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    • Checking hi-tech with low tech - Wales leading the way Growing Mid Wales, an organisation set up to bring together the private and public sectors alongside the Welsh Government, has launched a mobile mapping project to track areas of poor mobile phone signal Powys and Ceredigion. They will be using bin lorries which have signal detection equipment installed, and thus able to create a comprehensive map of mobile 'not-spots' in the area, since those vehicles will be visiting just about every property in the area on their usual rounds. Just a moment... WWW.THINKBROADBAND.COM  
    • Hi there   thank you for the reply. No, it's not a silly question at all. I am convinced I didn't hit anything with my car. I was going very slowly and it was the guy standing next to his lorry in the road who punched and kicked my car as I went by. It's cause I saw him do it in the mirror.  I initially thought he did it because he thought I was passing him maybe too closely whilst he was messing around with his lorry ?  That's why I stopped and got out and asked what he thought he was doing hitting my car. He then just hurled abuse at me. Not making any accusations such 'you hit me' 'you hit my lorry' or you did this or that. He just swore and shouted at me. At which point I said I would be making a complaint to his company for his threatening behaviour and vandalism for punching my car. I went to my car , got my phone to take a photo of his number plate but then he came towards me again and I thought if he now hits me I am going to come second. I am a woman in her mid 50s travelling on her own and this guy looked like a Millwall football supporter (short, rotund, skin head) so I decided to leave this situation. I got back in my car closed the door and drove off before he could reach me.  I later checked my phone and noticed the photo was too blurred, as I turned and rushed back to my car too quickly before the camera could focus. So I thought it was pointless making a complaint as the guy couldn't be traced anyway, so I forgot all about it until yesterday. But this is all I can think of, it must have to do with this incident as it is in the same street.   
    • Please read the following thread very carefully. It is extremely relevant where you are suing Evri on the basis of a contract which you originally made with Packlink who are domiciled in Spain. A judgement has been obtained and we have applied for transcript and it will be put up on this thread as soon as we receive it probably about the end of July. In the meanwhile, read this thread, see what has been discovered about the Packlink/Evri/customer relationship and look at the witness statement very carefully. It's a long thread but don't give up. Once you have the transcript of the judgement, then I will do a more careful and explanatory post here   https://www.consumeractiongroup.co.uk/topic/459707-evri-lost-my-ebay-parcel-£844-court-claim-issued-judgment/
    • So if the breach occurred say Dec 2017 (first missed payment) and the default notice was issued Sept 2018 and the claim was issued 7th June 24 the claimant will of course be arguing it is within the limitation period (by 3 months)
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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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I mean that it is a legal requirement for them to possess a Consumer Credit Licence, and there are serious penalties for them not having one.

 

I am unable to find any trace of the company that you mentioned on the searchable database. Hopefully other Caggers will confirm. If they really don't have one, you won't be needing to pay anything, that's for sure.

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Lending money without a licence is illegal. If you suspect someone is a loan shark you should report them either by phone, by text/SMS or via email.

 

Stop Loan Sharks : Directgov

 

I don't think you should wait for the bank to contact the police, I think you should go and see them yourself as soon as possible. Definitely report them on that link above, and also report them to Trading Standards.

 

And stop all payments to this mob, I don't think you'll be needing to worry about this alleged debt :)

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I have just reported the situation to the link via e-mail

after reading some other threads on here i see i am not alone with these people however the worrying part was reading that natwest don't seem to be interested in the situation

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however the worrying part was reading that natwest don't seem to be interested in the situation

 

Because of that is why you should report it to the police yourself. The whole banking industry is desperate to keep under wraps just how widespread fraud really is :mad:

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I will phone natwest on monday and ask for an update and advise that i have read that my case is not the only against these people and ask if they have reported it to police as if not I will be doing so myself

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I will phone NatWest on monday and ask for an update and advise that i have read that my case is not the only against these people and ask if they have reported it to police as if not I will be doing so myself

 

I wouldn't expect too much from NatWest.

 

You need to:

 

Go to the police.

 

Involve your local Trading Standards regarding:

 

The money that has been taken.

 

That you suspect the company does not have a Consumer Credit Licence, (A search of the OFT's Public Register shows no licence for Checkbook Loans Ltd, T/A Chequebook Loans).

 

David

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  • 4 weeks later...

A brief update on my reporting - There is none I have chased all parties and had no response. Only ones are cheque book loans sending e-mails, txt messages and tried to take money again (luckily i had moved all my money out my account)

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So you still haven't been to the police you was advised a month ago what to do they are stealing off of you.

Something fishy here.

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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you initially said you had signed a standing order for 40 per month

 

later you said "i agreed to payments of 40 per month from my debit card"

 

debit card transactions have to be done one at a time

 

when you signed the "standing order" was this sent to you from your bank or from chequebook loans?

 

it is unlikely that chequebook loans would send you a SO instead of a DD

 

is it possible that you are confused and have signed a variable amount direct debit?

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The only paperwork I signed was upon application

The payments have always been taken using my debit card which when I cancelled the card due to entering a DMP this problem occurred as they couldn't take any money

There was never a direct debit form signed

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Also, I have a copy of the form they submitted to the bank which is a standing order form trying to take £200/month until further notice with signature and date taken from application

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  • 11 months later...
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