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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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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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High Court Judge says MBNA/Link Financial "tortured" a customer


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"[We] were unable to ascertain the reason for non-payment," the bank added."

 

some excuse eh...pen. paper, envelope, and stamp......get it MBNA? got it MBNA?.......good!!

 

Barclaycard .....please take note ....you will be next to be hauled over the coals.

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I can't find a thread here about this news article on the bbc today, anyone here involved in the action?

 

http://www.bbc.co.uk/news/business-12622318

 

pt2537’s company, Watsons, represented the winner. I’m not aware of any related thread on CAG, so either the BBC have contacted CAG for comment or CAG have cleverly ridden the tiger with a press release, I imagine.

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pt2537’s company, Watsons, represented the winner. I’m not aware of any related thread on CAG, so either the BBC have contacted CAG for comment or CAG have cleverly ridden the tiger with a press release, I imagine.

 

Hi DB, I think the thread about the victory was posted yesterday by Broken Arrow, but quickly dropped off Page 1.

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Hi HS. I assumed the OP was wondering if there was a thread relating to the case itself, ie. the issues involved, prior to its going to court.

 

This is about the fourth thread on the result!

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It's also in the Daily Mail:

 

http://www.dailymail.co.uk/news/article-1362603/Judge-writes-customers-20-000-credit-card-debt-hearing-hounded-repay-money.html

 

Quite how by ramping up interest charges they were trying to help is beyond me. Good result I feel, especially as the DCA was Link Financial.

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"Link Financial told the court that all Mr Harrison needed to do was to ask for a meeting so he could spell out his difficulties"

 

Why would anyone with half a brain cell even want to ask for a "meeting" with them? - all they would do is bully etc...

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The Mail Online was probably required reading for all debt collection firms today - they wouldn't fork out the 50p for the print version. No one should under estimate this ruling. Its a proper judge sitting in a proper court making a right and proper ruling after hearing from lawyers for both sides. Link could appeal the ruling but risk even more of a kicking. This ruling really could lead to a huge shake-up of the debt collecting business. Its our job now tobuild on this success and press the OFT, who do appear to be a bit more pro-active these days, to do even more to crack down on scandalous behaviour.

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Well now maybe the OFT will begin to realise just whats going on out here.The thing is,these kind of bullying tactics have been employed by these animals for years.Its not a recent thing.So its good news that the Courtsand the OFT are beginning to wake up and take a serious look as to whats going on.

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pt2537’s company, Watsons, represented the winner. I’m not aware of any related thread on CAG, so either the BBC have contacted CAG for comment or CAG have cleverly ridden the tiger with a press release, I imagine.

This case was not involved with the forum, for obvious reasons, namely Link have an account that is on here and there was no way on gods green earth i was giving them a tip off of my arguments :)

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however, now it is out,

 

I did a thread where i pasted a link to the judgment and invited people to ask specific questions where i would answer them so as to impart the knowledge i have on this case to others

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The Daily Mail link in post #11 definately says quote

 

'Mr Harrison is a member of the Consumer Action Group, whose founder Marc Gander, welcomed the decision.'

 

Do I trust the Mail? Well, not really.

 

Anyway - well done PT

 

The link to your original judgement thread has been added to the sub threads which were started when people picked up on the press coverage so hopefully many will read it in full. I read it quickly and did not pick up on the harassment issue immediately as there is a lot more in that judgement. Here is the link again

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?296622-Harrison-vs-Link-Financial-Limited-High-Court-judgment&p=3323631#post3323631

Edited by coledog

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  • 3 weeks later...

I had a credit card with MBNA in 2005 and now there is an outstanding balance of £ 2,800. They have just got in touch with me about repaying. I made an arrangement with them to pay £ 15 a month in July 2009, but it went to the bottom of the pile and very rarely got paid.

I cannot pay anything at the moment, arrears on mortgage and very little income.

They offered to come to an agreement, I assume an offer from me and they clear the balance. "nothing silly" was the only guide they gave me. What would be a reasonable offer and what sort of time frame for me to pay.

I have no money now, but in some months should be a little more solvent.

 

Please can someone help, things are piling up around me and I am getting to the end of my tether, to put it mildly.

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As I said in the original thread, bet the 'industry' will be in no hurry to quote this case in their communications!! However, it will no doubt find its way, and rightly so, into CAG template letters. Well done to all involved.

 

I've already quoted the case in my latest correspondence with Lowell. ;)

 

 

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