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    • I have been in the motor trade for 35 years and have used hundreds of companies for a variety of repairs, only once have i had a major problem which i sorted out in County Court and won. I had a Vauxhall Insignia with an engine fault and advertised on 1st Choice car repairs site for a repair.  Jack, actually his alias Lee contacted us with a quote which we accepted. We transported the car to Unit 4/18 Burnt Mills Road North Benfleet SS129JX expecting its return within the promised 28 days. I have had every excuse you could possibly imagine, in the last 2 YEARS!! as to why the car is not repaired. Ecu faults, Ignition faults, Gearbox faults, Exhaust faults, Wiring chaffing faults, Communication faults, Cancer treatment delaying the repair, medical treatment in Turkey delaying the repair, Covid delaying the repair!! The man is a pathological liar and a fraud. He is now refusing to tell me where the car is and refusing me access to collect it. He is under investigation by trading standards dept Jasper Singh officer in the case but he just keeps getting away with it. Police say its a civil debt and not a criminal offence. 1st choice do not want to know, they refuse to do anything other than request the car be repaired directly by UK169 which is of course ignored I found recently all the posts on this site about Jack and his tactics but it was too late. To date i am £6200 out of pocket to this man and it appears the law is powerless to deal with dishonest rogues.
    • The missing parcel is Evri uk , it was going from Shropshire to Cornwall and has gone missing.   but it got me wondering as i also sent a parcel abroad the same day if that had gone missing where would i stand ...    
    • Another farce kicking everything into the long grass - as usual for these corporate and political criminals Post Office scandal: Police to deploy 80 detectives for criminal inquiry. Investigation will dig into potential perjury offences and perverting the course of justice by senior leaders and Fujitsu   Police have asked government for a special grant of at least £6.75m to fund the operation. Police will not seek charging decisions, that is send files of evidence to the Crown Prosecution Service, until after the public inquiry into the Post Office scandal concludes, which is expected in autumn 2025.   It is expected the CPS will not reach charging decisions until 2026, and the wait for any criminal trials could be even longer.     Post Office scandal: Police to deploy 80 detectives for criminal inquiry | Post Office Horizon scandal | The Guardian WWW.THEGUARDIAN.COM Exclusive: Investigation will dig into potential perjury offences and perverting the course of justice by senior leaders and Fujitsu    
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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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Car recently repo'd by Welcome Finance...any advice gratefully received!


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just received a letter from WF threatening me with legal action if I don't contact them with a payment plan. my 'account balance' and arrears figures stated in this letter just do NOT make sense at all.

 

I haven't been on here recently as I've been really struggling with my N1 form and as yet have not filed my claim. Am waiting to get paid so I can buy Patricia Pearls small claims book (looked on amazon and it's £30!)

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hi moneymeltdown again as wannabe says (shes a star and very helpful with n1s lol) mines all ready to go just waiting on evidence to submit forms so if theres anything I can do just shout patricia pearl is cheaper from CAG than amazon :)

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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  • 4 weeks later...

hello!

so sorry I haven't been on here recently..I have had some family things to sort out :( which has meant everything else has taken a back seat

 

ok,so as yet no n1 form filed yet. have had some recent WF correspondence ie a default notice sent by them a few days ago and also a breakdown of all new charges(!) including a repossesion fee of almost £300.

 

I really really need some guidance with my figures as i feel overwhelmed by it all and don't want to file a claim that's unclear!

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hi moneymeltdown again as wannabe says (shes a star and very helpful with n1s lol) mines all ready to go just waiting on evidence to submit forms so if theres anything I can do just shout patricia pearl is cheaper from CAG than amazon :)

 

hello again!

i would love some help regarding filling in the dreaded n1 form...it's just my figures that I keep getting stuck on.I KNOW i have paid more than the 1/3 required and have proof yet every letter that comes from WF says differently

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hello again!

i would love some help regarding filling in the dreaded n1 form...it's just my figures that I keep getting stuck on.I KNOW i have paid more than the 1/3 required and have proof yet every letter that comes from WF says differently

Oh just ignore their cr*p!! :D They don't know their ar*e from their elbow!! What proof have you got? Have you got any copies of the annual statements?? Did you ever rewrite this agreement??

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Hi,thanks for responding!

I haven't heard from these idiots for a while so it's a bit strange that they would start sending default notices now!

I have proof that I have paid the third in writing from WF and various statements from WF. I have checked my credit file with Equifax and have a record of all payments to WF with no defaults (does this count?)

 

No,I have not re written my agreement with WF.

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It's ok, it needn't be a problem if you've already got all the info you need. You say you've checked your credit file, is there definitely only one welcome agreement on there that dates from when you took out the HP to the present date?? Sorry, don't want to seem like I'm doubting your word, just welcome have a nasty habit of rewriting agreements to suit their own needs. It's vital to your case that there was only ever one agreement.

Also, can you count the number of payments made as showing on your credit file?? Was it a 48 month agreement?

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It's ok, it needn't be a problem if you've already got all the info you need. You say you've checked your credit file, is there definitely only one welcome agreement on there that dates from when you took out the HP to the present date?? Sorry, don't want to seem like I'm doubting your word, just welcome have a nasty habit of rewriting agreements to suit their own needs. It's vital to your case that there was only ever one agreement.

Also, can you count the number of payments made as showing on your credit file?? Was it a 48 month agreement?

 

Definitely definitely definitely only ONE agreement! the agreement was for 48 months and yes can count the payments made. the total amount exceeds the 1/3 amount. I have checked many times :)

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Oh and by the way, they can't send you a default now, the account was terminated so there's no obligation to make installments therefore no DN to show arrears :D

 

that's what I thought when I received it the other day :)

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