Jump to content


  • Tweets

  • Posts

    • Actually there wasn't a massive amount of work to do on the WS.  The "meat" was there because of the great work you'd already done. Here is a version which I think is nigh-on finished. However, with Easter there are a few days for the other regulars to suggest tweaks. Defendant WS.pdf
    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part used for testing (and ours reinstalled) as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Also, does anyone have any other decent contact details for Hotpoint (or the Whirlpool group)? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
  • Recommended Topics

  • 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
      • 160 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
  • Recommended Topics

Got myself into trouble Help


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4930 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 won't go into the whole sorry tale Upshot is I had a whole load of debts totalling @ £22,000 which I have been paying for the last 10 years at the rate of £7 per month (Token Payments)

 

I don't know how but I managed to let my ex talk me into getting another £33,000 pounds worth of debt in the last 15 months

 

He could not get credit in his own name

 

Anyways I told some lies re my income in the last lot of debt 2 x loans plus 2 x credit cards plus a massive overdraft (all maxed out) be cause I had him staying with me I thought I could service those debts

 

Anyway in the last 6 months I have had a serious illness lost my job and my ex is now my ex

 

I was thinking about taking the low income low assets route to bankcruptcy as I have no income apart from State Benefits and I live in rented accommodation

 

Could anyone on this site advise me as to how you think the AiB will view my situation vis a vis my older debt and my newer stuff bearing in mind I did lie on the application forms for the new loans

 

I know this sounds mixed up Any questions??? Any advice greatfully accepted

 

Please dont judge me till you have walked a mile in my shoes

 

Lass

Link to post
Share on other sites

Hi Lothianlass

 

No one is going to judge you on here :cool: everyone has their own story

about their reasons for getting into debt.

Anyway your total debt is still lower than what mine was. :)

 

Hopefully one of the experts will be along soon to give you

advice re the aib and anyhting else you need to know.

 

HT

  • Haha 1
Link to post
Share on other sites

hiya

 

if you have no assets it might be the way to go

 

National Debtline Scotland | Debt Advice | Factsheet 01 Bankruptcy

 

Ida x

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Thanks Ida I was more worried about how the AiB will view how I managed to get into the second load of debts

 

Any thoughts??

 

Will I end up in big trouble for inflating my income on loan applications??

 

cheerz

 

 

That link was most helpful thanx

 

shine a light

 

Lass xox

Edited by lothianlass
Link to post
Share on other sites

Will do Blue going to make a list and get in touch with that Debtline Scotland ASAP

 

I seem to have been frozen with fear last few weeks afraid to answer my phone or my door

 

Thanks to finding this site I can feel the darkness lift a bit

 

Trying not to be a drama queen but I really have been worried sick

 

Have hardly ate or slept for days just worrying

 

Thanks again all

 

shine a light

 

 

Lass xox

Edited by lothianlass
Link to post
Share on other sites

  • 9 months later...

Hiya everyone Things have changed since the last time I posted on this forum

 

I eventually took the LILA route to Bankruptcy in Scotland and everything has proceeded well so far I was sequestrated in February of this year.

 

My brother has had a bit of luck on the National Lottery and sez he would give me enough money to make an offer of composition to my creditors plus any fees to the AiB The offer would be 25p in the £ that I owed

 

It would be great to be discharged early and have the bankruptcy expunged from my record

 

Does anyone have an opinion as to whether they think this offer would be accepted and as to how one would go about making such an offer?

 

 

Thanx alot

 

Lass

Link to post
Share on other sites

remeber as well the BK will not disappear of your record, it will still be there just that you may be discharged sooner.

 

remember that any monies agreed does not pass your hands as well :wink:

 

http://www.aib.gov.uk/MainNav/Services/Legislation/howlongbankruptcy/offerofcomposition

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

Thanks Ida I think I will leave well alone as I thought bankruptcy could be recinded

 

He said he would take me on a nice holiday with his family Do you think that would be frowned unpon? There would be no money involved just the holiday.

 

If that would create a problem I would just leave it until I was discharged

 

I know how this sounds Puts me in a bad light but the offer of help does have his conditions not mine

 

Luck always to you

 

Lass

Link to post
Share on other sites

if its being paid for by someone else then that's fine

 

it is only a problem if monies pass through your hands,

 

is he looking for another sister to adopt :lol:

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

Please consider making a small donation to help keep this site running

Click here to donate through PayPal (opens in a new window)

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...