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    • My car is currently elsewhere. So no.  My issue is that it's private land whether the owner is using the garages or not and they've been asked to stop
    • Are your garages not being used atm? HB
    • Thank you to you all, you guys are amazing!! Yes of course i will be making a donation, i am very grateful to you all. Keep up the good work
    • I'm not quite out of the woods yet. The email they sent me also said that I have £290 of arrears and it has been passed onto their collections department. If anything my account should be £10 in credit.  They haven't taken into account the trainers that were returned back in October. The other items have been credited to my account so it looks like I've still got work to do.  They are not very quick to reply to emails, although I've only sent one trying to find more information, and I have no idea what happens next. Half of me want's to get it sorted properly the other half just wants it over with, if that means a default then so be it. 
    • No. It's a public (council maintained) road with some houses in it.   Some other houses back onto it too and those owners have right of way down the road to access the back of their properties.  Theres a few garages with private osp - so one drives out the garage, over the osp, and onto the public side road and then out on to the public main road.  Irrespective of whether the garages are used - the local businesses parking their cars on the private osp are ostensibly preventing cars from accessing the public roads.
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.
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      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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Arrangement To Pay LTSB


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Hi, I recently agreed with Lloyds TSB to have reduced loan repayments for 6 months, I asked the lady at the call centre would this have any bearing on my credit report, her words were '' only with Lloyds TSB '' . i have just checked my credit report with Equifax and to my surprise I see 1 month arrears (I never missed any payment as an agreement for reduced payments put in place) and 5 Arrangements to Pay Icons.

 

I am a bit confused as to what to do next, I am about to settle the arrears and will very soon be in the position to apply for a mortgage.

 

Will the arrangement to pay on my credit file cause any serious impact on me getting a mortgage approval?

 

Is there anything that I can do to rectify the situation?

 

If anybody has any advice or experience with this your comments would be much appreciated.

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Thank you for your comments, I will know soon so not much I can do to change it at this stage. More annoyed with the fact that I was told it would not have any impact on my credit score by Lloyds when it is quite obvious to me now that it does.

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Hi, I recently agreed with Lloyds TSB to have reduced loan repayments for 6 months, I asked the lady at the call centre would this have any bearing on my credit report, her words were '' only with Lloyds TSB '' . i have just checked my credit report with Equifax and to my surprise I see 1 month arrears (I never missed any payment as an agreement for reduced payments put in place) and 5 Arrangements to Pay Icons.

 

I am a bit confused as to what to do next, I am about to settle the arrears and will very soon be in the position to apply for a mortgage.

 

Will the arrangement to pay on my credit file cause any serious impact on me getting a mortgage approval?

 

Is there anything that I can do to rectify the situation?

 

If anybody has any advice or experience with this your comments would be much appreciated.

 

It will definitely have an adverse impact on your credit score. It is in effect telling lenders that you are currently in trouble financially, to the extent that another lender now has to make an arrangement with you as you are unable to maintain the products agreed terms of repayment.

 

It's surely going to stop new lenders providing you with more credit, when you can't afford to pay for what you already have.

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Lenders regard arrangements to pay as serious arrears, which is having a significant impact on your ability to obtain credit. Negotiating a lower amount to repay on just one occasion can indicate to lenders that you're struggling to meet your existing credit repayments, so you represent a greater risk should they lend money to you.

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