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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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    • 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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Can I get a mortgage with a bad credit rating?


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A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own Debt Management Plan for 2 and a half years now, without missing payments.

My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.

Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?

Many Thanks

Joanne

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A few years ago I landed in some financial difficulty which resulted in my credit rating going from Good to Very Poor. I have been on my own Debt Management Plan for 2 and a half years now, without missing payments.

 

My problem is that I am hoping to buy a house now with my boyfriend, however I think my credit rating will stop us from doing this! We can certainly afford the mortgage and oustanding debts with our joint income, but I'm worried they will look at my credit rating only rather than the full story.

 

Does anyone know of a good reputable mortgage lender who will look at the facts rather than make a judgment based on credit score only?

 

Many Thanks

 

Joanne

 

the answer is yes, although generally not with the main high street lenders. You will generally end up paying a slightly higher interest rate as i have had to do.

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I have over £70k in defaults and have just had two mortgage offers at near prime levels from brokers advertising in Exchange and Tart. I am not in a debt management plan and am not paying anyone anything.

Hi Paying .....

 

Can I ask what type of tie in period is on the mortgage offers i.e. if you repay within the first year what level fo penalty do you have to pay ?

 

Cheers

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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Can anyone send me the details or maybe post them. My gf and i have just been offered a lot less than we can afford due to our "low" credit score.

 

Thanks

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Hi there, hope you are well. I have just signed up today and was looking at your post about getting mortgage whislt on a Debt Management Plan which is the case for me. My Boyf is hassling me to get on the mortgage with him but I keep avoiding because I am unsure what to do, boyf does nt know situation.

 

I would be most grateful if you could help e. Many thanks for your time :confused:

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I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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