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    • Ok Thank you DX will do just that . will keep you up dated.
    • dispute it with whichever cra provider is now showing it. simply state the a/c is from 2015 and was defaulted (date) and should not have re appeared. probably getting ready to sell it on. dx
    • Hi Caught Shoplifting at John Lewis - Retail loss Prevention/Other shoplifting allegations. - Consumer Action Group Thanks a lot for commenting this experience of yours. I do understand this might be something that you are not willing to talk about anymore but the same exact scenario happened with me today at John Lewis. They took my name/ address/ a picture of me holding a signed banned letter. the only questions I've got are... will I be contacted by the police will this be recorded as police caution or criminal record?  I would really really appreciate if you could let me know how it went.  I am so so so ashamed of myself and am really making changes in my life I feel like I've lost myself for a period of my life but anyways it would be really great to hear back. Thanks 
    • I thought Delinquent ment "missing payments" its active so assumimg it can be seen ? also this is the only thing change on my credit file and that in its self being re added has dropped my credit score . the debt is SB and did drop off my credit file so how have or how can they re add it again ?
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    • 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 
        • 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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Another letter today NOTICE OF DEFAULT SUMS they have charged me for when they came out and that letter above, they have commited an offence havent they? They are 3 months late on the CCA and adding charges to the account isnt allowed? Can someone confirm?

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Another letter today NOTICE OF DEFAULT SUMS they have charged me for when they came out and that letter above, they have commited an offence havent they? They are 3 months late on the CCA and adding charges to the account isnt allowed? Can someone confirm?

 

See you tomorrow for shopping!

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OMG it just gets better! Asked my dad ( screename Ibyss) to have a word as he is better at this than me, I get a little hot headed over the phone, they did NO checks and the monkey from Welcome thought my dad was my husband ( whose name is on the loan) so now they have breached the DPA too now! Hefty fine coming on!

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OMG it just gets better! Asked my dad ( screename Ibyss) to have a word as he is better at this than me, I get a little hot headed over the phone, they did NO checks and the monkey from Welcome thought my dad was my husband ( whose name is on the loan) so now they have breached the DPA too now! Hefty fine coming on!

 

Apart from breaching the CCA1974, the Harassment Act 1997, and the Data Protection Act 1998, he was going to tell his manager to expect a call from me in the morning!

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  • 2 months later...

Hi everyone hope your all well, just a little update...the agreement is with solicitors now being audited.

 

I have received a default notice today, and 3 other letters within the past month...all with different figures on!

 

My credit report shows the balance to be: £2977

Letter 1: £3026.90

Letter 2: £2986.20

Letter 3: £2840.52

 

What I need to know also is what will they do now? I know they need a court order because Ive paid well over 1/3 of the HP...Im not parking on the drive anymore I will park round the back of my house

 

Any advice?

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It seriously amazes me that they read these forums etc and STILL continue to issue such shoddy paperwork!!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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it states within 14 days.....14 days of what? the date of the letter? the date it was received? It should state a numerical date such as 03/03/10 to ensure no mis interpretation plus they must allow 14 clear days for you to remedy it :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

Hi everyone! Hope your all well...can someone clarify a few things for me please? Below is a supposed Notice of Termination..obviously it looks a little dodgy! Now if WF issue me with 2 dodgy and void notices then go for a court order which will probably be void as they have not issued the right notices, then they reposses the car (which doesnt work haha!) then what happens?

 

NOT-1.jpg

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