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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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    • 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 
      • 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
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Citicards Ignoring Fos **WON**


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HI everyone,About 4 months ago I sent my claim for unlawfull charges with Citicards to the FOS,I have recieved several letters from the FOS saying that they are still waiting for a response from Citi.As they are taking so long in solving the dispute can I charge more interest.And how long does it usually take for the FOS to resolve these matters.kind regards angnnig

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you can use moneyclaim, its quick and easy

post office WON 12/11/06

 

abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON

 

2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08

 

alliance and Leicester.WON

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Hi Angnnig,

 

The Site advice is to file at your local county court if you can.

 

There's a chance with MCOL that the case may be incorrectly Stayed.

 

However, before you do that, you have to go through the early reclaim process - ie Prelim Letter and LBA. If you started off doing this before going to the FOS, I'd suggest you send a new LBA to Citi giving them 14 days, then file at court.

  • Haha 1

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Moving your thread from Legalities to the Citicard Forum.

 

:)

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Thanks for your advice guys.il take it through the local court,not taking any chances with mcol.could we get a reduction with the court fees as we are on a low income and benefits working tax and child tax credit.kind regards angnnig

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We could do with some help from you

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  • 1 month later...

Just to let you all know ,I telephoned the FOS explained to them that we are experiencing financial hardship and that we could do with city settling up with what they owe us.They were really helpfull and said they would get on to them right away and 3 days later they send me an offer of the full charges and interest .and said they deal with the PPI charges city owe me later.I was shocked but relieved as well.its helped the cause a bit ,thought I,d let you guys know what worked for me ,good luck with all your claims.kind regards angnnig

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  • 2 weeks later...

Good.

But as far as I am aware-Citi are not signed up to the waiver,or certainly did not sign up in the first round of July 2007.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Thanks Martin,

I am still waiting for Citi to send my cheque.Its been about 3 weeks now since i signed the consent form, agreeing to citi,s offer.Does anyone know how long it normally takes to get the charges back.thanks ,regards angnnig

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I don't know, but they've kept you waiting long enough already.

 

Write saying they have a final 7 days to send your payment or you'll lodge a further complaint with the FOS because Citi are delaying payment on a case which they know to involve Financial Hardship.

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Will be interested to hear how this goes as have a complaint lodged with the FOS myself against Citi.

Advice offered by ENRON is without prejudice and is for your judgement as to whether to take it. You should seek the assistance or hire of a solicitor or other paid professional if in doubt.

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  • 1 month later...

Hi all,I,ve finally had a cheque from Citicards.Its took almost a year ,but i got thier in the end.;).going to court with Yorkshire bank next ,that has been going on for far too long.regards angnnig

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Hi Angnnig,

 

Great to hear you won (eventually). Please make a site donation if you can to help others beat their banks.

 

Congratulations%5B1%5D.jpg

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