Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • 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
      • 161 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
        • Like
  • Recommended Topics

gardx con by welcome


essexboy
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4801 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi

 

When i purchased both my cars from Welcome Finance i received what i was told was a free car kit consisting of products supplied by guardex.

 

I have recently found a warranty from gardx supplied by welcome from when i purchased my last car.

 

I have looked through the paperwork that i received when i purchased the car and can find no mention of gardx but have had £300 charged for extras.

 

I contacted gardx on the number provided on the warranty and enquired about thier product. I was told it cost between £300-£400 and was protection of the paintwork of the car and if any damage caused by weather, industrial fallout they would remedy the problem subject to t&c.

 

I quoted the warranty number for my last purchase and it seems that they had no records of this transaction or the previous transaction for my old car.

 

It seems Welcome are supplying this product under false pretences and charging their customer for a warranty that is non-existant.

 

This has happened on both my cars from welcome, so this is not an isolated incident.

 

I can provide evidence that this is a practice that is encouraged by Welcome as i have a document breaking down commission paid to an agent on completion of a sale clearly stating "add gardx to cash price".

 

underhand way of conning Welcome customers out of more money

 

Has any body brought cars with this "free car kit"

 

essexboy

Link to post
Share on other sites

  • Replies 73
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Funny you should mention this on our original hp agreement (was rewritten) it says Gardx on it i think at £299...i shall have another look at this thanks for the heads up!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

hi just jue

 

how did you get on with the fos, i spoke to my local branch manager that clearly stated that gardx was not included in my agreement despite showing an extra for £299.

 

i have been in correspondence with gardx themselves and having provided proof of my warranty under their headed paper are now they are saying my warranty may have been lost in their update of a new data system.

 

my warranty having been active for two years without any contact from gardx officially acknowledgeing my purchase are now saying that as i have not purchased a conserver my warranty is invalid.

 

surley Gardx has to aknowledge rceipt of my purchase as it states clearly this document has to be registered within 30 days.

 

as this is a warranty of purchase is their a cooling off period that allows me to cancel this warranty if i am aware it has been misold

 

anybody had any dealings with this lot as any help would be most appreciated.

 

essexboy

Link to post
Share on other sites

Iv had another look on my hp agreement and in tiny writing it says inc GX im assuming that is gardx...

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

beyondhope

 

i am told that the price for gardx is normally £299 -£400 and in the commission statement i provided you it clearly states include gardx within the cash price.

 

Although i think they slipped my gardx through extras in my pre-statement and this would only show up as a cashprice for goods within the credit agreement

 

if this has been done i received a single sheet of paper(blue) with gardx protection as its heading this is the warranty, no other correspondence has been recieved in my case.

 

hope this helps you

 

essexboy

Edited by essexboy
Link to post
Share on other sites

beyondhope

 

i am told that the price for gardx is normally £299 -£400 and in the commission statement i provided you it clearly states include gardx within the cash price.

 

Although i think they slipped my gardx through extras in my pre-statement and this would only show up as a cashprice for goods within the credit agreement

 

if this has been done i received a single sheet of paper(blue) with gardx protection as its heading this is the warranty, no other correspondence has been recieved in my case.

 

hope this helps you

 

essexboy

 

Thanks essexboy I have had NOTHING with Gardx on at all ever so they can look for my query on that one too me thinks :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

hi beyondhope

 

gardx will not be shown on credit agreement, as i have stated before gard x is included within the cash price as the commission sheet i provided you states gardx is included in the cash price.

 

So If you have received the car care kit you can be sure you have paid for it in some way.

 

i have spoken to gardx and the lady i spoke to agreed no agreement existed and after further correspondence with gardx they are claiming that my policy may have been lost when they transfered to a different computer system.

 

i dont know how you can prove if you have purchased a product/warranty unless you have an actual warranty then again if you do have a warranty and you did not realise you purchased this product, gardx will not honour this warranty unless you have purchased the conserver on an yearly basis.

 

So it looks as if the few cloths and small bottles of products justify the £299 cost and as this included within the cash price welcome charge interest on this

 

another con by welcome

 

has anybody actually realised they have purchased this product at the point of sale.

 

essexboy

Link to post
Share on other sites

Sorry I meant a piece of paper my original agreement does say inc GX at the cash part i meant i never received car kit or a piece of paper with any reference on or anything

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

hi beyondhope

 

try e-mailing [email protected] with your concerns, i do not hold out much hope as she is adamant that any agreement is between welcome and ourself despite the fact i have a warranty agreement.

 

at least i received the few cloths and small bottles of cleaner, surely if you have gardx within the cash price you have paid for something

 

essexboy

Link to post
Share on other sites

Thanks essexboy I will certainly be trying to find out what it is thats been added in and add it to my list of complaints :rolleyes:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

Hi, I'm still waiting for the FOS to pull their finger out and decide about my complaints (5 in total) including the GARDX, I did get a piece of paper when we took out the car, but we were not allowed to cancel the GARDX, this was already on the agreement.

 

JJ

Link to post
Share on other sites

to all

 

if you unsure and think gardx is included within your agreement it is normally next to the mak and model in your agreement and will be under "inc gx"

 

This is further evidence Welcome include this product within the cash price as it is not a seperate charge as other insurance are.

 

It is clear welcome offer a "free car kit" as a ruse to sell a product on behalf of Gardx and any warranty is subject to an annual purchase to Gardx

 

i am a complete simpleton and my belief is that as it is a warranty/insurance and has been purchased through buying the product (albeit unaware the product has been sold to you).

 

Can gardx justify the cost of a few rags and some cleaners that we could all purchase through ou local stores

 

With any product provided by welcome a cooling of period is mandatory after receipt of confirmation of purchase of the product/insurance/warranty and normally after receiipt of any policy.

 

Welcome have failed to supply a true cost of this product and furthermore have increased the cost by including this within the cash price by adding interest, therefore increasing any commission paid to Welcome agents by the company supplying the product.

 

essexboy

Edited by essexboy
unfinished
Link to post
Share on other sites

hi tonycard

 

looks like you have been sold gardx and if your agreement is over a year old and have not bought the conserver any warranty is in Gardx opinion, none and void

 

did you know if you had gardx

 

essexboy

Link to post
Share on other sites

hi tonycard

 

so was i and proberbly many others

 

nice [problem] not only charge you a fortune for some rags and cleaner, but cop the interest on it also

 

This is all in the knowledge that the warranty will in all likely become invalid as the purchaser knows nothing about this [problem].

 

essexboy

Link to post
Share on other sites

  • 2 weeks later...

HI Essexboy, I have had my reply from the fos, they agreed with Welcome on all of my complaints, but funnily enough there was no mention of my complaint about the GARDX. I am not taking their review and I am seeking further advice about this.

 

JJ

Link to post
Share on other sites

the gx is gardex is something put on the paint to protect it no part of the model etc hope that clarifies abit more

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...