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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
    • UK travellers have been turned away at airports because their passports are not valid for EU travel.View the full article
    • i think theres been MORE than amble evidence of that and am astonished that criminal proceedings haven't begun.
    • Yep, those 'requirements' not met to shareholders satisfaction seem to me to be: 1. Not being allowed to increase customer bills by 40% (of which well over 50% of the new total would NOT be investment) 2. 1 plus regulators not agreeing to letting them do 'things in their own time (ie carry on regardless)
    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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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
      • 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
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Sad but true LBL


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hi this is the first time i have posted on the forum

i have been reading the posts and trying hard to grasp the information i took a lbl out last year break up of marriage desperation anyway all was ok till dec startred suffering with depression had to cease work monthly payments where 39.20 somehow through charges i accrued 240 arrears paying 40.00 per week now cant cope strugglin on my own living on ssp paying mortgage etc went to cab they are too busy didint seem to know anything bout lbl or how to advise was shocked.

i dont want to lose my car its my lifeline at minute cant afford 40.00 per week having letters and txts from lbl reminding me (as if i need reminding every day) of arrears and my default please someone help advise needed not coping this is taking over my life !!!!!

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If you get no joy try the National Debt Line they are very helpful, if you are really struggling try CCCS they offer advice and can help to get payments reduced. There are letters you can send to help stop the phone calls. I am sure someone soon will come along with lots more knowledge than I have. I know you feel helpless but you will get loads of help from the people on this forum. I have. DG:)

I have no legal training my knowledge comes from my personal life experiences

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CCCS is the Consumer Credit Counselling Service you can find them on the web check out their website. If you ring them they will make an appointment to ring you back at a convenient time and date. It may just be worth your while having a chat with them. In most cases creditors accept their offers. As everyone will tell you what you haven't got they can't have. Please try to cheer up - everyone is here to help and we have all been in the same situation - in debt - and still are. You will get plenty of advice from this forum - the advice is from everyones own experiences.:) DG

I have no legal training my knowledge comes from my personal life experiences

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Thank you i have been reading this forum for a couple of weeks only there is such a lot to read its hard to take it all in and not knowing where to start this advice will help me to now move forward i hope and try to resolve this , i have read where they just come sometimes early ie 5 am and take the car is this still happening if so how do i prevent this ? Do lbl accept offers when i have tried to negotiate they just said if i could not afford the payments i should consider letting them take my car i originally had 1300 the settlement is 8000 they said if i pay now they would reduce this to 1900 i cant believe i have been so silly

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browneydgirl

 

first

dont panic, we are all aware on log book loans, they are becomming as bad as welcome finance,

 

ill dig out some threads and post a links for you to know how these muppetts operate,

they can be beaten as they are nothing but legal loan sharks,

 

back soon

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Please don't worry we are all in the same boat or were that's why the help from this forum is great because people have been through and are going through exactly the same emotions as you are. Try to keep your chin up. DG:)

I have no legal training my knowledge comes from my personal life experiences

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Please do not sell your car. We had a car took of us because the owner before us took a lbl on it then stopped paying. We lost a lot of money as we have no rights to the car. We now fighting to get money back.

 

If you sell the car it can be took from the new owner, they don't have a leg to stand on other than taking you to court for fraud.

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Please keep reading the threads they are very useful. If you get letters etc., anything that you need help with post them on your thread everyone will take a look and help. Only sorry I don't know anything as such on this subject. DG:)

I have no legal training my knowledge comes from my personal life experiences

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you can go to your local court and obtain an injunction which will prevent them from being able to take your car....at the same time ask the judge for a time order which will give you more time to pay. Its not difficult but if they arrive at your door they will take ur ar so get the order NOW.

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browneyedgirl...you need to go to your local court and fill in a form number N1 it will cost you 150 pounds but will stop them in their tracks. you apply for an injunction on the basis that they have threatened to take your car and you are disputing their bill of sale which you believe was not executed properly..ie if you did not sign it in front of an attesting solicitor then in terms of the bills of sale act 1878 ammendement act it is void. also tel him you are having difficulties financially and ask him to freeze the intrest and ask him for and extended time order. Also tell the judge they are a company of ill repute and that the oft are minded to revoke their license. you can verify this by looking at other threads on this site that refer to log book loans...im sure this will help if you do it.

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i havnt got 150 pounds i did not sign in front of a solicitor just their rep who signed as witness i have got telephone appointment with cccs on the 28th april just hope by keep paying the 40 a week it will keep the wolves at bay go without heating on my pr payment meter rather than lose my car !!!!!

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