Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
      • 160 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
        • Like

EGG Loan


Talbot
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4018 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Yes they could reconstruct another. But thankfully, creditors are really stupid and can easily make mistakes leaving themselves open to suggestions of, in my view, attempted fraud.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

  • Replies 67
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

aah i see anyway sent off so I will await the valid response

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

ah bugger forgot to include the standard postal order for the cca and sar. damn it shall i re-send with appropriate monies or wait to see what response i get

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

surprise surprise egg have reduced my credit card limit (lucky haven't used it and have no intention of should cut it up really)

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

what does everyone think should i re-send with monies or wait to see what happens?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

heard nothing from them so will re-send with appropriate payments and see what happens.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

not heard anything, paid my £1 as they instructed so we shall see?

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

nothing yet but i'll post as soon as anything changes

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

received a letter yesterday as follows:

 

the consumer act 1974 requires us to send you this notice because your loan account is in arrears blah blah.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

  • 4 weeks later...

they sent me a letter asking for £10 for a cca request i thought that was just a SAR. I will re-send and explain the £1 is all i need to send

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

it actually says 'Thank you for your recent request regarding a Data Subject Information Request' strange I will send back and explain what i am requesting.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

  • 1 month later...

they sent the cca for the loan but they also sent my details for an egg card which i have. very strange. also not heard from them since, suprised i haven't been defaulted etc.

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

  • 1 year later...

Very strange I have ried to get an agreement going with them to pay 50 a month which I am doing by standing order however when i ring to get a discussion going they say the account has been passed on i am still paying them. they have recently sent me a statement showing the payments i have made for past 3 months and the arrears but only for the past 3 months. no interest charged which is great. should i just leave it i.e don't upset the apple cart or have they cancelled my account so to speak because they haven't contacted me in any way for a year????????????

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

  • 2 years later...

Well after various recovery agents etc Britannica have now sold it to ME III Ltd with Marlin Financial acting as agents. I believe they are the same company etc but they have asked for a new I&E and want me to stop paying and change to them but i don't trust them obviously. has anyone got any advice on how to deal with these.

 

what can i expect apart from the barrage of phone calls. are they in form the long haul or short term and then sold on

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

should have said currently paying £50 month so not disputing the debt just struggling to pay but things are improving

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

Well after various recovery agents etc Britannica have now sold it to ME III Ltd with Marlin Financial acting as agents. I believe they are the same company etc but they have asked for a new I&E and want me to stop paying and change to them but i don't trust them obviously. has anyone got any advice on how to deal with these.

 

what can i expect apart from the barrage of phone calls. are they in form the long haul or short term and then sold on

 

I have a similar issue with a family member. Debt issue was sold on to a DCA. They chased and sold the debt on again. I eventually paid off the debt (Mackenzie Hall) but did not receive any receipt or acknowledgement of the debt. Yes they then sold on the debt again to another DCA. (and several more since - too many to name them all) we have been hounded ever since but now just ignore any calls or letters. I believe the debt is with the original debtor if they sell on the debt then you have no obligation to settle. The original agreement was not with a DCA but with whoever. If they decide to sell on the debt then IMO you have no obligation to pay as they will not be able to provide a loan agreement between you and the DCA trying to recover any money sold on by the original loan agreement provider.

 

We have had 8 years of hassle, letters, phone calls, threats of debt collectors, bailiffs, court action and more. If an outstanding loan is sold on to a DCA then IMO the DCA has no legal right to claim any money as they will not be in possession of any signed agreement between you and them.

 

You should not acknowledge any debt to a DCA you do not have any agreement with them and they will hound you and make life miserable for you.

 

Fight them and use the info above to make your case.

 

Good luck with your fight

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

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

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

oh dear so if you wanted to get rid permanently you have to go back to the original lender and find out who they sold the debt to?

 

and then try to deal with them rather than the agent. Fredricksons who were the agent before have offered a deal and will send me a full and final settlement and no-one will chase and won't be passed on etc. if i get Arrow (who bought the loan from egg) to agree with that surely thats enough to show a judge if needed in future?

 

dont know what to do and dont want to spend years obviously battling letters.

 

ho hum

If you feel I have helped please tickle my scales;)

 

 

MBNA - Ongoing

Egg Loan - Ongoing

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...