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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      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. 
       

      Many thanks 
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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
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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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Ruthbridge Debt Collectors

essexguy

By essexguy
in Debt Collection Agencies

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essexguy

essexguy

Posted
Posted (edited)

Hi

 

Sent Ruthbridge a CCA letter on 31st March Recorded delivery and this was signed for on 2nd APril

 

Received a "without prejudice letter" today 10th June (71 days later) with a copy of one signature page of an MBNA loan agreement from Jan 2002

 

They're claiming a "principal sum" of £15k against an original loan of £24k and are prepared to accept a full & final offer of £12k to avoid petition for bankruptcy.

 

What do I do.....I don't have the money and am worried !!

 

I've attached loan agreement & letter

:shock:

Scan0008.pdf

Edited by essexguy
modification of attached file
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Hobbie

Hobbie

Posted
Posted

Well first of all, they've screwed themselves by sending a letter headed "without prejudice" giving notice for bankruptcy, basically saying "we dont know all the facts but still we're gonna petition for bankruptcy..."

 

They're know they've screwed themselves by making this threat, as it took them so long to come up with the CCA as 71 days is simply a **** take.

 

You may wish to remove the account number from the CCA and the barcode also, just incase MBNA or Ruthbridge are trolling the forums.

 

But the CCA its self might not be even valid, hopefully someone can come along and confirm it is or isn't.

  • Haha 1

Thanks

- Hobbie

 

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

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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Pinky69

Pinky69

Posted
Posted

It must be legible and parts of it aren't. Sceondly, they have not sent you any Terms and Conditions. Thirdly, they have not sent you statements showing what you have paid and what has still to be paid. So for these reasons they have not fulfilled your CCA request and until they do, the account is indispute. The agreement document wouldn't stand up to scrutiny in court - part of it is totally obliterated.

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Hobbie

Hobbie

Posted
Posted
Thanks for the tip...original scans now edited!:rolleyes:

 

essexguy, the account number is STILL on the scanned document i'll even give you a clue, it begins with a 5

Thanks

- Hobbie

 

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

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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