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 
        • 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
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5332 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

I understood that being on benefits, we would be exempt from the fees:confused:

 

Nope, you have to pay that yourself.

 

I'm not a professional AA99 but, if I was in your shoes, and in rented accomodation, I would be going down the bankruptcy route. The only thing that stopped me is that I am a home owner and there is equity in the property, albeit rapidly reducing!! :grin:

 

It is so commonplace today that there is very little stigma attached. It is also the quickest way to resolve your problems, other than winning the lottery of course!! Make sure you get your bank accounts set up first though.

 

Is it really such a bad thing that you can't get credit?? Afterall, that's what got you into this mess in the first place. Also, looking at the positives, you'll probably be at low risk of identity theft as no beggar will be able to get a penny in your name!! 8)

  • Haha 1

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

  • Replies 72
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I think 1 year is now commonplace??

 

It remains on your credit file for 6 years I believe so does have a lasting effect on your credit file.

 

I don't think GTP was meaning to be offensive...just highlighting the rising numbers...which me thinks is going to increase substantially in the current economic climate.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Looking at the statistics you've posted AA99, you aren't managing to pay your priority debts such as rent and utilities because of the payments you're making to your creditors.

 

I'm not going to mess around with your DMP other than to say this is wrong! You should always pay your priority debts first. BUT this does strengthen my reasoning that bankruptcy may be your only viable solution.

 

As soon as you decide to go down the bankruptcy route then I personally would not be paying anything more to the creditors. No court papers have been served on either of you and so any proceedings are a long way off.

 

Do you have any credit unions where you live who might be able to loan you the money needed to file for bankruptcy?

 

If not, then I would sit it out for a few months and put the money aside (into a different account) that you have not paid your creditors. Afterall, they can add all the interest and charges that they like, but at the end of the day, they will only be receiving a nominal payment...if anything at all.

 

As I said, I am sure that you will be seeking professional advice on this but I would try and get your rent up to date and also make sure you keep up with you council tax. Arrears on utilities can be written off but the company may then ask for a deposit up front.

 

Found a good little guide to bankruptcy here...incase you haven't seen it...

 

http://www.insolvency.gov.uk/pdfs/guidanceleafletspdf/guidetobankruptcy.pdf

 

Good luck and let us know how you get on!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

If you are on benefits, as I am, then try to arrange for pre-payment meters with the utilities and they will take the minimum towards the debt that they can.

 

 

No, No, No, No, No!!!!!!!!!!

 

No pre-payment meters please!!!! :eek:

 

Sorry GKTP!! ;-)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

When I was working the customer had a choice.

 

Prepayment meter or no meter (provided that it was between March and October) As they were given this choice we did not 'cut them off' they refused service.

 

GKTP

 

That is really sneaky and just another example of large corporates exploiting vulnerable people!! :mad:

 

No offence intended personally GKTP :D but it is simply another means of bypassing the laws of the land which were implemented to prevent such behaviour!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

:eek:I've just discovered this newbie that came into effect this Monday:confused:

Alternatives to bankruptcy

 

Your debts have to be less than £15k AA, so you won't be eligible.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

Can you not just do your priority debts:-?

 

Your priority debts are the ones such as mortgage/rent/utilities/council tax etc.

 

I honestly don't think you can pick and choose which ones you want to include in the DRO, AA.

 

The debtor’s total unsecured liabilities must not exceed £15,000;

However, as I'm only just reading up on this, then I'm happy to be corrected!! :)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

MBNA Cards

 

CitiCard

M&S and More

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...