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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • ReuTheo
      EVRi lost my high value parcel - looking for mediation advice and any guidance

      By ReuTheo · Posted

      Hi. I am reading through the full thread and will continue to research. I have come across a reference to a form called N180 DQ in the thread, but I cannot see any reference to this form in my case nor can I see it on the MoneyClaim website. Should I have been sent this form? Thanks 
    • Man in the middle
      Multiple speeding tickets

      By Man in the middle · Posted

      12mph (beyond any UK limit) will certainly qualify for a Fixed Penalty. So you should received an offer of a FP for each of the remaining two offences. Be sure to submit your licence details as instructed when you accept the offer. If you don't your £100 will be returned to you and the police will prosecute you in court.
    • dx100uk
      Erudio/SLC

      By dx100uk · Posted

      and it will be also now written off under age related criteria anyway.
    • HanaK
      Multiple speeding tickets

      By HanaK · Posted

      @dx100ukThanks for this! I'm still not clear if I'm facing more than 6 points on my license though. Can you explain any further please? When I accept the 2nd speeding ticket, will they just charge me £100 and 3 points, or will they be more severe consequences since that offense took place the following day of the 1st offense? Similarly, when I accept the 3rd offense, will they look at my record or just charge me with the £100 fine and 3 points? @Man in the middleI've been searching the forum and you seem very knowledgeable. Would you mind giving a look at my query please? Thanks in advance!!
    • BankFodder
      Big motoring world/motonovo HP - faulty vehicle purchase on 31/5/24

      By BankFodder · Posted

      Yes of course. That's why it says cc:: BIg Motoring World at the bottom. Don't imagine that this solves the issue. It doesn't. He not have to force the finance company and big motoring world to accept the rejection to give your money back. I suggest that you get the letter off tomorrow. And let us know what you hear but on Friday you should then send a threat to the finance company.   Have a look what I have said here about your options and read the whole thread as well.  

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      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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. 
       

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
      BankFodder

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Boring, boring, boring...

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Bookworm

Bookworm

Posted
Posted

My current mortgage fixed rate runs out at the end of the month and I have to find another one. I hate doing this, and have been absolutely shocked at some of the "arrangement" fees, up to £1k!!! :shock:

 

I know it has to be done, but I hate it, I really do and my heart sinks down to my boots at the thought. Maybe this post should have been in the bah-humbug thread. :oops:

 

Urgh. :-(

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Bookworm

Bookworm

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We used to be in Social Housing, MTM. We worked hard to be able to buy and were lucky enough to do so when houses were at their lowest price.

 

Incidentally, the house we bought used to be Social Housing stock, so technically, we still are in Social Housing, the difference is we're paying for all the repairs and maintenance ourselves AND we don't qualify for any Housing Benefit even though we're on low income, so cry me a river. ;-)

 

BTW, the title of the thread mentions that it is "boring", which unless you're a drama queen (jury still out on this one, I believe) hardly qualifies it as a "plight". :-D

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caro

caro

Posted
Posted

We renewed ours with C&G earlier in the year and there were no arrangement fees, but our existing mortgage was there so I don't know if that makes a difference.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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HSBCrusher

HSBCrusher

Posted
Posted

I am ashamed to say it, but we have ours with HSBC.

I had to really, as the offer was too good to miss and had no arrangement fees.

they were doing a rate match thing, I am not sure if they are still doing it...

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Bookworm

Bookworm

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Yes, but it's only for 2 yrs with a £1k arrangement fee, so no that great a deal.

