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    • I agree with you, UB. More parties might not be such a bad thing. More on Farage's manifesto - sorry, contract.  
    • Sorry but first of all you are still referring to your six-month right to reject – but you didn't assert your right within six months so this is not relevant. The situation is that you cannot reject the vehicle unless it is a write off or you have been deprived of the use of it for a significant period of time so that it can be said that you have been deprived of substantially the whole benefit of the contract. By my understanding that is not the case here. Your complaint must be that they are in breach of contract because the vehicle is not satisfactory quality. Clearly because of the way the windscreen was fitted it was not satisfactory quality when it was purchased and it has not remained in satisfactory condition for a reasonable period of time – witness the leakage and the corrosion in the car. On this basis you are holding them responsible for the cost of repairs which are £XXX and any ancillary costs reasonably incurred as a result of their breach of contract. You are currently without the car and this is not a situation which can continue. You are enclosing the evidence plus quotations for repair and you want that by the end of the week you want them to agree to the repairs. Broadly that. Please post a draft as soon as possible. You don't want to hang around on this
    • Hello folks  Got a letter from overdales the day after I submitted my defence this contains a copy of credit card agreement and a letter stating the account has been sold to lowell. H
    • Seen a number of videos online of interviews with people in town centres around the UK. Those that say they will vote Reform can accurately be described as 'Gammon Faced'. So frustrated with life in 2024 and yearning to switch the clock back many decades, they don't really care about the policies of Reform. What appears to appeal to them about Reform is an old fashioned nostalgic outlook, of trying to get the country back to how it was a very long time ago. Yes much of this is about immigration, but it is also about many other issues such as Equalities legislation, Human Rights etc, which they believe have gone too far. For the above reasons, I don't think many who are looking to vote Reform, will switch their votes back to other parties they have voted for before. From what I have seen in polling, 70% were previously Tory and about 30% Labour. The Tories under Sunak can no longer appeal to those who now back Reform. For example, I doubt any Tory Government would support leaving ECHR, because that would most likely be opposed by the majority in the UK. And many Tory MP's would not support leaving ECHR and the House of Lords would block anyway ignoring any conventions to give way to The Commons. A combination of Brexit, Reform lead by Farage and the average age of this voter demographic is quite likely to lead to the extinction of The Conservative party. What may happen after this election is that the right of politics splits into new groups. Some Tory MP's are likely to jump ship and join Reform. And others will try to relaunch the Conservative brand as a centre right modern party. This could possibly lead to the Lib Dems becoming main opposition party at some point. The outcome of this election could well significantly change UK politics forever. And it is not just about the future of the Tories, Labour with a huge majority may find it difficult to keep some on the left happy with Government progress on tackling some issues. So we may see a fracture within Labour support and new parties formed.  
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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 
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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.
      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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claiming back charges from KENSINGTON!!! .....


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ok i have recently paid off the money i owe to kensington, through the desperate sale of my property. their redemption figure was 3,000 more than what we initially borrowed, robbing ****:-x ...anyway, i have been told you can claim back all the arrears charges (they tried to take me to court for :-x ) could someone please point me in the right direction.

i dont think its right that this company should get away with what it did to me & my partner, & i want to have the last laugh for a change.

so i no longer have an account with them as of the 07/10/09 so where do i start? also how good is the sucess rate against kensington?..i know how awkward & sly they can be.

all help gratefully recieved.:)

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I am no expert here but i think you will need to start with a SAR then you can see exactly what they have charged and when. This costs £10, but well worth it IMHO. i have just received all the paperwork from my mortgage company and am currently wading through it all highlighting what has been charged and when! This could take some time!

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I think your job may be easier following the FSA report on GMAC under which GMAC have been told to refund such charges

I tried claiming back charges from Kensington at the start of 2008, was refused and went via FOS, eventually getting back (July 2009) half plus 8% interest, so you should expect that as a minimum.

If the GMAC news doesn't worry them and Kensington refuse to refund, I would avoid court action and go to FOS, quoting the FSA decision over GMAC's treatment of borrowers in arrears and maybe you'll get all charges refunded

Good luck

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Hi All,

Does anyone have any letters to start off claiming back any charges added on from the mortgage companies, i.e. GMAC, Kensington & Mortgages PLC. (all fees including arrears, DD failures, court fees, solicitors fees)

I am adamant i will get money back from these 3 mortgage companies with the FSA having fined GMAC for abusing people in arrears. This will run into £0000's and with an 8% interest rate should be an interesting amount!!!

 

Please help thanks,

 

mcintosh44

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  • 2 weeks later...

Hi I'm claiming about 750 from Kensington, I sent them a prelim with a list of charges and compound interest which, they are adding on.

 

So far they have sent 3 threats to go for repossession and yesterday got a token offer of 100..which they can stick where the sun don't shine.

 

My feeling is to send it to the FSO and make a complaint to the FSA just warm things up for them..

Donate to keep this site open

 

Any help or advice is offered as just that, help and advice without any liability. If in doubt consult a legal expert or CAB.

 

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