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    • the evidence you have from Mercedes is perfect. simply write to both the finance company and the dealership that sold you the car, stating under the consumer rights Act 2015 should a fault appear outside of 6mts, it's for the consumer to prove the fault was present at time of sale. Please find enclosed a copy of said report from Mercedes at XXXX stating quite clearly that the windscreen was replaced on Date , some xxx months/years BEFORE my purchase on DATE. there is a bill to pay of XXX to XXX , i expect you to sort this out between yourselves , i am not liable for this. something upon those lines anyway.  
    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
    • Thanks fkofilee , by any chance is there a templete for guidance that i could use to help me write the complaint?
    • Hi everyone,  There were many topics on this issue in the past. May I please have an update if anyone managed to buy or sell the house with the leasehold air space on it? would the bank lend the mortgage?  If I was not informed about the complications when selling the house. instead, they told me that this would add value to the house and sell faster which is the opposite. Can I file the case and dispute it for mis-sold and misrepresentation?  I am in the year 9th and I was not aware of the issue until I wanted to sell my house. There has been no communication since I signed the contract. The company has never contacted or updated me on how much energy the panels generated how much I used etc.    This is a free panel from the government schemes, run by  Freetricity.   Thank you   
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    • If you are buying a used car – you need to read this survival guide.
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    • 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
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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.
      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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Help Needed for Court Case. Claimant ignoring Directions and Witness Statement needed by Friday


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She has not been on since beging of august.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Maybe a mod could email her.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi all,

 

Thank you all so much for your concern. I'm so sorry to have worried you. And, really, I'm just so moved that you have cared. I love you too! And I feel really guilty. I didn't realize how long I'd been away. I thought it was about three weeks.

 

I've just been dealing with so much stuff over the past few weeks so haven't been on, and only just realized that the email alerts from CAG have been going into junk. As Elsa will know, I am not that computer literate and I tried to reset my security settings as I was getting so much spam and consigned a lot of people into junk, including some cross clients. I think I have sorted it now. :-)

 

We had a family wedding with all sorts of last minute dramas which took up most of August and the first part of September (really I could write a book on that alone - I'd already told Lexis a bit about the bridegroom!!!), and then it's been back to school, and trying to juggle all sorts of other stuff (lack of money) too. My life hasn't been my own at all. Now my daughter's back at school it's finally a bit calmer.

 

Before I update this thread, must tell you that this morning I received someone else's statements from Moorcroft. Unfortunately I cannot get hold of the person in question as they are either ex-Directory or not on a landline, so will have to write. Obviously I want to see if they were sent mine, as theirs arrived in a handwritten envelope. If they did I know I can complain to the ICO, but does anyone know if they actually do get fined or punished in some way? That would be good!

 

My case is still dragging on. I'm about to make another offer, but I haven't even had a chance to deal with this.

 

After the eighth time of asking I finally got the details of Client 4. As I expected it is the man that she told me several times had not instructed us, and she also added a Clause in the agreement which meant that she would be paid regardless of whether she achieved anything or not. It's clearly an unfair contract term, but Mr S was a vulnerable individual who clearly didn't take legal advice before he signed it. Despite the fact that she sat on her fat backside and did buggerall he still paid her almost £5,000, and she knew as soon as he agreed this, the day before she threw me out, that this money would be coming in. What a B**ch!

 

As I think I mentioned before, when this money came to light, her solicitor said it had nothing to do with me because it was an 'ex gratia' payment. This is clearly a lie too. The money became due under the Clause she had put in the agreement.

 

They wanted to go to mediation without disclosing the Client 4 info, as you know, but frankly I can't see the point, so I'm going to repeat my offer and see what they come back with. This revelation shows her up for a grasping, lazy cheat, taking money for nothing from a vulnerable person, so I don't think that any normal person would like this all to come out in front of a judge, but as we all know she is mad.

 

I think this new page layout is weird.

 

Big hugs to all.

 

Lots of love,

 

DDxxxxxxxxx

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So pleased to see you're ok DD and that it's nothing too drastic that's kept you away!:) I've had times when I think I've been off for a week and then realised the entire school holidays have gone by:D

 

Hope the wedding was good despite the drama (and was the cake nice?;)), and thank goodness you've finally got an answer from them regarding the client - good to see that you're still fighting on.

 

Take care

 

Lexis xxx

Time flies like an arrow...

Fruit flies like a banana.

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Hi Lexis, Hi Elsa,

 

Thank you both. :-)

 

I just don't know where the time went. Combination of the school holidays and the wedding. I really didn't realize I'd been gone for six weeks. Love the new smilies too.

 

The cake wasn't half as good as the one you would have done, Lexis, but I've already told you what happened there in the pm. :x

 

Forgot to say above that when she finally sent the info she only sent the second page of the 'agreement' which was okay because it's shown what she did, but of course I wanted to see what else she'd done so said I required the first page, which then was sent as a sideways-on email attachment, which didn't look right - how many of these bank agreements have we all looked at? :lol:

 

I finally got a hard copy of the alleged front page - but it isn't, because the font size is different. Yet another attempt at avoidance and subterfuge to be pointed out to the the court - if we go there.

 

xx

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Glad you're being so forensic, DD. Don't be afraid to ask them very simple, damning questions like 'please explain why the second page is in a different font to the first'. Let them know you will not be hoodwinked. A judge may not be so observant or may simply not be bothered.

 

In my case, I know when my opponent is lying... I get a letter from his solicitor!

