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 
        • 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

Minimum full and final figure?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5908 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, I am looking for a bit of advice regarding paying off my debts and wondering if anyone could give me some advice please?

 

I am in a position to offer to pay full and final settlements to my creditors. On this site I have read to start with a 10% offer then work up.

 

I was wondering if anyone who has offered low f and f figures, what the lowest percentage is that anyone has had accepted.

 

I did contact Robinson Way a few months ago and asked via phone(I will get anything in writing though) and they said about 75% but to call back when I actually am in possession of the funds. I am presuming that they will accept 75% obviously, but was wondering what to write back and actually offer?

 

Any suggestions please, thanks in advance.

xxxxx:D

Halifax CCA letter sent 3 May

2 x CL Finance letters sent 3 May

Halifax and CL letters received 6 May

Halifax responded with valid CCA, but need to query default

CL Finance failed to provide CCA by 2 July - letter sent

Link to post
Share on other sites

  • 4 weeks later...

I did contact Robinson Way a few months ago and asked via phone(I will get anything in writing though) and they said about 75% but to call back when I actually am in possession of the funds. I am presuming that they will accept 75% obviously, but was wondering what to write back and actually offer?

 

75% ?!! :eek: Yes, I bet they would... What's this debt for ? Do not even think about paying them 75% without sending off a CCA request.... they may not be legally entitled to receive any of it.

 

Any suggestions please, thanks in advance.

xxxxx:D

 

:)

Link to post
Share on other sites

  • 3 weeks later...

Hi

 

read this info with interest, what's a CCA, been in contact with CCCS and they mentioned that creditors will accept a full and final settlement by negotiation, however they I'm sure they mentioned a reduction of 25%. If 75% is possible this would really help move situation along and bring freedom from debt much closer than the 2 years I looking at right now!

Link to post
Share on other sites

A CCA request is an official request under the consumer credit act for them to provide a copy of your original credit agreement (see the stencils on this forum). Mostly they will either be unable to provide anything, or will provide an agreement that doesn't conform to the legislation. This particularly applies if the agreement is over 2-3 yrs old.

good luck

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

Link to post
Share on other sites

Simular situation here PO. In negotiations with a number of DCA/OC who have either failed to provide any agreement, or have provided an invalid agreement. One recently made me an offer around the 25% mark, still mulling it over-they have no agreement at all. Have put in all offers default removal and file marked as full and final with zero balance as conditions so we will see what happens.

ali x

Btw I am no expert just give notes based on what I have read on here and other forums/sites, plus my own experiences and investigations.

 

All ccj's now dropped off file, 2 yrs to go to clear file.

All old debts either settled or made unenforcable.

 

RBS MPP-Full offer at 8 wks from first complaint

RBS Overdraft loanguard-full offer at 8 wks from complaint

Citicard ppi-with FOS finally paid 8 months after offer through FOS!

Capital one x2- with FOS

Monument ppi-with FOS

aqua x2 ppi-partialled settled still pushing for the rest

Black horse ppi-offers made and accepted except for one early loan they say no info held-still pushing for payment

Link to post
Share on other sites

Just out of interest... one creditor offered me a 75% settlement yesterday, but since we both know there's no Agreement, it's a no deal.

 

;)

Hi PO!

I haven't been around lately..

That sounds great! My total debt is around 30 Gs..but between 7 creditors, whats my chances of paying all off with £3000 if i could stump up the money? Do i have to get everyone of the creditors to agree or could i combine the settlement somehow? I haven't cca'd anyone yet, as i'm still baffled by what direction to take..the help has been above excellent here, but I've been advised if i don't have assets then sit back and why worry about anything.:confused:

I better get back to my own thread. :D

bye!

Link to post
Share on other sites

Hiya Jaws....

 

Just checked your thread and you have replies from OTB and Tom, so I won't muddy the waters with mine for now.... You need to decide which way you want to go on this before anyone can really help you properly.

 

:)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...