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    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
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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.

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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.

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      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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DCA has been CCA'd


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Hi, I am a new member who introduced myself in the welcome section last week. I have been receiving letters from a DCA about an alleged debt (I say alleged because I will not acknowledge any debt to a DCA unless they can prove otherwise). The first letter was a phishing letter, which I ignored. The second was informing me who the OC is and the amount owed. I then sent a CCA request by special delivery and checked it a couple of days later on the Royal Mail track & trace.It stated; We can confirm that this item was delivered in the guaranteed time. Sorry, an electronic proof of delivery is not available for this item. I received a third letter from the DCA (I am not ready to name them yet!) which would have crossed with my CCA request. It reads "As you have failed to enter into a repayment plan we may instruct an agent in you area to visit your home to discuss repayment of your account. Unless you make payment in the next five days our agent may contact you. I responded with the Rights to visit letter. All the steps I have taken have been with the help of this fantastic forum and I hope I have done the right thing. I have a couple of minor points I was hoping somebody could help me with.

 

1. The CCA request has not been acknowledged yet, although it was delivered over a week ago.

2. The Royal Mail states that; We can confirm that this item was delivered in the guaranteed time. Sorry, an electronic proof of delivery is not available for this item.

3. Is this proof enough that the DCA received my CCA request and I just sit back and count the days, or is there something proactive I can do.

 

Thank you all for the fantastic advice I have gleaned from the forum and any guidance with the minor questions here.

 

I have not acknowelged any debt to a DCA

I have not spoken on the phone to any DCA

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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The electronic proof can take a week to show so just keep checking. Print the page off that says it has been delivered and file it with a copy of the CCA request letter and the SD receipt if you still have it. They now have 12 working days form the day after they received it (to be on the safe side)

 

Whether they acknowlegde it or not the clock is ticking. Don't speak to them on the phone and just sit back.

 

If they do send anything that resembles an agreement through, scan it and post it up so other members can advise whether they believe it is enforceable.

 

Good luck!

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Thanks, Tartan Barty. I have the SD receipts and will print off the ackowledgements of delivery. Like you say the clock is ticking. 12+2 working days. They have until the end of June then it is in dispute. Any letters or copy of a CCA and I will post it up on this thread.

 

Isn't CAG brilliant! :)

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Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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You could phone the post office, the number is on the receipt. It is for those without internet access. Maybe they will post you proof of delivery. It would sit well with your records if needed. I would not be surprised if you didn't get a response of some kind from the DCA. Probably telling you they will get the cca and you will have to pay in full. Or offering a reduced sum if there is doubt on their part in receiving the cca from the original oc. Good luck, I am hoping your dca cannot get your originl cca. They might try to palm you off with something that appears to be a cca. That is why you must post it up on here for the experts to examine.

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Thanks Strand, that's sound advice. I'm working long hours at the moment but when I get a chance I will phone the number on the SD receipt. I also hope the DCA cannot source the CCA. ;) I will keep you informed of Post Office telephone response. If I get any more letters from the DCA, I will post it's contents here. A big thank you for all your support.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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I have just telephoned the Post Office (the number on the sd receipt) and I have spoken to an advisor. The company the Royal mail use for electronic proof of receipt has been having technical problems. As it turned out I was informed my electronic proof of delivery was available now on-line. This has taken 11 days. My records on now up to date (date sent, date received) on my CCA request and I also date (received) all letters from the DCA as the date on their letters can differ quite considerably. No response from the DCA yet. That's now 5 working days and not even an acknowledgement from them. With my electronic proof of delivery I am now confident to let the days pass. Roll on 12+2, Tick Tock. :D

 

Thanks to Tartan Barty and Strand for your advice and support.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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I received an acknowledgement letter from the DCA, it was dated 7 days ago. As mentioned earlier in the thread I always date it on the back, when it was received. Its now five working days. What happens when (if) it gets to 12 + 2? Do I send them a this account is now in default letter, or would it be best to wait (hopefully) for the further 30 days and then report them to TS. I am trying to learn as I go.

Edited by Fighting-Fit
typo

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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  • 2 weeks later...

Hi to all. Just a quick update. It is now 12 days and no agreement. I will give them another 2 days and then 30 calendar days. Tick Tock ;)

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi Sparkles :). I will be keeping my thread updated as events unfold. If you want me to PM you when I hear back I would be willing to do this. I was looking at your thread earlier and understand why you would want to be informed of my progress. Anything I can help you with I would be only to happy to help.

