 

Copy of one:

 

http://i663.photobucket.com/albums/uu351/roygoodbeat/COPNORTHERNROCK.jpg

 

To cut a long story short, Lowells have purchased the debt. Having already won against another debt, I suddenly started receiving calls and texts from them today. This is a new number and I changed my number 3 months ago. Was suffering from depression and could not take any more threatening texts and calls.

 

I have never given out this number except to a few friends and it appears on my CV. How the hell did they get this and what gives them the authority to use it?

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Is this a mobile telephone they are contacting you on ? If so, did you register it with the provider ? If so, that is where your number has been obtained from !

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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I did not register it with Lowells, nor did I state that my number can be passed on to third parties by 02. Lowells do not have the authority to call me.

 

Roy, the question I asked was "Did you register the phone with the PROVIDER" - the company that you purchased the phone from ?

 

Did you actually state to 02 that your telephone number could not be shared ?

 

This was also only a suggestion that they might have done this.

 

There are many ways of obtaining a telephone number nowadays. It might be worth thinking to whom you have provided this new number.

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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No individual or company needs 'authority' to phone you virtually all mobile numbers are in various directories and the service provider will make listings available.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 year later...

Now 2015 and recently began with threatening letters from Lowells. Gone to their pre litigation department. Have to keep an eye on this, howver, its almost 6 years since I last aknowledged any debt or made payment. If they took me to court before and the hearing was after 6 years, is that important?

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  • 11 months later...

Occasionally I have had the odd chase letter and they traced me to my new address. Now I beleave this is statue barred as I have not made a payment/ acknowledged this for over 6 years. Is it worth at this point to write to them asking them to stop writing? Will they and can they continue?

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its well statute barred

 

 

don't reply or send anything

 

 

in England and wales they can still ask for payment

you can equally ask them to go away

 

 

but id ignore

 

 

until/unless they issue court papers

and the sb defence will counter that easily

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its well statute barred

 

 

don't reply or send anything

 

 

in England and wales they can still ask for payment

you can equally ask them to go away

 

 

but id ignore

 

 

until/unless they issue court papers

and the sb defence will counter that easily

 

Is it worth sending a statue barred letter and tell them where to go?

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what part of ignore do you not understand...

 

 

keep the sb arrow for court.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

7 threads merged for history

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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