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    • @jk2054 retailer said they'd speak to dpd on Tuesday. I don't want to screw the retailer because they were doing me a favour by fixing it for free so I hope dpd will refund them so they don't lose out.   Will keep you guys posted. 
    • Well, we live on the same road so it should be the same postcode. When I spoke to dpd and asked why were my neighbours' address not on the list and she said maybe they're not of the same postcode and I checked and they definitely were. Not to mention, delivery instructions are supposed to override actual customer's address which is why they asked for instructions I thought.
    • again a quick google search states Appeal a DVLA fine - GOV.UK (www.gov.uk) i would not be appealing mind. it's only a summary charge which they rarely do court on and pass out the powerless DCA's whom are not bailiffs they have 6mts. see where they go. as you've sorn'd it will probably be nulled. dx  
    • There are a number of reasons why you may not have been issued a notice in the post within 14 days. If you were stopped by the police it may have been given verbally. In the case of speeding offences, the police may issue you with a conditional offer of a fixed penalty of 3 points and £100.00 fine by post or an offer of a speed awareness course. If the offence is considered too serious for a speed awareness course or fixed penalty you may be charged with an offence which normally occurs by way of the issue of a Single Justice Procedure Notice. If the vehicle within which the alleged offence took place was registered to another person or company there is technically no need for a notice to be issued to the driver. After the police have obtained details of the nominated the driver, they will normally send the notice to them, although there are no time limits within which they must do so (provided that the notice was received within 14 days by the registered keeper of the vehicle). In such circumstances, a person may receive a notice several months after the alleged offence too place but still be prosecuted. A Guide to a Notice of Intended Prosecution | Motoring Offence Lawyers the above copy n paste link has purely been copy n pasted here to inform you of the regs, which you could have done yourself by, as this is, a google search......... we do not ever recommend using such offered webservices! dont dx    
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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
      • 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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Why I found CAG


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This article in Credit Today (the mag I love to hate) made me realise how far I have come in the last three years - and how thankful I am for this website and the friends I have made on it. It was my dealings with the guy called Andy in this article which brought me here - his dodgy bailiff was the reason I googled and came up with this forum, and one of the then members helped get rid of them for good.

 

I must admit I was stunned when I read the article, then really pleased, revenge has been very sweet today - particularly as I am helping somebody else with major bailiff issues.

 

Credit Today online

 

Well done to CAG for opening my eyes and helping me climb out the debt mountain, two more debts to go then I am clear - only the 'unsubstantiated' ones left, ie 'mortgage repossession shortfall' and an odd entry on my credit file which is being worked on...

 

CAG has also brought back my sense of self worth and usefullness.

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it was a TV programme that got me here, I could not believe what I was hearing after years of being bullied by banks.

 

Nice to have power for once and to bash the banks back and every other barsteward who was piling on the pressure. I always intended to pay people and indeed have but they were taking so much money from us we did not have a chance.

 

Marc Gander for prime minister

Edited by hilaryfrances
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credit today forum - what someone has posted today

 

Afternoon all

 

Generally all we hear is doom and gloom from the media so I would be interested to know if anyone has any success stories or has experienced any positive changes within their industry.

 

Looking forward to your comments

***

 

they will have a long wait:D till they get a positive reply

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it was a TV programme that got me here, I could not believe what I was hearing after years of being bullied by banks.

 

Nice to have power for once and to bash the banks back and every other barsteward who was piling on the pressure. I always intended to pay people and indeed have but they were taking so much money from us we did not have a chance.

 

Marc Gander for prime minister

Tv programme? June 06? Which one was it, Hills?
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Natwest CCJ then more court action coutesy of Howard Cohen.

-

PLEASE NOTE - I am not a legal expert, my comments are based on information learnt or

obtained and from my own experiences.

-

Case 1 - C L Finance - Court Case 'Stayed' :-). Stay Lifted - N149 AQ Received & Filed. Case Struck Out :grin:

-

Case 2 - C L Finance - Defence Filed. N150 AQ Received & Filed. Case 'Settled by Consent' :)

-

Case 3 - EOS Solutions - No Agreement - Account Closed ~£3500. :grin:

-

Advice & opinions offered freely but informally, without prejudice & without liability.

Use your own judgment and seek advice from a qualified and insured professional if you have any doubts.

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I keep a very nice letter from Abbey as a memento...telling me they're going to do away with my overdraft...

 

it's cost them a hell of a lot of money, and I've had loads of fun as a result:p:D;)

All advice offered here is my opinion only based on what I would do in a given situation. If you wish to act on it you do so at your own discretion

......................................................

I have no legal expertise or qualification, and give advice on the basis of my own experience and nothing else.

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hello there bookie, I think it was Tonight. I remeber Marc talking to someone and saying the reason he had started to question the legality of bank charges is when he did not have enough money left to buy one of his children some new shoes as the bank had taken so much money out of his account.

Edited by hilaryfrances
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I was "served" (second class post) with a SD for an alleged debt that was actually statute barred!

 

I was soooo scared, I was sure I would lose my job, my good name and my families' respect. I nervously put the word Statutory Demand into a google search and CAG popped up!