 

If you go for variable, then most don't do a fee, but as soon as you want fixed, ouch. Last time I did it was 5 years ago, and it is a real eye-opener to see the difference now, and not in a good way, no fighting for customers anymore, that much is obvious. :-(

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Bookworm

Bookworm

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Well, I'm not going to blow anyone's trumpet just yet (o-er), but I found a whole of market no fee broker online, and he's calling me back tomorrow once he's done all the legwork for me, so we shall see. :cool:

 

Would you believe that because I want to borrow a little bit on top, Halifax - my current provider - will charge me a £349 fee for first doing the loan application, then tack on the mortgage at the same rate and charge the £0 - £999 fee (but we know it would be the £999 one, don't we, boys and girls? :mad:) as well? So to STAY with my current provider, who will not incur additional expenses since they won't need a new survey, solicitors, etc, only the valuation (which as we know just means phoning the local estate agent), will cost me MORE than moving to a different lender.

 

This is a crazy, crazy world. :-|

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caro

caro

Posted
Posted

Yeah mine's fixed rate too.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Bookworm

Bookworm

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Well, 2 top offers are Abbey and Skipton BS. Abbey is 0.1 % cheaper at 6.02%, but comes with strings, must have a current account with them, put in at least £1000 with 2 DDs coming out of it, arrangement fee £599,

 

Skipton, no such restrictions, 6.04%, arrangement fee £799, and I can make o/payment of up to 10% each year (like THAT's likely to happen! :rolleyes:).

 

Halifax, my current provider? 6.59%, £699 fee + £349 fee for the additional monies! :shock: What happened to keeping current customers happy?

 

Bloody ridiculous, is what it is. :mad:

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Bookworm

Bookworm

Posted
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Why NOT just stick to a normal 'variable rate' mortgage??...:confused:
"stick" would be incorrect as I've never been on variable. :razz: I don't trust the vagaries of variable, I need to know that my payments will be the same, this way, I can budget precisely.

 

Mr BW and I are typical products of the Thatcher years in a way, having seen friends and acquaintances struggling with the 15% rates and often losing their homes as a result, we would never gamble with our home. We probably paid more as a result, having fixed while the rates were going down and down, but we'd much rather do it that way and know that we are as secure as can be in these uncertain times. I truly believe that we are on the verge of a recession, and the credit crunch coming to us courtesy of the US instead of the homegrown recession from when La Thatcher was in power, and I believe that it is going to be as devastating as the last one, so we just want to have as much certainty as can be attained these days.

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tiglet

tiglet

Posted
Posted (edited)

Don't, you're freaking me out - I'm worried about it all enough as it is :(

Edited by tiglet
spelling

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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HSBCrusher

HSBCrusher

Posted
Posted

thats not a bad offer booky... I would bite his hand off with that one, these deals are vanishing fast.

 

I agree, I too lived through the 15% days, and I was lucky enough to have a fixed rate at the time. OK, you might pay a little more, but in my opinion its worth it for peace of mind.

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tiglet

tiglet

Posted
Posted

Perhaps my problem is I always seem to do that in reverse ...

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Bookworm

Bookworm

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Ah, bah humbug and all that. :mad: Nice chap from brokers called me back friday lunchtime, Skipton have just withdrawn this particular deal, so he'll start again on Monday to see what new deals have come up. Blink and you've missed it! :shock:

 

On a separate note, Mr BW had also contacted some people, without me knowing, and they called earlier. I don't much about what they were offering, but Mr BW arrives in the kitchen and says: "They want to arrange to come and meet us here to discuss the various options."

 

Well, my dears, if you have never seen my ears twitch, there it was. :mad: So I said; "No, whatever they want to discuss, there is no reason why they can't discuss over the phone!". Mr BW relays that to them, and they insist. At which point, I told Mr BW to tell then to sod off, erase any info they have from their system and not even think about passing it on to 3rd parties, or there'll be hell to pay, and goodbye!

 

Invite them over, yeah right. If they are that desperate to get here, it means that they will then use high pressure tactics to get us to sign stuff we might not want and then, because they were asked in, there are no cancellation rights. I don't think so. :mad: The cheek of them. :mad:

 

Ah well, back to square 1 then. :oops:

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tiglet

tiglet

Posted
Posted

I agree - i prefer to know what exactly I am paying each month.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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