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    • Welcome to the forum What makes you think that ?   Andy
    • 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 In some instances, people are having defaults rescinded and changed to late payment status making the account live again!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.         
  • 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
      • 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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hi just found this website and was wondering if anyone could help.

at 8.30pm tonight my brother gave me a letter that he had at 7am this morning and didnt give it to us till tonight. i have a bailiff coming at 6am tomorrow morning to take goods for the debt of council tax. this is his second visit as he came last week and we tried to ring him and sort out a payment thing where i would pay weekly as im on low income. the debt if for £219, but he wants £541.50. what i cant understand is when i phoned him tonight after just getting the letter he said that this mornings visit charge was £209. but reading some of the threads people are saying that the first visit is £24.50 (which he has already charged) and the second visit is £18.00. he wont even wait till 9.30am so i can ring the council to see if they will take the payment. can they come at 6am in the morning or is that too early i do know that for certian debts its certian times.

any help would be great as i now have only 4 and a half hours before he turns up.

thanks

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Hi Tiggerlit,

 

I am so sorry to hear about your situation. Unfortunately, I do not have any info in this field, but I am very sure one of the site team or a more knowledgeable person will be along soon.

 

Keep your chin up.

 

Take care

amdm

Provident - CCA Request - CCA Received, challenging report with CRA.

Experian - Removal of data request - 10/11/2008 ****** WON AGAINST EXPERIAN *****;)

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hi thanks, i will be on this website all night till he turns up as im so worried. i have my uncles caravan in the front garden so have taken the wheels off it, we also had a freezer down the side of the house and have moved that. police told me to do that when i phoned the 101 number he said they get loads of calls about bailiffs.

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you are correct.

he can only charge set amounts for council tax warrants etc.

 

contact the council direct first thing.

set up a payment plan & also complain to them about the bailiffs charges.

there is a letter rearding bailiff charges you can download and print out.

i'd do that and hand it to him when he calls & also inform him you are dealing with the council direct.

 

he has no walkin possession, so cannot levvy no goods, but might try the caravan thing.

 

just put him off.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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if its got to the bailiff stage then any contact with the court, 99% of the time ends with them telling you to deal with the bailiff.

 

if the bailiff has not already had entry into your house then do not let him in no matter what he says. He can only gain peaceful entry the 1st time so no matter what he says you do not have to let him in.

 

Someone will be around tomorrow to tell you where to go from here.

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i have a bailiff coming at 6am tomorrow morning to take goods for the debt of council tax.

 

He can only do this if he has already been inside your house, and/or if it is a vehicle or goods outside, he has already seized/levied upon the goods.

 

 

this is his second visit as he came last week and we tried to ring him and sort out a payment thing where i would pay weekly as im on low income. the debt if for £219, but he wants £541.50. what i cant understand is when i phoned him tonight after just getting the letter he said that this mornings visit charge was £209. but reading some of the threads people are saying that the first visit is £24.50 (which he has already charged) and the second visit is £18.00.

 

You are right, the maximum a bailiff collecting council tax can charge WITHOUT MAKING A LEVY is £42.50 for the two visits.

Anything else is fraudulent because it isn't provided for in the regulations see schedule 5 here:

 

The Council Tax and Non-Domestic Rating (Amendment) (England) Regulations 2006

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he wont even wait till 9.30am so i can ring the council to see if they will take the payment.

 

he really has you on the run doesn't he! Well it's time to stop.

 

First of all you do not have to speak to him or let him in.

Don't open the door to him, ignore him AND HE WILL GO AWAY, although after speaking to you already he may persist for a bit; but once he gets the message he'll stop, and ultimately the bailiffs will pass the account back to the council.

 

 

can they come at 6am in the morning or is that too early i do know that for certian debts its certian times.

 

It doesn't matter when he turns up if you ignore him, you are not legally obliged to do business with him. You will not be breaking any laws whatsoever and there is nothing he can do if you don't answer the door and keep all doors and windows locked.

 

You must park any vehicles well away from the house.

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If you contact the council - they will tell you that you have to deal with the bailiff.

 

This is because the council have a contract with the bailiff so the council worker has no choice but to say that even though it isn't true.

They will refuse payment if you ask them directly, however they do not refuse payment if you make it directly online.

 

If you do pay the bailiff, you'll find they will take their fees out, and pass what's left if there's anything left to the council - it will make it more difficult to pay your debt off.

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Guest BiG SiD

he has no walkin possession, so cannot levvy no goods, but might try the caravan thing.

dx

 

My advice would be to very careful about advice given on forums! - sorry!! This is where problems can easily arise. Walking Possession (not "walk-in" Possession as some bailiff companies strangely and incorrectly refer to it as!) has nothing to do with permisson to levy distress as here suggested. The bailiff does NOT need your written or indeed spoken permisson to seize assets!

 

As per Chris above, who is quite correct with his summing up of the charges you should expect to incurr. Your charges incurred don't seem to add up with the story. They sound to me as if the bailiff has already levied distress and what incurred is a charge with a view to the removal of previously levied goods rather than simply the actual seizure?

 

Has a bailiff previously called - during which time they levied distress on goods? - He/She would have had to have left an Inventory of Goods seized? - Alternatively they are allowed to charge a levy fee and removal fee in the same visit (even when removal does not have to nesscessarily take place - though this is seldom done - tends to be more on the NDR side of things where perhaps notice of a business going bump or individual absconding is gained - and leading to an 'instant' levy & removal - but certainly not the norm and not by the sounds of it here). If not ring/write to the company and simply ask for a breakdown of their fees, itemising all visits made etc... Something not right here my Spider-Sensor tingling! - is this definately Council Tax and not a Parking fine? (where fee structure is totally different!).

 

All the best

Edited by BiG SiD
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