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    • Hello Friends. I cannot believe it but im being evicted again, i was given a section 48 notice 4 months into my tenancy. I already went through this process last year, i overstayed in my last place by a few months and left on 6th Oct 2023. I knew to check all the documentation that they sent to see if the notice is legal, it looks like it is. I took this place out of desperation as i had to vacate that last place. I hate this place so im not bothered about leaving it.    These cowboys lied to me when i viewed the house. I told the agent that i was evicted from my last house and naturally i dont want this to happen again. She said  the landlord has no plans to sell the house. What she did not tell me was that the landlord had tried to sell the house last year and failed. So it looks like they have used me to fill in the short period of time until its time to sell again. I did see it advertised online.   I told them im not in a strong enough financial position to find another property, cost of a deposit, 1 months rent and moving costs.   They have told me they are starting legal proceedings. They have sent me an invoice for £395 but i have not even received the court paperwork.    I dont like the job im in so i have decided to relocate to a better job and hopefully find cheaper rentals.   I can post a copy of the notice if needed.  
    • yes a judgement sorry I used the wrong word before
    • Hi So on Friday I received a copy on email from the claimants solicitors with an attached relief from sanctions application - on the basis that the solicitor missed the deadline for the additional directions and it was an oversight on their part and that the claimant should therefore not suffer.   They then attached a copy of the deed of assignment and a new witness statement.  They stated that they would be happy to delay the court date by 28 days but that they believed both parties were ready for the court case on 7th June. My first question, is there anything I need to do or do I just sit and wait to see what is decided?  Secondly, is it likely the judge will be aware that the claimants solicitors did exactly the same in the set aside court case (ie they filed their court bundle late and applied for relief from sanctions on the morning of the court date, and my solicitors had no choice but to agree because they threatened to strike my case out because my solicitors had only filed their court bundle by email and not post).  This is a clear pattern of how these solicitors work rather than it being a one off oversight! 
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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.

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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.
      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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Help with yes car credit

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I was looking for advice on where I stand with any claims against yes car credit , I was self employed and working in guernsey for a company yet was still sold PPI as they told me i would not get credit without it . I was also sold GAP and Warrenty insurance , My warrenty states any work done must be done at my local brance yet obviously this no longer exists. Any help with where to start would be most grateful.

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I was looking for advice on where I stand with any claims against yes car credit , I was self employed and working in guernsey for a company yet was still sold PPI as they told me i would not get credit without it . I was also sold GAP and Warrenty insurance , My warrenty states any work done must be done at my local brance yet obviously this no longer exists. Any help with where to start would be most grateful.


Hello Myofox,


Maybe the first thing to do is send a SAR, there is one kicking around the forum.


Get your info and while you are waiting, read around the different thread, they are full of information.


Once you get the info, you need to work out the amount you are reclaiming


Send you prelim letter asking for it back, giving 14 days


Send your letter before action , giving 14days


Report to fos to investigate or issue a county court claim.


There may be more issues, but these can be dealt with, if and when then occur.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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I'm trying to working out how much I can actually claim but cannot get my head round it


£450 mechanical breakdown cover

£545.00 Gap insurance cover

£1134.00 Payment protection insurance

£2129.90 total insurance premium cash price


£540.00 Less downpayment by customer

£1589.90 Shortfall by way of credit

£1171.54 Add interest

£2761.44 Balance payable

£3301.44 total amount payable

34.9 APR

48 months


I cannot sort out how much interest has been added on to my PPI Please stephen Hawkins help ME helpmm.gif

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  • 2 months later...

I am coming to the end of my contract with Direct Auto Finance, I bought a Car from yes Car Credit in 2004 and now have 3 final payments to them so the end of March is my ast Payment.

I missed 1 payment through the whole process and suffered for that with charges and endless telephone hassle.


I was not told that the PPI was optional and that i had to have the PPI to sec ure the Car.

I have been paying #150.47 a month over 42 months.


Has anybody had success claiming back the PPI,Do i wait until have made my final Payment or do i just go ahead now.

What is the Process i should start with.

Any advice would be very helpful ths money would pretty much clear my outstanding Debt.

Mnay thanks Happyalf:)

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myofox - I am currectly having a massive dspute with DAF and their not so friendly debt collecting agency DLC over an outstanding balance of unpaid PPi.

One thing I have found out from the other forum mentioned above is that the down payment - ie on your case the:

£540.00 Less downpayment by customer

should not have been a downpayment on the insurance side of the agreement and I was advised that this can help your case greatly if you are appealing against your agreement.

My name on that site is Ruth so you might find my thread on there where I am advised this by the helpers on this subject.

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