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    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
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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.

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      Many thanks 
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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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Help with Wentworth Direct Finance


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I am also one of the (Edit) who applied for a loan on-line. The next day WDF contacted me by phone to say I was guaranteed a loan and the fee was 69.00. I already had loan offered from another company but it needed a guarantor. Parents too old, brother does not own his home and partner does not earn enough. How do you ask a work colleague how much they earn, have they got a mortgage, have they got a good credit history??. On speaking to WDF told them I would only pay 69.00 if they guaranteed the loan and that it would not need a guarantor. They catergorically told me it was and no gaurantor would be needed. On sending back the signed form I even enclosed a letter saying if this was not the case then not to take any fee. The 69.00 was taken from my bank account. Within a couple of days I too received a letter from Ralph Marlon requesting wage slips and utility bills. I actually thought it was ok and they weren't a con after all. How wrong I was. I received a text from Ralph Marlon saying my loan was ready and I just needed a guarantor. I knew then I had been basically defrauded out of my 69.00. WDF knew all along what was going to happen. Ralph Marlon then sent me an application form with an offer of a loan from TFS LOANS LTD. I wanted a loan for 1500.00 but on the letter this was the information sent:

Example: borrow 3500.00 pay 60 monthly repayments of 164.82. Credit 3995.00 including lender fee of 995.00 (that would be over 1000.00 paid before I even got the loan). Total amount payable 9958.20.

Surely this cannot be legal can it?. Certainly not ethical.

I have since written to both WDF and Ralph Marlon. Heard nothing from WDF....shock...and received a text from Ralph Marlon telling me my loan was ready to be paid have I found a guarantor yet.

Not sure if anything can be done, is it worth going to a Financial Ombudsman or any other establishment that governs these people?

I would say if you have a good credit history then you would go to a bank or a reputable company, if not, like me, then if you can get a guarantor and you have no qualms about asking someone then go direct to them. In my opinion WDF take the money pass you on and wash their hands of you and crack open a bottle of bubbly to toast their success of another idiot and answered the phone to them. And no I don't work for another loan company I'm an honest hard working bloke who's been had!!

Edited by maroondevo52
Removed unsuitable word
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Hello and Welcome,

 

I've started a new thread for you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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You may have read by now my thread about Wentworth. Today RBS refunded my £69 pending enquiries.

I also contacted Wentworth and explained what was going to happen. They told me EVERY phone call is recorded.

Check which date you spoke to the call centre and then contact JENNY SHEPHERD at Wentworth who looks at the complaints. She will check your calls and be able to establish the truth.

Surprisingly, the call centre telephonist didn't sound surprised or shocked at my story, which I believe says alot!

I'm lucky I got my money from the bank next day, but this Ralph Marlon lot did try to tout me...their app form is in the bin. I think Wentwoth runs on how many 69 quids they can get in a day as brokers. They are not actually interested in lending money.

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  • 1 month later...
I am also one of the (Edit) who applied for a loan on-line. The next day WDF contacted me by phone to say I was guaranteed a loan and the fee was 69.00. I already had loan offered from another company but it needed a guarantor. Parents too old, brother does not own his home and partner does not earn enough. How do you ask a work colleague how much they earn, have they got a mortgage, have they got a good credit history??. On speaking to WDF told them I would only pay 69.00 if they guaranteed the loan and that it would not need a guarantor. They catergorically told me it was and no gaurantor would be needed. On sending back the signed form I even enclosed a letter saying if this was not the case then not to take any fee. The 69.00 was taken from my bank account. Within a couple of days I too received a letter from Ralph Marlon requesting wage slips and utility bills. I actually thought it was ok and they weren't a con after all. How wrong I was. I received a text from Ralph Marlon saying my loan was ready and I just needed a guarantor. I knew then I had been basically defrauded out of my 69.00. WDF knew all along what was going to happen. Ralph Marlon then sent me an application form with an offer of a loan from TFS LOANS LTD. I wanted a loan for 1500.00 but on the letter this was the information sent:

 

Example: borrow 3500.00 pay 60 monthly repayments of 164.82. Credit 3995.00 including lender fee of 995.00 (that would be over 1000.00 paid before I even got the loan). Total amount payable 9958.20.

 

Surely this cannot be legal can it?. Certainly not ethical.

 

I have since written to both WDF and Ralph Marlon. Heard nothing from WDF....shock...and received a text from Ralph Marlon telling me my loan was ready to be paid have I found a guarantor yet.

 

Not sure if anything can be done, is it worth going to a Financial Ombudsman or any other establishment that governs these people?

 

I would say if you have a good credit history then you would go to a bank or a reputable company, if not, like me, then if you can get a guarantor and you have no qualms about asking someone then go direct to them. In my opinion WDF take the money pass you on and wash their hands of you and crack open a bottle of bubbly to toast their success of another idiot and answered the phone to them. And no I don't work for another loan company I'm an honest hard working bloke who's been had!!

 

hi there i too was one of the unfortunate ones to be scammed by wentworth & ralph loans,sent numerous recorded letters but with no reply..so someone advised me to contact the financial ombudsman & hey guess what i received a call from wentworth saying they were transferring £69 back into my account..something should be done to bring these [problematic] down.good luck
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  • 4 weeks later...

