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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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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 
      • 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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Since my financial situation became difficult in summer of last year you have all been incredibly helpful and in a lt of ways have shown me the way with dealing with credit cards and loans and I now feel far more confident in dealing with these people and I am keeping them at bay succesfully.

 

The reason that my particular house of cards came tumbling down was that my bank Nat West decided to reduce my overdraft by a third which meant I could no longer pay the monthly bill on my NatWest Premier card which meant that I could not pay other commitments and so on.

 

The upshot of it was that I owe the bank a considerable amount which at the time I provided an I&E and an offer of payment in collaboration with CAB. They ignored me until now and are demanding the full amount and have passed the debt to a company called Tenon whom I just received a letter from demanding me to attend their offices to discuss the debt!

 

I am guessing this is just another tactic that I havent seen before and that having made an offer they have to take it or leave it or take me to court?

 

My World is now a very difficult place as the tenant in the house that I rent out has defaulted on their rent and they are refusing to move out at the end of their tenancy. Of course I will start proceedings but this could take over two months as I'm sure you know. I am struggling to pay my own rent and am really at my wits end. I'm startign to think that bankruptcy is the only way to get out of this. Havent slept for days, worried sick IVA is not an option as I owe too much money.

 

I'm not sure if theres any advice anyone can offer me or whether I'm just venting but if anyone has any thoughts I would as always be very grateful.

 

Thanks

 

GIB

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How long is left on the tenancy? Depending on the terms of the lease, could you not start proceedings to have the tenant evicted now for breach of contract, in so much as they have failed to pay their rent? Just a thought, someone that knows more will be along soon though.

 

I haven't heard of a DCA asking people to go to their offices; but I sure as hell is hot would not ever take a DCA up on such an "offer"!! Knowing the dirty tricks they employ even when they are on the phone or on someone's doorstep, can you imagine how much worse that would be if the alleged debtor was in the dirty DCA offices?!!?

 

Finally, what debt exactly is it this company are chasing for? And have you made cca requests to all of the relevant debts that you can make this request to (credit cards, loans etc)?

 

Cheers.

UF

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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How long is left on the tenancy? Depending on the terms of the lease, could you not start proceedings to have the tenant evicted now for breach of contract, in so much as they have failed to pay their rent? Just a thought, someone that knows more will be along soon though.

Hi UF - Tenancy ended on 28th December but I agreed to a rolling contract and gave notice on that date. The issue is the lack of funds in the meantime. not sure I can stay afloat!

I haven't heard of a DCA asking people to go to their offices; but I sure as hell is hot would not ever take a DCA up on such an "offer"!! Knowing the dirty tricks they employ even when they are on the phone or on someone's doorstep, can you imagine how much worse that would be if the alleged debtor was in the dirty DCA offices?!!?

I know! I was quite shocked myself - not that I wouldnt relish a little face to face banter!

 

Finally, what debt exactly is it this company are chasing for? And have you made cca requests to all of the relevant debts that you can make this request to (credit cards, loans etc)?

This is for my bank overdraft and charge card which I know is not subject to CCA in the same way as cc's and loans. I have made CCA requests to all of my CC companies and have a file as thick as a whale omelette with their hilarious replies as well as my correspondence - that part of it I'm pretty much ok on (thanks to all the help and advice I've had on here) I have a number of threads Ive started on each creditor since I was lucky enough to find CAG

Cheers UF - GIB

 

Cheers.

UF

 

HI UF - my replies above! GIB

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Hi Alf,

 

Yes it is them - it is a personal unsecured debt

 

what debt are they actually demanding full payment for?

Loan, credit card, overdraft, charge card?

Has the original creditor issued any default notices, termination notice?

Have had any notice of assignment?

 

is there any chance your could scan the letter and post it on here (minum any personal detail)

 

I have not heard of this company chasing personal debt before, they are not a DCA in the true sense. I certainly would not be making any visit to their office to discuss anything.

 

If you can ggive us some more details regard to actual debt they are try to collect we can advise the best course of action.

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"RSM Tenon is regarded as one of the most progressive and entrepreneurial professional services firms in the UK today." Which means they see a chance to diversify into personal debt recovery! They do list debt recovery as one of their services though.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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I think I would quite like to go to meet a dca!!!

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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Unfortunately dont have access to a scanner right now.

 

happy to copy the letter here though...

 

I have been instructed by NatWest to contact you in relation to your outstanding debt and arrange a meeting with you to discuss the most amicable way of resolving this matter.

 

In the circumstances I would like you to attend my office on 27th january 2010 at 2pm

 

Would you please contact me by phone upon receipt of this letter to confirm the above appointment or to discuss your circumstances as I believe that I will be able to help you.

 

I was going to write back saying - I made the bank an offer based on a CAB approved I&E - I wont be attending your office - take it or leave it type thing.

 

What do you think?

 

GIB

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I was going to write back saying - I made the bank an offer based on a CAB approved I&E - I wont be attending your office - take it or leave it type thing.

 

What do you think?

 

GIB

 

That sounds like the best way forward, although I would write in a very conciliatory tone, I would further add that

1. you are taking advice from the CAB, and having two advisors shows a lack of respect to both.

2. you are having some difficulty with the property you own in that the tenant is not paying the rent, and that you are actively trying to get this sorted out.

3. (as you note) the amount you are offering is the maximum that can afford at the moment. You are however desparate to resolve the situation and will be increasing the amounts repaid as soon as circumstances permit.

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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  • 1 year later...

Hi Curious as to how this went.

I have just had an identical letter from Tenon this week re an RBS account where I was gstands and that ave a pesronal guarantee against a company bank account.

I take it that the advice stands and that I should only correspond in writting.

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There seems to be a bit of a trend in that some 'DCAs' are trying to offer DMP services. I have been getting letters from 'Engage' wo are part of Mucky hall, offering to help me sort out my problems - no thanks.

 

As you have already taken independent advice and are following this, I would report this crew and RBS/Nat West, who are responsible for all this, to OFT as I am sure it breaks their guidelines. They are not in a position to offer independent advice, anything they say would be detrimental to your other creditors and this approach is misleading in the extreme

Please support CAG and they will support you.

donate

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If it was me I would write to them stating that I am happy to attend their offices on the date mentioned. I will be charging you at a rate of £50 per hour for my time including travelling time, and also for my fuel, train tickets, meal costs, etc etc. And unless I heard from them within 14 days then I can presume that they have accepted to pay my costs and expenses incurred...

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