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    • Welcome to the forum What makes you think that ?   Andy
    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
  • 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 
      • 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
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hi all excellent site


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well hello all, what an excellent site! i found my way here via the gmtv web site on money matters and im so glad i did.

 

im about to start my claim with the hsbc and will send my letter recorded to my local branch addresses to the manager there, hope i am as lucky as the rest of you regarding a fast response i know ive paid at least £2000 charges in the last 18 months so itll be nice to see some of that again huh.

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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took your advice and checked all statements on line, i found the interest on overdraft confusing though so i just tallyed my total charges only and came to a nice figure of 2k! so .. thanks for saving me some time! ive entered the dates and charges onto the excel spreadsheat gonna print it off as soon as i get back into work on moday.

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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Good luck, I had my first small claim with HSBC paid today!! :) So I can tell you this DOES work, any questions just ask

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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thanks for that cant wait till monday now to send it! should take 14 days then as i understand for them to come back to me (or not) then i goto the money claim site yea?

 

cheers

 

matt

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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sent my prelim letter yesterday recorded delivery along with a breakdown of charges so.. start the clock 14 days from today then eh? feeling better already;)

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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good luck to you too! though sounds as though its in the bag eh? who will settle first lets race?

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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getting excited quietly, prelim letter sent and signed for on 17/8/06

 

no reply as yet.

 

undterred! let em sweat:D

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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yea for a pound it was worth it! id have gone with recorded delivery, hope we hear something soon, did u use the canada square addy or local branch?

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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what laptop are u going for? lemme know i may want to buy your old one!!

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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Hi, I sent my letter to Colin Langdale in Leeds - that seems to be where most people get a response but still nothing yet! Make sure the next one goes recorded I think. Probably get a Dell laptop but using an old pc at the mo........sooooooo slow! Any news for you yet?

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nah no news so far just gonna work out when i need to send the lba:D

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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lba all typed out, gonna post it on monday recorded delivery including my breakdown of costs (which has gone up £125) so watch this space HSBC!

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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Letter before action posted today along with a breakdown of my costs again plus interest recoreded delivery. still no word from the HSBC though - using head of customer relations as contact canada sq address, anyone else using this guy think its a MR D.Lewis

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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received an offer this morning in the post for £1700 which is not too far short of my total £2200 with interest 2450 so what should i do do you think? accept as part payment? if so how long do they take to pay? or accept as is - same questino how long till they pay up?

 

cheers

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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typed my letter today stating that i accept only as part payment thier offer and that i will be persuing the full amount via the courts thanks very much for the confidence to this gained only by others on this site posting their progress and messages of encouragement!

when i win i will be donating also

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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how did you do that ken?

prelim sent !

signed for on the 17 august 2006

LBA signed for on the 5th sept

partial offer received 6th sept

full offer received 15th Sept 2006:grin:

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