My Son has also been scammed by these people. He had never heard of them until a letter from Ralph Marlon arrived, followed by one from Wentworth saying that the brokers fee had been paid. Checking his account, the fee had been taken from his bank account, even though he had never heard of the company. The bank said they could do nothing as it had been a card transaction. We are trying to get a refund from Wentworth who are now asking for proof of I.D., i.e. photo licence, utility bill and also a current payslip to prove he is employed. Why on earth they would ask for this for a refund of a loan he never even requested beggars belief! Have written to them again today threatening legal proceedings, Financial Ombudsman, etc. Certainly won't send any of these documents - they seem to have enough information without giving them further personal information. As soon as people like these get this sort of information, they can say that a loan has been granted and where will that then lead?

PLEASE DON'T GO ANYWHERE NEAR THESE PEOPLE.

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  • 4 weeks later...

I made an application via Wentworth and it was then passed to a company called Ralph Marlon Loans who did offer me a loan with extortionate interestlink3.gif rates which I declined. I called consumer direct who gave me some direction on what to write in a letter, see below:

 

 

 

DO NOT IGNORE THIS NOTICE

Notice to Principal isNotice to Agent; Notice to Agent is Notice to Principal.

 

 

 

 

Loan Ref Number:

 

To whom it may concern.

 

I am writing to request afull refund of the broker fee of £139.90 that was taken from my debit card twice.It is my belief that during the original contact over the phone with Wentworth Direct Finance that there was misrepresentation when it came to loan application process, lending and approval criteria.

 

At the time I was toldthat I had met the lending criteria and that I had been approved for a loan when in fact this was not the case. Misrepresentation also took place in theliterature that you sent out in relation to the illustration of loan amount, amount repayable and the APR which was quoted at 22%, this again is not a true reflection.

 

It is my belief that onthe basis of the information given I parted with the £69.95 broker’s fee under false pretences, you then took the fee again on the 2nd March 2012 without authorisation. As such youare given 7 days to refund the fee in full.

 

In DEMANDING an upfront payment fortheir brokerage services Wentworth Finance act unlawfully: the licence issued to them by the Office of Fair Trading limits brokers to a nominal £5 sum foradministrative costs.I have reported this practice toconsumer Direct and will be raising a complaint with the FSA, Office of FairTrading and Trading Standards.

This was sent recorded delivery Saturday 3rd March.

I received a text this morning which reads: Your refund has been completed. Funds should reach your account within 5 working days.

Good luck.

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  • 3 weeks later...

Good morning, I've had the 69.95 broker fee taken from my account but havnt had a loan offer or any response from these people.This was two months ago now.Is it to late to ask for a refund? If not does anyone have an address or email address where I can ask for a refund?

Many thanks.

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Alternative answer, did you ever get a reply from Wentworth regarding a refund ?

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Hello I am new here so hope this looks ok.

 

This evening I received an email from Wentworth offering me a good deal on an unsecured personal loan. Being a tenant and also self employed is difficult for getting good rates and Wentworth appeared to offer a better deal than my current loan deal. I filled in a simple form on-line and got a reply back stating that my application was in process and should hear something in a few days.

 

I put the kettle on and before I even switched it on I received a phone call from an unknown Number. It was Wentworth.

 

I feel I must mention this as many posts on this site are from people who paid the broker fee then realised there error. Well it looks like they now have a new way of getting your details.

 

Firstly they ask for you name,address,date of birth . Then ask you to verify a UK bank account and ask for your 16 digit card number which after having they then tell you the name of your bank. Then comes the next part. They ask if you have read the terms and conditions and how you are under no obligation to take any loan they offer. They then ask for further verification and ask for your card exp date and 3 digit security number off the back. Something they don't need for verification only to process a payment. I declined this part as I felt they had no need for these details to which I was informed they could not process the application and still explained they only needed these details to verify that I lived in the UK.

 

Very bad practice from this Company I think.

 

Rick

 

Looks like they are trying to get card details by splitting the number collection inbetween conversations.

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Hello I am new here so hope this looks ok.

 

This evening I received an email from Wentworth offering me a good deal on an unsecured personal loan. Being a tenant and also self employed is difficult for getting good rates and Wentworth appeared to offer a better deal than my current loan deal. I filled in a simple form on-line and got a reply back stating that my application was in process and should hear something in a few days.

 

I put the kettle on and before I even switched it on I received a phone call from an unknown Number. It was Wentworth.

 

I feel I must mention this as many posts on this site are from people who paid the broker fee then realised there error. Well it looks like they now have a new way of getting your details.

 

Firstly they ask for you name,address,date of birth . Then ask you to verify a UK bank account and ask for your 16 digit card number which after having they then tell you the name of your bank. Then comes the next part. They ask if you have read the terms and conditions and how you are under no obligation to take any loan they offer. They then ask for further verification and ask for your card exp date and 3 digit security number off the back. Something they don't need for verification only to process a payment. I declined this part as I felt they had no need for these details to which I was informed they could not process the application and still explained they only needed these details to verify that I lived in the UK.

 

Very bad practice from this Company I think.

 

Rick

 

Looks like they are trying to get card details by splitting the number collection inbetween conversations.:x

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  • 3 weeks later...

these took a payment of £69.95 one week then under a different name took 49.99 two weeks later from a friends bank account have threatened them with financial ombudsman and no refund as of yet!!

Cabot Financial they came they didn't stay and they left rather quickly

 

Lloyds Tsb - bye bye

 

Lowell Financial - bye bye

 

:whoo::whoo::lol::lol:

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  • 3 weeks later...
  • 1 month later...

Sorry for being sceptical but as you are the first person I have ever come across who says they have received a loan from this [problem] company perhaps you would provide evidence of the process you had to go through to get this money and which company you received the funds from.

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