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    • If you look at some of the other debt related threads will see that one of the first things which will be asked will be for you to list out your debts in a brief chronological order, including date of debt, amount, creditor, amount outstanding, defaulted – yes/no – date of default, date of last payment made, have you acknowledged the debt at all to the creditors. That lot at least. I expect that my colleague @dx100uk will be along but will meet to know at least that information
    • Hi, I have found this group very helpful hence I am here seeking help and advice.   I got myself into a situation where I have now more than £50k in unsecured debts (personal loans & credit cards) and things are now getting out of control as I am struggling to make payments. This is purely my own created situation and I am taking 100% responsibility for it. I am keen to get out of this situation as soon as possible hence I would appreciate any help and advice in this process. I am employed at the moment and don’t want to risk going into IVA or bankruptcy as this would risk losing my job. Being sole bread earner of my family, I cannot afford to lose my job. I have been trying to keep up with the payments so far and had few missed payments instances until 3/4 months ago but got caught up with missed payments somehow using my savings. All my debts are still with original lenders. However I know I am getting into same situation again shortly and won’t be able to get out of it again. I have started exploring Debt Management Plan (DMP) option through StepChange but haven’t submitted it yet. Based on budgeting, I have around £820 available to make payments to all lenders after taking care of all other essential expenses. This is definitely lot more affordable than what I am currently paying to different lenders. 1. Is DMP right option for me in current situation? 2. what are the negative consequences of availing DMP? 3. is there something else that I can do to get out of this situation? I’m determined to clear out all my debts but need bit of breathing space and time. Let me know please if you need any additional information. Thanks in advance for all your help and guidance. MM  
    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
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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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Retailer needs help this time!


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Hello all, I do hope that you may be able to help me.

 

I am a small retailer who sells fires and fireplaces on my local high street.

We are having to move to smaller offices due to a downturn in sales and we have been selling off ex-display goods. One fireplace was sold to a lady who bought a fireplace and fire and we installed the goods. She paid a 50% deposit and is now refusing to pay the full outstanding balance of £700 because she says there is a hairline crack in the fireplace which wasn't there when she saw it in the shop. Now I know that she saw it when buying it and the engineer which fitted the fire saw it before it was fitted. When she called to complain I said we would send the engineer out to repair the crack, even though I knew that she had seen this crack before buying. She said it has been done well but is still slightly visable and wants a 50% reduction in the cost!!

 

I think she is trying to pull a fast one and this is my livelyhood. I have offered her a £100 reduction as a gesture of goodwill but she has written back saying she wants a £350 reduction.

 

I can't afford to do this. Am I entitled to take her to court? Its her word against mine at the end of the day and I am loathed to give into this bullying behaviour. Any advice will be gratefully received.

 

liesa

:(

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Sorry no-one has replied to you on this, all to busy enjoying Sunday lunch no doubt!

 

I think I'd get in touch with your local Trading Standards for advice, they are usually quite helpful and dont always come down on the side of the consumer.

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... She paid a 50% deposit and is now refusing to pay the full outstanding balance of £700 because she says there is a hairline crack in the fireplace which wasn't there when she saw it in the shop. Now I know that she saw it when buying it and the engineer which fitted the fire saw it before it was fitted. When she called to complain I said we would send the engineer out to repair the crack, even though I knew that she had seen this crack before buying. She said it has been done well but is still slightly visable and wants a 50% reduction in the cost!!:(

 

Can you clarify as to whether this crack was there when in the shop?

 

If it was you should have pointed it out to her if you were aware of its existence.

 

I do think your customer is behaving irrationally and is seeking a reduction far beyond that which is warranted. Goods must conform to the contract, and it is possible that she has the right to reject the goods entirely, depending on other issues, but I doubt this would be the case now.

 

the law states that it is for the seller to disprove that any fault etc is the responsibility of the seller. However, as the customer has not intimated rejection and seems to be going down the route of repair / replacement / partial refund, I would suggest that you have acted quite properly - at least that's my view.

 

I would do as suggested and contact you local TS dept who do also provide advice to businesses. If this does go to court, it will look favourably on you that you have taken such action and demonstrates that you are willing to comply with the contract and legislation.

 

Do please keep us updated on this. We hear all to often of consumer complaints - its nice to see the other side's point of view as it were!

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Thank you for taking the time to reply to my message.

 

I contacted my local Trading Standards and the lady helped me compose a letter explaining that we were not prepared to accept such a large discount on an already heavily discounted item.

I reoffered the £100 and explained that I would have to instigate proceedings against her if she didnt pay in 14 days. I hope that this gets the desired result or I shall be contacting the small claims court(?)

 

thanks once again and I shall keep you informed.

 

liesa

:-)

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Be careful with the discount. S. 14 of SoGA makes reference to the price where relevant.

 

For example. If two shops sell the same item, one at 50% off due to relocation and wishing to get rid of stock, the other full price, one would not expect the 50% off one to be any worse than the full price one. In this case, the price is not relevant.

 

if however the half price item was reduced due to a fault (pointed out) for example, then the customer must have lower expectations of that item.

 

the last thing you want is the customer biting back saying the actual selling price is irrelevant compared to the discount.

 

But you should give warning that you will expect payment before going to court.

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