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    • Yeah, I would confirm that anyway, as there is a separate sheet where I have to put in those details and my insurance number and driving licence number. That is on page 2 (page one is their allegations) then page three is a statement that you weren't the driver and space to give details who was driving. Page 4 is an empty sheet for a statement to explain the situation. So I will fill out my details as the driver on page 2, admitting I was driving at the time, and then attach my statement as above as a separate sheet. That should hopefully do it at this stage
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
    • Seems OK, except that you must provide your details (as the driver). Include your name, address, DOB and driving licence number. This is to comply with s172 of the Road Traffic Act. Keep a copy and get a free Certificate of Posting from the Post Office.
    • Dear all, some information/advice required please.   I recently received a Further Steps Notice about a fine from 19/03/2018 which I knew nothing about. It was regarding a vehicle parked on the street without tax ( It was covered up and there because the only key to it had been stolen, I had been away from home  and I was having trouble getting a new key cut and coded to the vehicle )  I had not made a change of address to DVLA which would be why I knew nothing about the fine until receiving the final steps notice dated 29th April 2024 and giving me 10 working days to pay, although the notice did not arrive till May 9th 2024. I emailed the London Collection and Compliance Centre on May 13th 2024 asking for any information and they sent me a copy of the original fine. It is for  £390 back vehicle tax, £85 cost and £600 fine.  I now have received a Notice of Enforcement dated 7th June 2024 demanding payment ( total £1036)  or an arrangement by 6am 15th June ( tomorrow )  My question is is it tool late now to question the £600 fine part of the total amount to be paid ? That amount seems punitive.  Would making a statuary declaration regarding having no knowledge of the original court date apply ? And any other advice gratefully received. I am on Universal Credit and apparently they have already taken £177 via benefit reductions which I wasn’t aware of, but does make it seem strange that they were also unable to contact me.    Many thanks for any assistance 
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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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Lloyds TSB Guarantee - A Long Story


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In 2004 I company of which I was a director went bankrupt. At the time the liquidator asked if there were any personal guarantee's and I said I had never signed them

 

Around 18months later I had a letter demanding payment £15,000. I asked for a copy and they had a signed guarantee. I can't ever recall signing but it's my signature.

 

I checked my documentation and I hadn't signed the overdraft agreements or the application for the overdraft.

 

I have the original overdraft agreement unsigned which states that the overdraft is covered by the guarantee. There is a stamp on this which states 'This letter must be signed and returned before a limit can be put in place'.

 

I also have a copy of the application for the overdraft unsigned.

 

There are a number of issues, first the liquidator is yet to close the file as I offered to go after the debtors of the company and secondly they've told me that as they have the guarantee they are threatening a charging order regardless of the documentation that I hold.

 

I haven't yet told them that I have this documentation (only hinted) but have requested it many times over the last three years. Every time I request it they go quiet for a few months.

 

Please help.

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More news on this, have now got them threatening legal action.

 

Have stated verbally to them that I never agreed that the overdraft would be covered by the guarantee and they argued it was implied.

 

I then informed them the original agreement had a stamp on it as I mentioned earlier. Can they forward a signed unaltered version of it?

 

I suppose legal advice is what I need now will update thread when I know more.

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Unsecured. Have had a letter from Lloyds saying they are taking the file off the DCA for further investigation.

 

I do recall the liquidator asking me about Guarantee's and I said to him I never agreed to them.

 

This has been going on for nearly three years now and the agreement or lack thereof goes back to 2002.

 

My memory is fuzzy I either photocopied the agreement amended the terms of Overdraft Agreement so guarantee was not valid against the overdraft or spoke the the business rep and said I'm not having this and never signed them.

 

It's quite annoying as I don't ever recall signing a guarantee and had I known they were going to claim when the company went through I could have chased the debtors to have secured the funds.

 

I was naive didn't realise at the time that companies generally rub there hands in glee when a company goes through it's so easy to baffle the liquidator.

 

Overall it's really frustrating as the company was owed £30k+ when it went through and being so naive I did it by the book and lost £50k of borrowed cash.

 

Phew, long post sorry.

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