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    • I've an idea that what this is is clearing out stock of old tech panels as there have been signs of major breakthroughs in solar tech - inc what is effectively solar paint   reuters.com WWW.REUTERS.COM  
    • ROFL - says a minister of the government that lets its politicians promote their agendas unchallenged and well paid on the UK's version of Russia Today translated UK deputy PM launches global push to mask their election rigging "The UK is following Russia and China on a government minister and MP led process to get paid vast sums to put our message out to the plebs unchallenged, funded via right wing billionaires, AI from foreign states, and misuse of taxpayer money.   reuters.com WWW.REUTERS.COM  
    • Yes, but the process starts here... https://ico.org.uk/make-a-complaint/data-protection-complaints/what-to-expect/ This involves making a complaint to GS first before approaching ICO. However, at the time of the complaint, I beleive we'd advise the complainant to ask for some compensation and take it from there. @FTMDave?? No, I meant this forum, The Consumer Action Group, where you're posting right now.😄 (We're in the slow process of rebranding as The National Consumer Service.)
    • And yes, they state their client is EON and that they can return the debt to EON who can either register a default or take me to court. 
    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
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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.  

      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
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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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Really need advice on Log Book Loan please!


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Hi

 

So this is a long story!

 

I originally took out a lbl of 2100. Long story why but it was my only option at the time. Have paid this off for approx 6 months. Took a further loan for 500 a month ago.

 

Everything was fine but then circumstances happened and I was no longer able to make the payments. I had the v5 as I had applied for change of address and was sent a new one.

 

I did loads of research and spoke to a local company who offered to buy the car from me. Settle the loans with the lbl company and then pay me the difference so I could buy a cheaper car.

 

I requested settlement figures from motorkitty and went to my app.

 

The bloke who ran the company appeared to be in a rush and was literally locking up around me whilst sorting the paperwork. He was getting into a mess sorting out the figures and so asked me to send him the details for the first lbl for him to pay and then he would sort the 2nd.

 

He paid the first one by bank transfer and then said actually let's go check out the car. We went out and he did checks and then we went back in. He cancelled my road tax and then sent me the balance of what he had worked out I owed. I was really anxious with the e tire thing as I was in a complete mess and it didn't click until he messaged me 2 days later saying the 2nd loan wasn't paid!

 

I had bought my replacement car by this time and didn't have any finds left. He got really nasty threatening to contact my work and the police and report me for fraud as he is claiming I didn't inform him of the 2nd loan and me sending him that email backs up his story!

 

I have spoken to motorkitty. They have offered to put the 2nd loan onto my new car but want to add hundreds of pounds in charges making it nearly 1000 for a 500 loan.

 

The man from the other company is also threatening court.

 

I really don't know what to do for the best. I understand I need to pay this as the bloke who bought the car messed up, however I can't afford the £75 A month payments for 2 years that motorkitty bow want to charge me.

 

I'm really scared. Its a total mess and I don't know what to do. I'm terrified the police are going to knock on my door and I can't sleep. Can anyone offer me any advice as I'm totally stuck on what to do!

 

Additionally: I received a default notice from motorkittytoday. It says the total outstanding is 4000! I queried this with motorkitty and they said that although the first larger loan was settled it's not closed off as it is linked to the 500 loan. Does that mean they can do after me for 4000? On a 500 loan?

 

Thank you

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Hi and Welcome to CAG

 

I have amended your thread title.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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additionally, I don't know if this makes any difference, but the original loan for £2100 had the bill of sale. This is the loan that has been cleared. The 2nd loan for £500 I signed and emailed back a loan agreement but don't believe I signed another bill of sale or anything.

 

DO you think this may be why they have "linked the loans" and not closed down the other one?

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DOnt be scared. Write to them and demand a full breakdown of what they have. SAR them if needed to get everything they have.

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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How would I word asking them for this information? Thanks

 

Click the word SAR above....its already provided for you.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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