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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 In some instances, people are having defaults rescinded and changed to late payment status making the account live again!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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      • 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.

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      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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foaf26907 vs CL Finance


foaf26907
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Help :sad:

I have outstanding debt with CL Finance via a Debenhams Card I had which I fell behind on when I was made redundant about 4 years ago.

They went to court and I agreed a repayment plan with them but unfortuantely couldn't keep up with the repayments and fell behind they have gone back to court and I have to now file an N55/N56 attachmenet of earnings. I intend to file and ask for a suspended order so that I can try and get the judgement overturned(?) on the basis that I didn't have a CCA with them (?)

I will be sending the N56 to court tomorrow but want to find out if it is at all possible to get the CCJ overturned when I didn't do anything when they first started preceedings.

I have seen a thread v CL Finance for which I am kicking myslef for not bothering to check CAG in the first place but now I am sending a S.A.R - (Subject Access Request) to CL Finance I've got 2 other debts they are managing as well. I haven't defaulted with these yet but what can be done once they have gone to court and court found in thier favour and have ordered me to pay.

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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hello Can some one please give me some advice here :-(

I have posted this is debt collection but this seems to fit in more with the general debt .......

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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Did you acknowledge the claim form or was it a judgement by default? If you have been to court and agreed a repayment there will be little you can do to overturn that decision - i am no expert but if you have already admitted it in court what grounds can you get it overturned?

 

Good luck with them :)

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Hi there,

 

I will be totally honest and say that without carrying out some research on this i cant say what youre chances are of getting the CCJ overturned.

 

normally people would challenge this type of action before it gets to teh attachment of earnings.

 

CCJs are quite difficult to have set aside and you would need to have a stronger arguement than you want it overturned because you didnt challenge it

 

 

i will have a look into this and see what i can come up with but my gut feeling is you may have left it too late

 

regards

paul

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Hello thank you for responding. the judgement was made by default I did not acknowledge the claim form. If I have to continue payments I will but I want to avoid an attachment of earnings.

I would like to know as I have 2 debts with them which I am paying. I have sent them a SAR for the debts with them. But as I am already paying them is it too late to query the other 2 debts

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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This case went to court I did not attend and then I had to agree a repaymet with them.

The other 2 were the same they have been to court and judgement was found for them so court ordered me to pay.

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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is there anyone who can offer me some help

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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hi there,

 

why didnt you defend the claim or acknowledge the claim? as i said , the court will not overturn a judgment based merely on the fact that you didnt defend the claim.you need a truly valid reason before a judge will consider overturning a judgment

 

have a look at this website,Removal of CCJ's - Main Menu

 

it may help

 

Regards

paul

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Thanbks very helpful. so is there no point querying/requesting for DCA now? even for the other two accounts ? am I just going to have to keep paying

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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I have just got my credit file online from Experian and it is only this 1 account from CL finance which is showing as defaulted.

None of the others are there. What does this mean. I know some of the debts are old ones which I have been paying since 2005 when I was made redundant but how come they are no longer showing on my credit file? Also another debt from 1st credit which I have a repayment plan can I ask them for the DCA?

Thanks

Thanks Foaf26907

Claim filed 30/01/07

2nd Request £1500 nov 06

Prelim Request £1500 16/10

Lloyds Data Protection Act 07/08

------------------------------------

Abbey Credit card settled £266 11/06

NatWest paid in full £3770 04/08/06

Hurray Halifax Paid in full £1820.00 28/05/06

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well certainly do not go chasing for answers as to why the defaults are not showing:D I am a little confused by this thread, PT is right you cannot set aside the judgment as you have agreed and paid toward it, your best bet is to bring it up to date as quickly as possible

 

Good luck

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