 

Ive never looked back since thanks to the help and support of everyone on CAG and in no small way to 42man who deserves a medal! He kept me sane and talked me through the technicalities of the set aside application and how to behave/address the judge in court on my day.

 

Ist crudit and Con-naught definately met their match!

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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My daughter, long story and a lot of heartache, however with the help of Ell and others she is in a far better place than 3 years ago and has kept her home. Can't thank you all enough, it's true there is safety in numbers and 2 heads are better than one !

 

 

 

 

Regards and gratitude :)

Regards

 

LilyLou

 

 

 

 

 

If I have been helpful please tip my scales

 

Any advice/comments I give are based solely on personal experience, if in doubt please consult an expert.

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It was those infamous cretins from the C4 Dispatches Undercover Debt Collector Programme.... MARLIN FINANCIAL SERICES!! :D

 

They told me over the phone that they had been awarded 8% interest after judgement. I googled them and lo and behold the results were mainly threads on CAG, which I devoured as a guest and then became a memeber to start my own thread.... haven't looked back since.. CCJ set aside and now hopefully taking them to the cleaners.:p

 

Haven't reduced any of my debts yet but I'm feeling empowered by everything I've learned and it's a work in progress..;)

 

Spam. :)

[sIGPIC][/sIGPIC]

 

They say money talks......mine just keeps saying "Goodbye"

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I googled PPI and discovered the site. Have had loads of help since (don't know how I would have managed the spreadsheets without PF's help)!

 

Also had help with insurance, disabilities, dwp etc. Its been great! Can't believe I hadn't heard of Cag sooner though.

 

It helps just reading the site - knowledge really is power. Its so easy to do the wrong thing through ignorance.

Edited by Jan4a
typo
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Ditto :)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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If you remember a woman with a strange accent speaking to Martin Lewis

 

Speaking? I don't recall any speaking, just noise.

 

It's maaaaaaaaaaaaaaaaaaaaaahh moooooooooooooooooooooneyyy

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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During my moment of clarity (mental clarity, not the dodgy DCA!!!) when I realised that the definition of madness is repeating the same actions over and over again and expecting a different result. Started Googling my various woes and found this wondrous place. :p

 

As many others on here, haven't seen a cent out of anything I've got going on yet, but feeling far better able to deal with it all and getting cockier by the day quite frankly. :D

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Hmm ... started originally with bank charges when googling - went first to Martin Lewis website and somehow chose this site:D easier to get around and success with every claim:p Then realised the potential of mis-sold PPI - great successes. Then the ball went on the other foot and have been defending OH claims - so far 2 discontinued and one at exchange of docs stage. Ho-hum, life is never boring:p CAG has been literally a life saver for both of us and a tremendous source of knowledge and help - thank you one and all x

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  • 4 months later...

Just found this thread. Seems a shame it fizzled out so soon!!!

 

Here`s my bit to help revive it, because it seems quite a good link to send some of the " Newbies " to.

 

It Will Help to Ease their Furrowed Brow and Enable Them Realise They DO Have Rights. AND, THEY ARE NOT ALONE.

 

I found CAG after I overheard our so called Account Manager threatening My Wife on Our Doorstep!!!:x

 

She had been Telling Me for Years. How They would Harass Her every month, turn Up at Her Work etc. We ALL Know the Story. I had chosen to ignore her. I was blaming her for getting behind with payments etc.

 

My Way of Thinking was, How can This Company ( Welscum Finance) be Wrong. If there are Problems with the Account then, because they are a Reputable Company, and Helped Us out when We needed Help with finance and No One Else Would Touch Us ( same old, same old....). My Wife Must be at Fault.

 

When I had Finished Ripping a Big Piece off of the Lying, Bullying Piece of Excrement who was supposedly Managing Our Account, I sat down with My Ladyand through the Tears, I Deciphered what Had Been Happening through Out All the Time, and All the Accounts We had With This **** Company.

 

I CAN NOT Put into Words How BAD I Felt,and Still Feel About How Much I had Let Her Down.

 

I Googled Welscum (I can`t even print their proper title now) Finance. The Very First Link Was CAG, and Well Basically the Rest is History.

 

All of Our Stuff is with FOS. So We Play the Waiting Game, For Now. In the Meantime I am Gaining More and More Knowledge Every Day, About Consumer Rights. I Am Even Giving What I Hope is Good Advice. I Try To Help Where Ever I Can.

 

The Thing is Apart From Being Better Than Any Novel I Have Ever Read, CAG Is Great Fun Too. The People Here are Second to Non. The Knowledge IS Astounding AND Empowers ALL Who Chose To Use It To Join In What I Swear Is MY Lifes Work. That is To Destroy These Cheating Lying Fraudsters and Uncover Any And All the Corruption Within The Financial Market Place (sorry, excuse for a rant ).

 

Cheers and Thank You ALL of My CAGGER FRIENDS.

 

 

 

 

 

I am Also Hav

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I found this site by typing Brighthouse into a search engine. I joined after seeing what other customers had to put up with. I have had a lot of help myself in the forums and spend my spare time trying to help others.

:cool::cool: Blondmusic :cool::cool:
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