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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

IVA`s....whats your opinion?

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pebs

pebs

Posted
Posted

Its not for me, luckily I only have 1 default.

But a friend of mine is in debt about £40,000 and now is on a low income so has not been paying debtors.

I have seen advertisments for IVA so was going to suggest it, but I dont really know much about it so would like some opinions please.

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conar686

conar686

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Also the big banks are now not automatically agreeing to be bound to accept any proposed IVA.

 

For an IVA to work all or a majority of the creditors have to accept. Its worth a try but go for a free on not one you pay for.

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

 

There is no freemasonry like the freemasonry of Golf

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pebs

pebs

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Some info here

 

Generally they involve living on a very tight budget for 5 years. Has she got assets to protect?

 

 

She does have a mortgage and the mortgage company have agreed lower payments till they are in a better position.

The rest of the debts are personal loans and secured loans, credit cards etc

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gizmo111

gizmo111

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I`ve just rang her, she has no equity in the house as they borrowed it, hence the debt of secured loans!

 

Well prhaps bankruptcy may be an option then, if they had not other debts could they realistically afford the mortgage and secured loan.

Would renting in their area be cheaper?

Consumer Health Forums - where you can discuss any health or relationship matters.

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conar686

conar686

Posted
Posted

I also think she should also give this lot a whirl.

 

National Debtline

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

 

There is no freemasonry like the freemasonry of Golf

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gizmo111

gizmo111

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It is scary and a lot of people do bury their head in the sand. As she has no equity, there would be nothing for the OR to take so it is unlikely she would lose the house. But she does need to be sure that she can afford the house, as in a years time if she ends up repossesed she ould end up with a shortfall, which will be another debt she can't pay and she doesn't want to be in the position of facing BR a 2nd time.

In the link I gave you above - there is the links to debt charities including National Debtline.

A realistic budget is her first step to sorting this out.

Consumer Health Forums - where you can discuss any health or relationship matters.

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gizmo111

gizmo111

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Sorry can I just ask....if you declare yourself bankrupt can the secured loans be written off or just the personal loans?

 

The secured loan and the mortgage remain, and provided she can pay them nothing will happen to them. The unsecured debt gets written off.

Consumer Health Forums - where you can discuss any health or relationship matters.

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conar686

conar686

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Get her to phone the national debtline & also local consumer counciling service.

I'm not an expert so check everything I tell you, however click me scales if I've been useful.

Light travels faster than sound. This is why some people appear bright until you hear them speak.

 

There is no freemasonry like the freemasonry of Golf

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gizmo111

gizmo111

Posted
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£27,500 in an unsecured loan. All other debts are a few hundred here and there

 

In which case bankruptcy for £12,500 is prob not the best idea.

Can she remortgage to a better rate and include the secured loan in that?

Consumer Health Forums - where you can discuss any health or relationship matters.

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pebs

pebs

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She has just rang me with the wording from the most recent letter for the unsecured to see if you can offer advice on a response to them.

It has not yet been passed on to a DCA.

Can you take a look and maybe advise on her options, Thanks

 

Unsecured balance - £27,558

 

Further to our default notice of 3rd Oct and your failure to pay outstanding arrears of £498 we are now terminating your loan agreement.

 

We therefore demand you pay the sum of £27,558 plus interest from the date of this notice until full payment has been recieved at a rate of £5.74 per day.

 

Failure to pay within the next 14 days may result in instructing our solicitors to recover the amount through the county court.

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pebs

pebs

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In which case bankruptcy for £12,500 is prob not the best idea.

Can she remortgage to a better rate and include the secured loan in that?

 

Apparently not because of negative equity.

 

I am so glad I am not a home owner, it sounds all too complicated to me!!

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