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    • If you are buying a used car – you need to read this survival guide.
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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.

      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 
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    • 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
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Egg credit card agreement terminated


toymaker1
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TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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It really is incredible how uncoordinated Egg are.

We have just walked them into providing information bit-by-bit for our case. It has worked like a dream.

 

They clearly are not taking legal advice before answering either.

We asked the exact same question via 3 routes. One answer said it was with their legal department, another kept avoiding the question, the other sent the requested information out within 3 days.

 

Keep the messages disconnected, and what might seem an innocent query with no history, provides the perfect bit of information that we require.

 

The nice chap that replied has a rather unusual name, quite easy to look up his Facebook profile. Almost felt like adding him as a friend he was so helpful!

 

This is turning out to be good fun.

 

:D

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It is being manifested in a rather unfortunate way at the moment; i.e. they are trying to claw in as much as possible with minimum payment increases, and interest increases. They are also passing on to debt collection very, very quickly.

 

This is a sign of desperation.

I'd be interested to hear if anyone knows of anyone who has been approved for a new Egg card in recent times?

 

It does also mean that they will just fob you off for as long as they can.

So, everyone taking the CCA route - stick very firmly to the timescales very well-advised throughout this site, and take quick (but controlled) action.

 

Unless is has been tested previously, I think the termination route that we are taking may take some time - although we will certainly win with this. Mistermind - I am prepared to eat my words on this :-)

 

CCA seems to have previous form that is encouraging.

 

We have just bowled Egg a googlie today, interesting to see how they handle it.

 

 

THIS IS NOT LEGAL, OR QUALIFIED ADVICE REMEMBER!!!

Edited by BigEddieChek
Oh, I wish I could say more...!
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It is being manifested in a rather unfortunate way at the moment; i.e. they are trying to claw in as much as possible with minimum payment increases, and interest increases. They are also passing on to debt collection very, very quickly.

 

This is a sign of desperation.

I'd be interested to hear if anyone knows of anyone who has been approved for a new Egg card in recent times?

 

It does also mean that they will just fob you off for as long as they can.

So, everyone taking the CCA route - stick very firmly to the timescales very well-advised throughout this site, and take quick (but controlled) action.

 

Unless is has been tested previously, I think the termination route that we are taking may take some time - although we will certainly win with this. Mistermind - I am prepared to eat my words on this :-)

 

CCA seems to have previous form that is encouraging.

 

We have just bowled Egg a googlie today, interesting to see how they handle it.

 

 

THIS IS NOT LEGAL, OR QUALIFIED ADVICE REMEMBER!!!

 

Good luck eddie !

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It is being manifested in a rather unfortunate way at the moment; i.e. they are trying to claw in as much as possible with minimum payment increases, and interest increases. They are also passing on to debt collection very, very quickly.

 

This is a sign of desperation.

 

Rats, when backed into a corner are at thier most dangerous ! :(

 

Unless is has been tested previously, I think the termination route that we are taking may take some time - although we will certainly win with this. Mistermind - I am prepared to eat my words on this :-)

 

CCA seems to have previous form that is encouraging.

 

We have just bowled Egg a googlie today, interesting to see how they handle it.

 

 

THIS IS NOT LEGAL, OR QUALIFIED ADVICE REMEMBER!!!

 

Any idea as to time scales with the termination case?

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Haven't the US government just taken a controlling stake in their parent company, Citibank?

 

They have certainly been behaving very strangely in my friend's Egg loan case:

http://www.consumeractiongroup.co.uk/forum/egg/174507-militant-consumers-friend-egg.html

 

They've gone completely silent for about 10 weeks. I'm not sure if it's because this agreement got featured in the CAG guide to unenforceabe agreements!

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Just had an email from Egg - call this number urgently blah blah, but found this rather perplexing statement in the footer

"Hillesden Securities Ltd t/a direct legal & collections does not accept legal responsibility for the contents of this message, as the Internet is not secure and this message is subject to possible data corruption either accidentally or on purpose."

:confused:

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Then why do they call it a SECURE messaging service?!

 

Egg are getting beyond a JOKE!

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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Then why do they call it a SECURE messaging service?!

 

Egg are getting beyond a JOKE!

 

They sent this by normal email not the secure messaging facility but even so I feel like saying since the internet is not secure all the info on my account has been subject to data corruption either accidentally or on purpose :p

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I got an email yesterday, asking me to log on or call the number. I tried to log on-and guess what? it won't accept my username and password-so I presume I am supposed to immediately call them.

 

 

Just to make it clear to Egg

 

"Ahem...............I ain't as stupid as I'm green looking.

 

If you have something to say to me, just jot it down on a piece of paper ( it's called writing), put it in an envelope, put my address on the front and put it into the small oblong hole at the top of one of those tall red things, you know, a postbox.

 

Like you've been told to."

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It would seem from other threads that the Egg agreements are unenforceable, and have case history to back this up.

 

Thanks to this wonderful site, more and more people are becoming aware of this.

 

I would agree with many that have said on here that they have mixed marketing speak with legal speak, and made a big mistake with this.

 

The reason that they will be trying to get on the phone to people is because they can apply pressure much more easily and try and catch you on the hop.

 

ONLY EVER DEAL IN WRITING WITH THEM.

EVER.

EVER.

EVER!

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It would seem from other threads that the Egg agreements are unenforceable, and have case history to back this up.

 

Thanks to this wonderful site, more and more people are becoming aware of this.

 

I would agree with many that have said on here that they have mixed marketing speak with legal speak, and made a big mistake with this.

 

The reason that they will be trying to get on the phone to people is because they can apply pressure much more easily and try and catch you on the hop.

 

ONLY EVER DEAL IN WRITING WITH THEM.

EVER.

EVER.

EVER!

 

I look forward to it, they are idiots!

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I love the way the credit card companies start sending you stuff in hand written unofficial type envelopes or on pretty postcards. What are they hoping to achieve?

 

Saving money to pay the lawyers (peanuts) !! :p

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Well according to Egg, they can send me a default message via secure message, but I can't talk to them about my account via it. That HAS to be a tad unfair don't you think? They haven't sent me the default notice in writing. :( Just online. Hmm.

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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Well according to Egg, they can send me a default message via secure message, but I can't talk to them about my account via it. That HAS to be a tad unfair don't you think? They haven't sent me the default notice in writing. :( Just online. Hmm.

 

Would they be under any obligation to prove you read it?

I am just confused as to why they would send out a default notice by post if a secure message was sufficient and I have had one in the post.

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I'm just annoyed that they wont communicate with me about my account over secure message, but will send out default noticed via secure message. That's not a 2 way communication - its all going in my BIG complaint to Egg!

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

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