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi Sparkles :). I will be keeping my thread updated as events unfold. If you want me to PM you when I hear back I would be willing to do this. I was looking at your thread earlier and understand why you would want to be informed of my progress. Anything I can help you with I would be only to happy to help.

 

Hi,

 

That is an offer I am not going to refuse.

 

I could honestly use all the help I could get! Also happy to give any support I can. I am not as helpless as my threads suggest, just a bit overwhelmed by the situation my ex has put me in!

 

Sparkles

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Hi Guys

 

First time I've posted on any forum, so apologies if my ettiquette is incorrect.

 

I am dealing with DLC (part of Hillesden securities), who are chasing my Dad for a credit card debt (pre 2000 I think). After visiting this site I did a N template letter to DLC asking for CCA. Prior to that I did a subject access request, which they sent screen dumps of dated call logs (only where ther had a contact and not the other hundreds of harrassing calls at all hours).

 

Anyway, CCA akcnowledged in May and we have had 2 further letters saying they are still looking for CCA and will get in touch in 21 days. There are out of the 12 working days time frame.

 

What do I do next?

 

:confused:

 

Sorry if this isn't the right place to post.

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Hello and Welcome, saindawn.

 

It would be better for yourself, if you start a new thread and keep it updated ;)

 

Have a look at this.......

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

That should keep you straight on what to do :)

 

With the CCA request, just wait until the 12+2 plus another 30 Calendar days pass, then think about further action.

 

We do have a letter to send in these circumstances ;)

 

If the 'alleged debt' is over 6 years old and there has been no payment towards the debt in that time, the debt will be Statute Barred.

Therefore, there is no way you would have to pay any more to it.

 

Good luck with that.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Good luck with your case siandawn. Don't forget that if the alleged debt is over six years old and has not been acknowledged during that period (five in Scotland) then legally, NO DCA is allowed to hound you for the debt. ;) It becomes statue barred.

Edited by Fighting-Fit
added not acknowledged

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi to all CAG members. I have noticed a lot of new members are using this thread to wean information from the 1st phishing letter up to the point where maybe they think they should send a Prove It letter or a CCA. My account is in dispute and the 30 calendar days are up on the 26th July. If it gets that far they (DCA) will be committing a criminal offence. While I am waiting for a response to my CCA request, I will be posting information I feel could be helpful to new members at the start of their fight with a DCA. This will not be a substitute to posting your own thread and must only be used as a guide. I will start with a few acronym's commonly used on this site;

 

DCA - Debt Collection Agency

OC - Original Creditor

CCA - Consumer Credit Agreement

S.A.R - Subject Access Request

TS - Trading Standards

OFT - Office of Fair Trading

FOS - Financial Ombudsman Service

DRA - Debt Reference Agency

 

I remember that feeling when my first letter arrived from a DCA and if I can be of any help to people at the beginning of their fight with a DCA then I will help all I can. On this site there is a vast amount of experience and many member's have helped me. I still need help and will be continuing to ask for it. This does not stop me passing on what I have learned and am continuing to learn. I hope my post will be of some use to someone.

Edited by Fighting-Fit
Typo

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi Sparkles, you have worked so hard sorting out the mess that you found yourself in. You will be rewarded, make no mistake about that. Fighting back is the only way to beat the DCA's. The TS, OFT and any other authorities we can report them to will be sick to death of CAG's by the time we finish with them. ;)

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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Hi CAG’s, :) as I have pointed out elsewhere on this thread, I still remember that feeling when the 1st letter arrived from a DCA. I googled the DCA and fortunately for me and many other’s I found this site with it’s wealth of knowledge. I was not in the best frame of mind and although this site is fantastic it can be awkward for new members who are not thinking straight. I didn’t realise that the 1st letter you get is usually the DCA fishing around and the same letter will go to everyone with the same name. It is their way of searching for people with alleged debt. I didn’t realise that the best thing to do (in my case) was to ignore it. I didn’t realise how bad they are on the phone and how they will hound you if you contact them this way. I also didn’t realise that you should never acknowledge the debt, and only communicate with them in writing and never sign your name. I also did not know it is up to them to prove you have a debt.

 

NEVER SPEAK TO A DCA ON THE PHONE

NEVER ACKNOWLEDGE THE DEBT

NEVER SIGN YOUR NAME

Fight the injustice's of life with joy in your heart and abandon bitterness as it will destroy YOUR soul. Just at the foot, of a very steep learning curve. ;)

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