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    • 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
      • 160 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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Hello I was wondering if anyone could possibly weigh in and give advice

 

First of all I take any and all responsibility for the stupidity of my youth and lending patterns it has taken a long time to admit that to myself!

 

Back in 2012 I opened a brighthouse account, I was 20 and a new parent (my son was about 8months old) and what I took out was a washing machine and cooker as I was broke as a joke in a new city with no family or friends.

 

I found as I kept going into store to pay they kept pushing items on me,

now I was heavily medicated at this time due to mental health problems on top of post natal depression,

yet they kept doing it with suff they knew I couldn’t afford but would love to have,

 

games consoles, a laptop, a big tv, phones it got to the point that they FULLY KNOWING I WAS ON BENEFITS, started accepting my boyfriends wage slips as MY proof of income, his name was not affiliated to the account nor mine to his wage slips, but they did it anyway (I know I have partial blame in tbh but I feel they had a duty of care to see it was wrong and that it could land me in debt)

 

by the time it got to 2014 I started paying via bank card and the payments had shot up to £94 a week, between Jan and April of 2012 I gave them over £1200!

 

I have put in a complaint to them for the second time after the ‘lost’ the first complaint I made a month ago!

 

I just feel like I needed to post my situation somewhere and ask if anyone else thinks they were in the wrong?

 

Thanks guys :)

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https://ico.org.uk/for-organisations/guide-to-data-protection/principle-6-rights/subject-access-request/

 

40 Days & 10 Quid later... You have everything from their system about you as an individual etc.

We have a template for a DSAR request in our library :)

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

Send it and youll get an idea of just how much you have spent with them etc

Edited by Andyorch
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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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sounds like an irresponsible lending complaint is the way to go here

we've just had a good 'win' against them with more to follow

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?484636-BrightHouse-cheque-received-today-after-complaint-advice-needed-please(1-Viewing)-nbsp&p=5095186#post5095186

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’m going to keep my eye on that post , thank you and a great outcome so far!

 

It’s just such a scary process because companies can lie!

 

I sent them a complaint by email on the 10th of January I believe and I got an automatic response, but nothing after that,

 

then I called them on Monday as it had been so long and they couldn’t find the complaint,

 

got passed around to 4 different people and spent over 2 hours on the phone and ended up just having to make a new complaint over the phone so I KNEW they had it, but now the past month has been wasted waiting for nothing :(

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always best to WRITE to the CEO

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 have Just come across his email address (thank you for mentioning it I don’t know why I didn’t think of it)

 

I have sent him and email fully explaining the situation and the trouble that I have had with customer service/complaints hopefully I’ll get a responce! I’ll post updates here just incase anyone cares to know what happens!

 

I have also just won back £706 from sunny loans, and am awaiting a response from wonga and quickquid

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I have a quick question for anyone able to help,

 

I’m getting slightly worried about what the outcome might be despite the fact they were in the wrong,

 

what I honestly want is my money back,

 

however I never returned the items and never fully paid them (don’t have any of them anymore anyway)

 

am I going to be given a lot of trouble or are there other cases where people in my situation have been successful?

 

What am I likely to be offered as a resolution?

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Its up to Brighthouse... Its then up to you to accept.

But then again what you might get... youd know if youd read our guide here at CAG :)

 

It applies to you because of irresponsible lending :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69475

 

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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