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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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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
      • 161 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
        • Like

Finance Agreements


postggj
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quick comment

 

if an agreement does not contain all the prescribed terms, a creditor cannot enforce the agreement.

 

if it goes to court what are the chances of a judge making it enforceble where its the creditors cock up

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If there is no CCA and the judge agrees there is a debt, surely they cannot include interest and charges in the debt as only the basic debt, sum borrowed, would be the debt enforceable if you can understand what I am trying to say.

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check my halifax no cca thread

they have addmitted they have no cca

 

my agreements ref welcome finance do not contain the prescribed terms and have not been filled out properly, plus using wilson case

what is the likely outcome

worried court might enforce the not properly executed agreement

waiting for court date with welcome

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  • 4 weeks later...

I Was Accepted For A Capital 1 Card, I Must Say The Intrest Was 29.9%

Six Months Ago They Put It Up To 35%

The Credit Limit Was £200

My Point Being Is I Have Had This Card For 1.5 Years And The Credit Limit Has Never Gone Up.

The Only Reason I Use This Card Is The Positive Markers With The Cra As I Have Never Missed A Payment

I Have 2 Defaults Outstanding Which Is Going Through The Courts To Be Removed, Do You Think This Is The Reason For No Increase

I Am Now Very Careful With Money Now As I Have Learned My Lesson And Would Be Good 2 Know If My Credit Standing Has Improved And When The Credit Limit Increases Will The Apr Reduce

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Hi Post,

 

I got a capital one card for improving my credit rating too, they told me they would increase credit limit after 4 monthly payments, I have made 3 so not sure if they will or not yet.

Are you making the minimum payment only? Your balance never really goes down with min payments so that could be why they are not increasing your credit limit.

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its only £200, and pay in full each month

good to hear from you again

one more month and my dealings with welcome are over, mind you they are getting rather nasty

how are you getting on with them

 

pm me

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My Point Being Is I Have Had This Card For 1.5 Years And The Credit Limit Has Never Gone Up.

 

I've had mine for 3 years and not seen an increase despite being told that the account is regularly reviewed. However, the SAR shows no sign of automated or manual review. Waiting for a response to my letter now.

The advice I give in relation to benefits should be viewed as general advice and not specific to your individual claim circumstances. I cannot give specific advice on your claim as I cannot access the claim.

 

If you find the advice useful please click on my scales.

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postggj

 

I lived in Florida for 5 years and had a Capitol One card there. After 18 months they increased my APR from 12.8 to 35% for 2 LATE..not missed, payments, over a 12 month period. I cut the card up after settling the bill.

 

Simple.

 

Just~Me

Please dont think the picture is me.!!! I couldnt find one of myself so decided to use one of the wife. :):)

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HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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on wed i was involved with a very minor bump with a invalid scooter

the facts are i was revearsing out of my drive. i checked that it was clear, looking over my left shoulder started to revearse, very slowly i felt a slight bump and stopped.

when i got to the rear of my car there was an old lady on one of these scooters. thank god she was all right and no harm done. i did the right think and left my contact details and she rode off.

yesterday i got a phone call from the police asking about the accident. the copper just advised me to call my insurance company and take my insurance cirtificate to her.

what i would like to know is as there was no personel injury why did the warden at the sheltered accomodation call the police.

they are saying the steering rack is damaged.

when i drive on the road i have to have insurance, what is the legal position whith people driving these things on the highway

apparentl;y she has insurance but this is for theft as i believe

as the highway was clear when i reversed she must have been moveing at some speed or had stopped directly behind me. these things are so low down it would have been impossible to see through my rear mirror.

i am just glad no harm done but what are the legal postion involving these vehicles on the highway

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It is legal to ride them either on the road or pavement.

 

From the Highway Code:

 

Remember although it is legal to ride all vehicles on the road, it is not always safe or sensible to do so. You are responsible for your own safety and that of other road users. The normal rules of the road apply - but modified.

Observe the law

Never drive against the traffic

Give way where cars would give way. Give way to pedestrians

Obey Traffic lights and all other road signs and signals and remember the car you can see when you look behind you is almost certainly moving faster then you, It could well be upon you before you complete your manoeuvre and it may not be able to stop in time.

 

Having said the above, there seems to be conflicting advice. This is from the law center at Exeter University:

 

Class 2: Scooters in this class are to be used on the pavement only and have a maximum speed of 4mph.

 

So you will need to have a look at the 'definative' regulations. I don't have time now.

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