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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.  

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      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.

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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.
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      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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Automoney Loan help with arrears/BOS etc


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Hi all this could be a long story but will try the short route

 

January 2016 I take out a £1000 logbook loan with automoney! Silly I know but I wasn't really in control as I took it out during a manic episode of my Bipolar disorder.

 

Paid most months on Time but was 30% short last month and have paid 75% of this month's payment today.

They have harassed me day in day out week in week out by text and phone about it all.

Today I got a text just saying 'letter in post' which I imagine is a DN.

 

I can probably raise enough to catch up but they have annoyed me so much and have made my bipolar worse due to harassment so wanted to check a few things to see if I have anything to throw back at them.

 

 

I have emailed the high Court for details on how to check my bos is registered

but I have noticed my installments on credit agreement is different from that on bos.

 

 

Also when I took loan out I remember a long process going thru bank statements.

 

 

My question is that my money gets paid into my wife's acct as my mental health and finances don't mix

on the day they did the income and expenditure using a bank statement in my wife's name an also included her salary and tax credits.

 

 

Do I have something here or is that allowed?

Hope this All makes some sense and thanks I'm advance

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first check your bos is correctly registered

 

next as Automoney say "

logo_ccta_panel.png

We are PROUD MEMBERS of The Consumer Credit Trade Association. AutoMoney were forerunners in the creation of The CCTA Lending Code of Practice and we adhere strictly to its principles. Click here to view.

ALWAYS MAKE SURE THE LENDER IS A MEMBER.

 

so read this, and make a formal written complaint to them on all aspects they have breached in your case

 

https://www.ccta.co.uk/wp-content/uploads/2016/06/Bills-of-Sale-Code-of-Practice-consumer.pdf

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Thanks for your reply and I will read that guide (I was already thinking of going down the ccta route so your confirmation of that being an avenue is a great help) regarding the bos I emailed the high Court and they said if I don't have the bos reference number it will cost me £50 for a search, my bos copy supplied at the time of loan doesn't have a reference number on it, any ideas?

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ask automoney for a copy of the stamped bos

 

plenty in that guide to get your teeth into, read it in conjunction with the appropriate sections of the FCA Consumer Credit Sourcebook (CONC)

 

Formal written complaint then can go to FOS if rejected

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I printing the guide out as we speak as easier to read an highlight important points that way so cheers for the link. I thought about asking automoney for a copy of the bos but worried they will know why I want it and if it turns out all above board they will become even harder with collections procedure just to spite me?

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I've requested a copy of my bill of sale and it was emailed to me 5 mins after my request! It seems it was registered 5 days after I signed it so all seems well there?

 

yes that will be ok, concentrate on the Formal Complaint, but dont ignore a default notice if one arrives

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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