Jump to content


  • Tweets

  • Posts

  • 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
        • Like

How ready are various DCA's or Original Creditors to go to Court?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4812 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have had many DCA's and original Credit Card Companies threaten to take me to Court over arrears. So far I have managed to agree freezing of interest and lower more affordable monthly payments with most at the eleventh hour.

 

The main problem I currently have is with a Direct Line Personal Loan where Spratt Endecot (solicitors) are involved and threatening Court action. RBS/Dirrect Line have consistently refused to accept a much lower payment. I have CCA'd them and the Loan Agreement seems to be generally OK but I am seeking advice on this (see other thread about Direct Line Loan Agreements) but I don't know how RBS/Direct Line they will go - or if they will eventually agree to a reasonable monthly payment. Has being 73% owned by us softened or hardened them? After all Stephen Hester needs to make his £8 million bonus! And we all know how hard the Tax man can be!

 

Basically I would like to know what experiences other caggers have had - particularly with Direct Line.

I have also just CCA'd Fredpay, BCW, DLC, 1st Credit and Debitas. Any info on how far this lot will push if I put their Accounts in Dispute?

 

Thanks in advance

 

BD

Edited by Bigdebtor
typos
Link to post
Share on other sites

  • 1 year later...

SG

 

That is EXACTLY the type of valuable info I was hoping to get when I set this threadup in 2009. I'm delighted it's now getting a fresh airing and some valuable up to date info.

 

To add to your list of "clowns" I have always found Moorcroft and CSL relatively easy to kick into touch.

 

Spratt Endicott eventually gave up and hande dthe file back to RBS/Direct Line who then went to a proper firm of Scottish solicitors who settled (very quickly and easily - too easily?) at 40% - saving me over £3000 - which Spratt had said was "totally inadequate for their client to consider"!

 

DLC handed their Egg accounts back to EGG - and I've agreed to pay Fredpay £5 per month until I'm 136 years old - frozen interest and charges.

 

I've heard nothing from 1st credit for over a year - since I sent my £1 postal order (cashed pretty quickly) but no CCA or even any reconsituted bluff!

 

The one who is hounding me just now which I'm most concerned about currently is Cabot who seem to have just bought a Barclaycard Credit Card debt which has been in dispute for over a year - Barclaycard did not even acknowledge my CCA request. I'm about to do a PROVE IT letter to Cabot using CPUTR 2008 and will see where we go from here.

 

From other theads Shoosmiths seem to like to go to court - although their cases are often like their name - a load of misspelled cobblers!

 

Thanks again for your input.

 

BD

  • Confused 1
Link to post
Share on other sites

  • 3 weeks later...
Tbe fact this has been going on for 3 months has to tell to you something, CL and the reptilian brother HC are known for there aggressive speed, but they've get a lot of failures and this costs them money, so maybe you have something they are cautious about. Lets face it daddy company 'Cattles plc' is due a general meeting 31 Jan, when shareholders could pull the plug on this outfit. Where will that leave the loan book?

 

The advice above is good about using CP

 

I googled Catlles and found the meeting on 31 Jan approved a take over by a new Company (Sept 2010) called "Bovess" - sounds a bit of a take on "Bovine" to me? I wonder if there are any directors or major shareholders in common?

 

Anyway it's nice to hear of a DCA in trouble who survived from 1927 up till now. Major creditors appear to be Welcome Finance and Ewbank - so another two losing their shirts here hopefully?

 

BD

Edited by cerberusalert
Link to post
Share on other sites

  • 3 weeks later...

Saw BD's comment earlier on so thought I'd revive the thread by adding CL/Cohens name.

 

If anyone would like to read cohens latest letter :-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?276737-GE-Money-Debenhams-to-CL&p=3261298&viewfull=1#post3261298

 

Another DCA that was very quick to issue a claim against us was Link, BUT they really got their butt kicked in court & lost plus had to pay our legal fees, which was thousands £'s.

 

BC

 

Link got hammered by PT2537 in Mold last week too! Hopefully they'll change their name to sLINK (as in "away with tail between legs").

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...