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    • Thanks once again dx! Your advice is greatly appreciated. I think you forgot the bit where you say "In future contact CAG first." At least I would have saved £69 but I've learned a lesson way more valuable and that's not to ignore a debt just hoping it will go away after 6 years. Here's hoping as a gesture of good will they actually remove it. Although theoretically they could also put a satisfied default on my file as well. The irony is that I only found out because I wanted another contract with EE. They told me I'd never get another EE contract with the AP markers on my file until it was paid off, so that's why I thought it would be resolved. Interestingly Lowell put up a proper fight after their account dropped off the CRA but you're correct. It wasn't written off! They ended up agreeing in writing "to no longer enforce the debt"
    • I'm further confused, in your defence you stated: 1.  The Defendant is the recorded keeper of [motor vehicle] And not only that, this started out as you putting the wrong registration number in, you PAID for the parking, you just made an error putting the wrong reg in? ... de minimis? That was the crux of the case, what did the judge say about that?
    • My emailed letters to P2G have been received and considered by David Jeremia Schnur who is P2G's 'Escalation and Complaints Adviser'. His response is attached. 19Apr24 David Schnur Linked In page.pdf 19Apr24 P2G email to me confirming my emails received.pdf
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Not prosecuting in the public interest seems to be bandied about on forums frequented by students. I don't think I've ever seen a prosecution not go ahead because of that. You would have to define why it isn't in the public interest to prosecute someone who isn't paying their way and is costing other travellers more. I can't think of a reason. HB
  • 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
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Disappointing experience dealing with Brighthouse (Shocking news i know). Ive had an account with them for years. Did the TV/Laptop etc. on it which are all paid off now.

 

Took a mobile phone with them in April, desperate for money in May and sold the phone. I was completely unaware that this was going to result in such drama - nobody had told me i couldnt do this in store but obviously my fault for not reading the fine print. Had a text from the chap i sold it to on Gumtree saying he had tried to sell it on Music Magpie last week and they "red-flagged" it as having finance on it so were holding it and would only send it back to its rightful owner (not me OR him)

 

Contacted Brighthouse, they did their standard "This is selling stolen goods and we are reporting you to the police" etc.etc. Contacted Music Magpie - No response. Phoned BH head office, then the store, then head office. I was pushed from one to the other with no resolution in sight.

 

Unbelievably the irate man who I had sold the phone to seemed to have had more luck and set something up for MM to return the phone to BH. Ive seen an email from MM to him today saying they are sending it back to BH by courier. Called head office, they said talk to the store for an update, called the store and was told they would not be speaking to me any further about my account and to speak to head office.

 

I have asked both if the phone being returned to Brighthouse meant my account could be closed and neither would give me an answer on this (bounced from one to another of course). Ive paid about 6 months out of 18 months of this off but happy to call it quits if thats possible. Has anyone had any experience of this and what the likely outcome is going to be?

 

Surely they cannot keep the phone and continute to charge me andthey state on the website that you MAY be able to return goods with no further payments to make.

 

Either way though, Brighthouse are no longer answering any of my questions - literally outright refusing and the store/HO playing me off one another, no response from MM either.

 

Any help or advice would be appreciated.

 

Cheers guys!

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Hi Steve

 

Thank you for coming over to CAG. I think this will be complicated.

 

Technically, by doing what you did, the terms of the agreement would have been breached I believe under their T&Cs but for your benefit i would just double check the paperwork.

Remember, the terms of the contract would state you dont own the device in full till the agreement is paid off.

 

So well lets see what to do now.

BH have washed their hands of you... So Music Magpie have returned the phone to BH yes?

If so, no need to contact them anymore. Your deal is with BH.

 

What happens when you visit store... Do they just tell you contact HO?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I'd stop paying

I bet youve always been spoofed unto taking their (non) compulsory insurances out from day one anyway

So they owe you were you to declaim the lot!!

 

Might screw your credit file mind

But they don't do court

So stuff'em

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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I'd stop paying

I bet youve always been spoofed unto taking their (non) compulsory insurances out from day one anyway

So they owe you were you to declaim the lot!!

 

Might screw your credit file mind

But they don't do court

So stuff'em

 

Let's say I haven't been the best with managing my credit file so not worried about that. Just gotten the hang of getting creditors to take notice of unaffordable payments and freeze interest but that's another story.

 

Cancelled the insurance a week after taking it as protect your bubble was cheaper. Be interesting if I could claim anything back from the previous 3 years of agreements that are Donte now though.

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Hi Steve

 

Thank you for coming over to CAG. I think this will be complicated.

 

Technically, by doing what you did, the terms of the agreement would have been breached I believe under their T&Cs but for your benefit i would just double check the paperwork.

Remember, the terms of the contract would state you dont own the device in full till the agreement is paid off.

 

So well lets see what to do now.

BH have washed their hands of you... So Music Magpie have returned the phone to BH yes?

If so, no need to contact them anymore. Your deal is with BH.

 

What happens when you visit store... Do they just tell you contact HO?

 

the store want no further contact with me and tell me to speak to HO. Head office are saying that the store will give me An update.

 

Really though, I'm more curious what happens when the store have my handset or if they will even acknowledge the receipt of it. It would be insane to give it back to me but if they have it they can't really continue a HP agreement because I'm not hiring anything if it's in their hands? I also wouldn't put it past BH to say they didn't get it and continue to charge me. No response from MM via email re tracking number but i am going to ring tomorrow.

 

FYI also I have agreed with the buyer privately that I will give him the cash that MM were going to but obviously can't do that until the handset is either with BH or myself and I know where I stand legally.

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Just chased again for a response to my original email.

 

Brighthouse seem to be outright ignoring me from both store and HO and spending another half hour on the phone to be told to call somewhere else who tell me to call the original person isn't an appealing idea. *sigh*

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I currently have a BH issue going through FOS regarding insurances including 5*.

So far they claim its provided at no "additional" cost, but not at no cost.

 

They claim they dont keep info more than 6 years but supplied the account info from 15 yrs ago under a SAR.

 

In the main, they talk utter bowlarks and im taking them to task.

 

Need any help reclaiming, give me a shout.

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Its not theft. Theyre just scaring you. You sold it, so all they can do is chase you for the remainder owing. They know this, but they think they dont have to follow rules and procedures.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Dear Steven,

 

Thank you for your feedback.

 

Sorry to hear you haven't received our response to your emails.

 

We have sent you an email with regards to your queries. Please check your inbox for this. Alternatively, if you haven't received our response please contact our Customer Relations Team on 0800 526 069 and we will be able to go through this with you or arrange for it to be re-sent to you.

 

Kind regards,

 

Ella

Customer Relations Representative

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Or you can supply an email and not a phone number where they will be belittled and threatened on the phone as with other brighthouse customers.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 months later...

Good Morning,

 

I hope you had a great festive period, may I please ask you to contact our customer relations department on 0800526069 so that we can look into this for you. Alternatively please email [email protected].

 

I look forward to hearing from you.

 

Kind Regards

 

Rahul

(BrightHouse Customer Relations Web Team)

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If you phone bright house, please record the call. They are well known for misleading giving misinformation and issuing threats over the phone.

Edited by Andyorch
edited

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

 

Thank you for your post, can you please contact our customer relations department on 0800526069 or alternatively email us at [email protected]. I would like the opportunity to investigate this for you, therefore to reduce the length of time it takes to locate your details; if you choose to email us please provide your local store, post code, full name and date of birth.

 

Regards

 

^Rahul (Web Relations Team)

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