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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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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 
      • 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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Just got both messages from you Rae and PT - excellent advice and have already got some concrete ideas.

I will get back on it first thing in the morning.

Thank you. I really am overwhelmed why ppl would go to such lengths to help someone you don't really even know.

Am truly humbled. You are great ppl - wish I had more friends like you.

 

Thanks.

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Well, VJ, glad you're not so disappointed with the forum.

Most of the regular posters here have suffered at the hands of bailiffs before. Myself included. So we use our experiences to turn the tables and take pride back for ourselves.

I naturally veer towards anyone in the vulnerable category because I'm vulnerable myself. I have a severe lung disease. I'm no longer able to work and survive on benefits. So another way I look at things is this: I can't do 'meaningfull' work and pay my way in life anymore. The taxpayer - you - pay for me. But I can still write and I can still type. So this is my way of giving back to society, I'm not just 'taking'. :)

Best wishes

Rae

 

[oh, and thanks, I love my avatar too!]

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Well, VJ, glad you're not so disappointed with the forum.

Most of the regular posters here have suffered at the hands of bailiffs before. Myself included. So we use our experiences to turn the tables and take pride back for ourselves.

I naturally veer towards anyone in the vulnerable category because I'm vulnerable myself. I have a severe lung disease. I'm no longer able to work and survive on benefits. So another way I look at things is this: I can't do 'meaningfull' work and pay my way in life anymore. The taxpayer - you - pay for me. But I can still write and I can still type. So this is my way of giving back to society, I'm not just 'taking'. :)

Best wishes

Rae

 

[oh, and thanks, I love my avatar too!]

 

Most perfectly said.

 

PT

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Well, VJ, glad you're not so disappointed with the forum.

Most of the regular posters here have suffered at the hands of bailiffs before. Myself included. So we use our experiences to turn the tables and take pride back for ourselves.

I naturally veer towards anyone in the vulnerable category because I'm vulnerable myself. I have a severe lung disease. I'm no longer able to work and survive on benefits. So another way I look at things is this: I can't do 'meaningfull' work and pay my way in life anymore. The taxpayer - you - pay for me. But I can still write and I can still type. So this is my way of giving back to society, I'm not just 'taking'. :)

Best wishes

Rae

 

[oh, and thanks, I love my avatar too!]

 

Your a star Rae :):) (and your late night sarnies are just the bestest ever););)

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Hi

 

Congrats on the pregnancy

 

I really dont know much on baliff law and can only tell you my experience mine was for council tax.After unsucessfully trying to plead my case with the baliffs i went to my local councillor who was fantastic within a few days I received a letter from the council stating what i owed in detail breakdown of court cost etc and i paid them directly as for the baliffs i never heard from again,

 

Good luck with everything

 

and congrats again

 

Kymmie

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Ah, kymmie, you clearly have a decent council. Unfortunately there doesn't appear to be any uniform way of handling things across all the councils. But they do sometimes do what they should as you found out! :)

Best wishes

Rae

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Ah, kymmie, you clearly have a decent council. Unfortunately there doesn't appear to be any uniform way of handling things across all the councils. But they do sometimes do what they should as you found out! :)

Best wishes

Rae

 

I got to admit I cant fault em but do acknowledge that not all are as accommadating unfortunatly

 

Kymmie

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I rang the council today. I sent the template letter from Kelcou.

I have made a 75% payment against the debt - i dispute the full amount as I have proof from when I moved to my present house and the council is sending me a letter with the dates to back up my version of events.

I believe as PT advised I am now in a position of strength.

However, I imagine the bailiffs will be ****ed off and pursue their own costs.

I will happily pay £42.50 to them but I anticipate they will fight for more.

I have sent them a recorded delivery letter asking for a full breakdown of costs.

I am hopeful that they will back off in the medium term and leave me and my pregnant wife alone in the short term.

But, I do believe I have achieved my main aim of protecting my wife from undue stress and also protecting our cars which are not a luxury but a means of allowing us to earn a decent living and paying our taxes.

Again, thanks to Kelcou and PT for your excellent advice and help in this matter.

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Update - esp. for Kelcou and PT

 

Sent the pregnancy letter - no replay as yet.

 

Did recieve the breakdown on costs from bailiffs and a Notice of seizure of goods. Intersetingly the Notice is from Sept 2009 and they have the WRONG car. It is owned by my sis in law who lives miles away. The cars of my wife and I were parked on street and went unnoticed.

Don't know if this affects anything?

 

The GOOD thing is about £350 worth of charges seem to have disappeared!!!

 

I have made a lions share payment of original bill to the council.

 

At the foot of the letter they have said re-commencement of enforcement starts on 5/5/10.

They don't know yet I have made part payment to council.

 

Obviously, I will make them aware of this.

 

Anthing I have missed?

 

Ta everyone :-)

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You're more than welcome.

Some people try to argue that the pregnant mother has to be at a certain stage of pregnancy. The Standards do not differentiate and - as far as I'm concerned - the first trimester is just as important as the third.

I have a template for early pregnancy so will post shortly.

Best wishes

Rae

 

Thanks for all your well wishes.

 

Update, no reply to pregnancy letter as yet.

 

Have received reply for breakdown of charges; Notice of seizure of goods relates to sept '09 - BUT it is on the WRONG car - that car belongs to my sis in law who lives 90 mins away.

Good news is about £350 of charges have disappeared!!!

 

Also paid lions share of amount owed direct to council.

 

But, at the bottom of letter, they say enforcement action will start on 5/5/10.

 

I will let them know what I have paid to council obviously.

 

Have I missed anything?

 

Ta everyone.

 

Vinny Jones

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Did recieve the breakdown on costs from bailiffs and a Notice of seizure of goods. Intersetingly the Notice is from Sept 2009 and they have the WRONG car. It is owned by my sis in law who lives miles away. The cars of my wife and I were parked on street and went unnoticed.

Don't know if this affects anything?

 

This now proves the levy is invalid - have you told them it is not your vehicle - you don't have to tell them who it belongs to but you should suggest a DVLA check will reveal it belongs to someone who doesn't even live locally. Keep your own cars out of the way for now as if they return they will look again.

 

The GOOD thing is about £350 worth of charges seem to have disappeared!!!

 

Goodness me how did that happen :-| don't tell me they made a mistake!! Is it possible you can post the charges as you never know there may be others you can challenge.

 

I have made a lions share payment of original bill to the council.

 

At the foot of the letter they have said re-commencement of enforcement starts on 5/5/10.

They don't know yet I have made part payment to council.

 

Obviously, I will make them aware of this.

 

Anthing I have missed?

 

Under NO circumstances allow them into your home or give them an opportunity to levy upon anything outside, that then keeps the charges down.

 

Ta everyone :-)

 

PT

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@PT - the breakdown is awful in its presentation.

Bailiffs apologised about the quality of the scanned document!

Its hard to make it out but the sum total of their charges on top of the debt is only £49 and about 42 of that is on the incorrect levy. Rest on letters/admin.

No mention of costs for the 2 payable visits to my home.

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Have you had confirmation from the council that they have recalled this from bailiffs?

 

Which council is it?

 

 

Am awaiting confirmation from the council.

 

Not sure its a good idea to name the council (no reason just following what other posters do)......:|

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