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Hi DB,

 

Oh dear! I haven't asked her solicitor to explain - I've just told him it clearly isn't the front page!!!!!! And told him to send the real one.

 

The to**er actually said about three letters ago that they were only supplying the info because my constant demands for it and the resulting correspondence has long ceased to be cost-effective. Why didn't the to**er send it at the first time of asking then, rather than arguing about it for over six months? :x

 

DDxx

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  • 6 months later...

Hi everyone,

 

Can't believe it is so long since I last updated this thread, and I've been quiet on the forum because I have been firefighting on so many fronts, and dealing with so much bloody rubbish which I won't go into here.

 

This situation has still not been resolved. I will give a full update at the end of it, but we didn't go to Court in November. Her solicitor called me and suggested we adjourn and try to make a settlement, and I reluctantly agreed. :-) She is now demanding £20,000 :lol: and wanted a Tomlin Order to say she could have a charge on my home. :lol: I went right through the whole file and she makes one statement (which is the truth) and then obviously she's forgotten that she made it because she makes so many other statements which contradict it. In fact the number of contradictions, misleading statements, and untrue statements she makes is absolutely incredible. I've just pointed out to her lawyer that a Statement of Truth is just that, and she will have to explain under cross-examination how she can say two totally different and opposite statements are true. Honestly, even he must know she is lying.

 

So, nothing of interest to report yet.

 

Hope you are all okay and coping with all your situations too.

 

Love,

 

DDxx

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Hi DD

Nice to see you back around, I had noticed a couple of posts recently. I am sorry to hear that this is still ongoing, I wonder how much her solicitirs are charging .......... either she is over-riding their advice or they see her as a cash cow!!!

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She is demanding money from you? On what grounds?

 

While her demands might seem silly and random, make sure you contest and refute every allegation and demand with evidence, as you appear to be doing.

 

Then watch her squirm even more.

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Hi Cymruambyth,

 

I'm going through all my subscribed threads to see what is happening with everyone else. Apart from anything else I had major problems with my internet access, email, etc., but everything is finally up and running.

 

How are you?

 

In answer to your question, she ran up thousands in costs by refusing to provide documents which I was clearly entitled to as they related to the time when I was a Director of the company. This was because they proved beyond doubt that she was lying to me at the time. They finally provided them when her solicitor said it was not economically sensible to continue the correspondence about them, but they could have provided them at the first time of asking. The same thing happened over providing the bank statements because these proved she had not told the truth in her first Witness Statement. Now of course she has these exorbitant costs and expects me to pay for them.

 

The funniest thing was that when we exchanged Witness Statements in November hers stated that she had removed me because the clients hadn't liked me and had preferred working with her. Unfortunately with my own Witness Statement I provided Witness Statements from the clients in question saying that I had done all the work, and she had done bugger all!!!!!! :lol: Obviously she wouldn't have been expecting that! But, despite this, and countless copy letters, emails, etc., proving exactly what I did, she is still saying I should be paid nothing for all my work. The problem is that she has loads of money. A normal person wouldn't keep paying out thousands of pounds because they couldn't afford to.

 

The judge said at the Hearing in 2009 that she strongly recommended this matter be settled through mediation, and I have always offered to negotiate. After all, I have a counterclaim against her too which they completely ignore. She and her solicitor though are determined that it is a winner takes all situation and they keep saying they will win their case. I reckon we can discredit 75% or more of the statements she has made because she contradicts so many of them herself, and the statement I mentioned in the post above is an absolute whammy. Counsel will be able to lead her through all the statements relating to the issue and then say, "but here you say ...." and it's totally unanswerable. The problem with lying is that you have to be very, very clever to remember what you have said, and that's why so many of her statements are contradictory. Add to this all the little inaccuracies she has thrown in to exaggerate her claim and which are totally able to be discredited too, and I do think the judge will prefer my version of events.

 

Anyway, I've pointed all of this out to her solicitor, obviously without revealing what the whammy is but telling him I am sure he must be aware of it, so we'll wait and see what happens next. If it goes to Court she'll have to shell out a lot more money, but who knows? I get the impression from speaking to her solicitor that he doesn't think it's a good idea either. But she's very rich ......

 

Love,

DDxx

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The other problem is that they completely ignore the evidence. She actually let me drive all over the place doing work for a client on the day after she had removed me as a Director because she hadn't told me what she had done (obviously), and we have proved that from emails. They have had the Witness Statements from the clients saying how much I did. They just ignore the lot.

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The other problem is that they completely ignore the evidence. She actually let me drive all over the place doing work for a client on the day after she had removed me as a Director because she hadn't told me what she had done (obviously), and we have proved that from emails. They have had the Witness Statements from the clients saying how much I did. They just ignore the lot.

 

Sure we’ve done this, but I think it’s an offence to remove a director in such circumstances. One director cannot remove another unilaterally, especially not without informing them.

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Hi Elsa,

 

How are you?

 

I just got hit by so much last year, on top of this case, and it was almost total meltdown. You can think you can rely on people, but you can't. My accountant screwed up my business bigtime. Total bloody nightmare, and I just wasn't around because I was running around in a state of shock. So that's why I wasn't on the forum. I was just overloaded. Slight improvement although I'm not out of the woods yet.

 

Are you well|? How are your cases going? I'm going through my threads bit by bit but I know I lost some alerts with all the computer problems.

 

Love,

 

DDxx

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