Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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

Fighting my way out of debt - is a credit report from Experian any good?


SpiceBoy!
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5971 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi SpiceBoy!

 

Nice to see you.

 

Just one small thing. It's always best never to post exact details of your situation here - if this were me, I'd post my debts as "about £xxxx" - just in case.

  • Haha 1

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

Link to post
Share on other sites

Wow, thanks for the replys :D

 

 

Here is the breakdown...

 

Tesco Insurance - £xxx - No communication from Tesco or any DCA regarding this debt in over 2 years but last communication was from Buchanan Clark + Wells in 2004

 

 

NatWest - £xxx - No communication from Natwest or any DCA since 2004 - Last communication was from Red Knight Services

 

 

KwikFit - £xxx - Went to Nottingham county court and a CCJ was issued but no further actions or communication after I received the letter saying I had a CCJ

 

 

HFC - £xxxx - Was handed over to ScotCall DCA, then Keppe & Partners DCA and is now currently being delt with by Buchanan Clark + Wells

 

 

3 mobile - £xx - not a single letter from 3 or any DCA at all regarding this debt but it has shown up on my report from Experian

 

Tesco Insurance - £xx - I intend to pay this as it stands as this is my own fault and have no problems paying the full amount.

 

I think that about covers it all...

 

With the ones whom havent chased me in a few years shall I just leave them as they are and see if they get in touch then act on them?

 

It's up to you want you so about the ones who have not chased you. After 6 years a debt becomes statute barred - so it still exists, and can affect your credit rating, but it is not enforceable through the courts. So you may want to go the CCA/S.A.R - (Subject Access Request) route and clear all and only what you owe while you have the funds.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

Link to post
Share on other sites

Nice one, SpiceBoy!

 

;)

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

Link to post
Share on other sites

It seems like a lot now, spice - but you'll be amazed how quickly it becomes second nature.

 

In fact, I do have a bed. However, as I'm staing at my wee sister's over Xmas and we have a full house, I'm sleeping in the caravan in the garden with my 11 year old niece.

 

:(

 

And I'm never in bed at this time of night anyway.

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

Link to post
Share on other sites

Glad to hear it spice.

 

Here's some links to help:

 

CCA is here (letter N)

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

SAR is here (will need modifying to your situation, but has the jist):

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

It's a good idea, when you get underway, to post a new thread for each case you are fighting - so that we can see how you are getting on and it doesn't get muddled.

 

Look forward to talking to you lots.

 

:D

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

Link to post
Share on other sites

Basically, an SAR provides you with a total record of everything the creditor has on file about you. So, if you have had charges added, it tells you about these. And often this is where you can contest the debt - as OFT the (Office of Fair Trading) Guidelines says these must be reasonable (to summarise).

 

If a debt has been assigned to a DCA (Debt Collection Agency), as some of yours have, there are often high charges that you can query. In cases like this, once you know the situation, you can make a full and final offer based on the original debt and ensure that no adverse marks get put on your credit file as part of this offer.

 

In addition, if a DCA is chasing you for a debt, it is worth checking that they have the authority to collect, which is where the CCA request comes in. If they do not, the debt is not enforceable by them. I'd usually do this before an SAR, but this is up to you. The main thing is that it could result in the debt returning to the OC (Original Creditor) and you may have more chance of negotiating with them for a full and final settlement based on the original debt.

 

It's a game. It's not debt avoidance, it's debt management. Just ensuring that debtors pay what is fair.

 

:)

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...