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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
  • 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 
        • 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
        • Like

Im sorry but i will be scaling back my activites in the debt forums


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:lol::lol::lol: yes please!

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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Sorry......

 

110_F_10801474_tj7bXgtzy1D4x8ek1CRuhduUnGdNi9xR.jpg

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

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OK then a glass of red will be perfect. :)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I know how you feel, simple comments have been NOT APPROVED, makes my blood boil, sometimes I feel like just not bothering at all, why take the time and then get edited, or cagbot, jumping in.

 

I DON'T KNOW YOU, BUT I DONT NEED TO.....WE ARE BEGGIN

** Credentials **

 

10 Years Finance Fraud Investigator

 

5 Year High Court Sheriffs

 

2 Years Tip Staff Royal Courts

 

Currently : HMCS Enforcement Officer

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What are cagbots?

Check out the threads below for updates on the DCA's that I am dealing with.

 

GE Money/CL Finance/Howard Cohen & Co - AND - Aktiv Kapital/Appleton Massey Solicitors - IN COURT

Cabot x 2 for Vanquis & Hitatchi - DEFAULTED ON CCA REQUEST

Lowell for Capital One - CANCELLED DEBT!! Trying to get Default removed now

Moorcroft x 2 for Halifax Loan & Bank Account - RETURNED TO HALIFAX

Wescot for Halifax Bank Account - RETURNED TO HALIFAX

Cap Quest for Argos Card - RETURNED TO ARGOS

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If a post is edited, moved or moderated in some way by any of the site team, the person who wrote the post gets an automatic PM to notify them. It could be that a thread needs moving from one forum to another for example. The PM shows as coming from a little robot known as CAGbot.

 

It's not necessarily a bad thing, but the site team needs to be careful to avoid any libellous comments as we can't afford the time or cost of court cases, and we make sure the rules of the site are adhered to.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I know how you feel, simple comments have been NOT APPROVED, makes my blood boil, sometimes I feel like just not bothering at all, why take the time and then get edited, or cagbot, jumping in.

 

I DON'T KNOW YOU, BUT I DONT NEED TO.....WE ARE BEGGIN

 

Being site team is no as easy as maybe they make us believe it is. It is a tough job. Behind the scenes site team have to deal with reported posts and means having to make a judgement call. I been there, got the t shirt etc.etc. albeit not on here. It is a tough job but the guidelines are in the rules and if something is posted that is interpreted as being an insult or could be seen as libellous then you have to err on the side of caution. It's never personal and it is never meant to be a slur on anyone's character. I am sure everyone has had a comment or comments unapproved. One person can interpret things in very different manners when something is written to someone else. We all got annoyed with site team from time to time(I do at times) but we have to understand that it is done for the best intentions.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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sometimes we need to remove posts which we even may think are true and correct etc but its got to be for the greater good of the forum, as there are many who would love to see the CAG fall

 

That's perfectly fair and reasonable, however there is a presentation problem in this.

I've been cagbotted on several occasions. One or two of these were, in my view justifiable, in retrospect (in my view one of the cagbots wasn't justifiable all). On quite a few occasions I have no idea what was 'wrong' with my post. I have on these occasions queried this with the site team and received back a big fat ... nothing.

 

CAG seems to jump through all sorts of hoops in order to avoid upsetting those who would see it die. It is difficult to understand why they don't expend a small proportion of that energy in encouraging those who desparately want to see it continue.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Palomino. Speaking as one who has been many times CAGBOTTED I think its important to realise that the site mods have other lives outside CAG and that CAG is not a full time job so rather than leaving something on the board that the DCAs can beat us with they err on the side of caution. Sometimes this may be seen as overkill (thinking of the fracas there was when the Cheekiness thread got pulled) but surely its better to err on the side of caution than to leave CAG open to a Court Case which they are financially unable to contest.

The DCAs and their apologists have vast amounts of money and some of them actually have REAL solicitors :eek: and they would dearly love to see CAG out of business. CAG must cause these people heartaches and a considerable amount in revenue each week. Everyone who can legally refuse to pay them is at least £ 500 and some many thousands. I think a certain amount of Moderation is acceptable if we look at the bigger picture.

 

That is not to say I never get annoyed at the Cagbot or the people pulling its strings but I step back and calm down and then see the bigger picture. *** ****** may complain all he likes about CAG but as we now see the OFT has taken an interest in Worst Credit and Im sure thats due in no small measure to CAG and all its members.

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CCM I would like to add to the sentiments of others on here and say I am pleased to see you are sticking around. The help you give is invaluable and without people like you this site would cease to exist.:)

 

Palamino, if you (Or anyone else) ever have a problem concerning cagbot then send me a PM or email freakyleaky@consumeractiongroup.co.uk .

You will always get an answer and I will do my best to explain the reasons behind the edited post.

 

I am sure the rest of the team would be willing to answer any queries and i am surprised to hear that you have received no reply in the past.

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ODC, I agree with you 100%.

 

The point I am making is that if someone is cagbotted then a brief explanation of why that happened would be at the very least a matter of courtesy. More importantly it may prevent my doing such things in future.

 

So, a brief simple message saying why should be regarded as the norm. There are possibly thing happening behind the scenes which ordinary caggers like me will not know about, but if a site team member says that a post was withdrawn for that reason then it would nice to be know that it was the reason (without giving details) instead of a big empty void. Something like 'your post was withdrawn because there are confidentiality issues involved' would be a start.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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ODC, I agree with you 100%.

 

The point I am making is that if someone is cagbotted then a brief explanation of why that happened would be at the very least a matter of courtesy. More importantly it may prevent my doing such things in future.

 

So, a brief simple message saying why should be regarded as the norm. There are possibly thing happening behind the scenes which ordinary caggers like me will not know about, but if a site team member says that a post was withdrawn for that reason then it would nice to be know that it was the reason (without giving details) instead of a big empty void. Something like 'your post was withdrawn because there are confidentiality issues involved' would be a start.

often it is not possible to tell everyone why a post has been removed, especially when you have to block remove posts as to reply to each poster would take an age,

 

However if there is a single post which is removed then there should as is custom and practice, be an explaination as to why a post has been removed

 

also it is worth noting that if you have a post removed without explanation then you can use the CAG complaints procedure

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I changed my mind about you staying.

 

After the crap that was posted about me by joncris, i too feel its time to vacate.

 

I know how you feel.

** Credentials **

 

10 Years Finance Fraud Investigator

 

5 Year High Court Sheriffs

 

2 Years Tip Staff Royal Courts

 

Currently : HMCS Enforcement Officer

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Oh Boy and Palomino, whilst there is a minority that may have upset you by the way they handle or word things, im sure this is not the general consensus throughout the whole site. I'm sure many people have read both your comments and advice and have used them to help them deal with whatever lifes complications are throwing at them at this moment in time. Unfortunately, life dictates that there will always be conflict but it also dictates there will also be consensus. You can't please everyone.

 

I did see the comments made with regards to you Oh Boy and myself personally felt they were totally unjustified. However, like I said, theres only a minority that have stated this. Please don't let anyone get to you personally, bad comments....pfft next please :)

 

xx

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Oh boy it's crap is it! then prove me wrong by answering my question & if I'm wrong I'll apologise .............Namely are you in one form or another, a debt collector & did you or did you not dismiss the claims of other posters regarding Log Book Loans whilst advising them to contact a named individual at LBL to seek help

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