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    • Bookmakers use betting on political events to entice new customers, and say it is growing.View the full article
    • nope  and  neither dx
    • Ok Thank you DX will do just that . will keep you up dated.
    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • Hi Caught Shoplifting at John Lewis - Retail loss Prevention/Other shoplifting allegations. - Consumer Action Group Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only questions I've got are... will I be contacted by the police will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
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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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RBS CCA request refused due to CCJ


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Hi D & D,

 

Gosh - what an awful mess - as if you didn't have enough on your plate when things went t*ts up with the business....

 

Something struck me as odd when I read posts in page 1 and page 3, I have repeated them out of sequence here to see whether anyone else spots a connection or whether I am just being paranoid!!!!....

 

Post 45 - Unexplainable (by the banks) comment on "Diary Event History Log"is the first date, Post 20: Interest of 80% charged throughout 2000 and not spotted until 2001 is the second date....

 

26/01/00: "Validation agreed - WR part funded 57.26%"

06/03/01: "...branch have incorrectly keyed 80% as opposed to 8% when carrying out validation"

 

Sorry guys I do not believe in coincidences, I find it odd that they note in 2000 that validation is agreed and that the "WR" is part funded 57.26%, then throughout 2000 80% interest is charged....come on....they are trying to pull the wool over someone's eyes here..... I would be asking to see the auditors accounts particularly as 57.26% could not be explained away as a simple keying error...and I would be asking, and wracking my brains, as to what a WR could refer to....

 

Jody

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Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Maybe its World Record for highest interest Rate. Seriously though I find these two entries very very disturbing...Whole R**** - Whole Rate, Whole Record maybe Are there no former employees, or indeed current ones, that could explain what a WR is?

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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Hi D&D,

 

Have you actually checked that the amount f interest charged was indeed 80% - and not 57.26 - also is there any way to find out what the interest should have been on the type of loan they had converted your 'debt' to...any chance it could have been 22.24% ?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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  • 6 months later...

well done D and D.

 

Now the fight continues. If you need any help locating any precedents or anything for a set aside I'll see what I can do to help.

 

My mate has a "loan B" that for the life of me I cannot get a breakdown of (SAR and CPR 18 routes)...just wondering if this is some kind of router account but from Halifax?

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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  • 1 month later...

Hi D & D,

 

Nice to see you are still fighting - and that you still have your sense of humour - I think I might have gone to the wall long before now...

 

Nothing surprises me these days and I believe that all of them will lie to either make their case - or protect their position!

 

Keep your peckers up - there will be an end one day.

 

Jody

Jody123

Please note I have no legal training - the information I have has been gleaned from too many hours on this site! :-)

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