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    • If you're set on pursuing the receiver then a complaint to his governing body (if any) might be a sensible low risk first step. You need to confirm what qualifications he actually has. I don't believe an LPA Receiver necessarily needs to be a licensed insolvency practioner, although he may be. Or he may a chartered surveyor. I note you say "LPA" and "fixed charge" receiver, but aren't those two different appointments with different remits? What relevant powers are given in the mortgage terms and security? Or if that's unclear then how was the appointment described to you? Ducking back to the comment I made earlier, you consulted a solicitor who advised a claim against the receiver. How did he advise that you do so?   Some background reading (accepting it's from 2013 and you may be working off more recent preceded overturning this) .. LPA receivers owe very limited duty to borrowers; a reminder WWW.WRIGHTHASSALL.CO.UK As lenders rely more and more on their powers to appoint an LPA Receiver, a recent case has clarified the Receiver’s obligations, both to the lender and its borrower.  
    • Good Law Project are trying to force HMG to release details of how Sunak's hedge fund made large profits from Moderna. Government ordered to disclose Sunak’s hedge fund emails - Good Law Project GOODLAWPROJECT.ORG Good Law Project has won a battle with the Treasury after it tried to suppress emails between Rishi Sunak and the hedge fund he founded.  
    • Nick Wallis has written up the first day of Angela van den Bogerd's evidence to the inquiry. I thought she was awful. She's decided to go with being not bright enough to spot what was happening over Fujitsu altering entries on the Horizon system, rather than covering up important facts. She's there today as well. The First Lady of Flat Earth – Post Office Scandal WWW.POSTOFFICESCANDAL.UK Angela van den Bogerd, on oath once more It is possible that Angela van den Bogerd and her senior colleagues (Rodric Williams, Mark Davies, Susan...  
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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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Brighthouse:- : Brighthouse Misery


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I am new to this forum but would like to add my own experience with Brighthouse or as we call them (well it's another term for a toilet). We originally purchased a new Philips 47 inch ambi light TV this arrived with no instructions, nor was it set up for us as was agreed. We approached the store and were given a photostat copy of instructions which it transpired were for a completely different TV. At the time we were being paid our benefits weekly so had no problem making the weekly payments. However the DWP in their infinite wisdom decided to change the way payments were made and moved everybody onto fortnightly payments. We informed Brighthouse via our local store of these changes and showed them the letter from DWP to confirm this. We were informed that this would not be a problem as long as we made the payments fortnightly. We then started incurring late payment fees and receiving phone calls. These calls were received first thing in the morning the payment was due and demanding to know 1. Were we going into the store to make our payment and 2. What time would we be going in. We eventually after several e mails to Head Office got this resolved via the Area Manager.

 

As my birthday approached my partner decided to purchase a new computer for me as my laptop was getting tired. We collected the computer from the store ourselves but later noticed that a delivery charge for £10 had been added to our account. We visited the store to find out why and also to complain that we were still receiving late payment fees despite the agreement. The young assistant merely stated that they had no knowledge of this agreement, it wasn't on the computer and if we didn't like it they would just come and take the goods back. He then tried to charge us another late payment fee which we refused to pay as they had made an error it was their responsiblity. He became abusive and rude and refused to accept any payment at all from us saying that we were now in breach of the agreement and they would come and recover their goods.

 

Both my partner and I are disabled and the way this assistant spoke to us left us feeling distressed and upset. I e mailed a strong complaint to Head Office and was contacted by phone 2 days later by the Area Manager. He asked how he could resolve this issue as Brighthouse prided themselves on their customer care lol. We told him that we no longer wished to deal with this particular store as we had been made to feel so uncomfortable. He arranged to meet us at a different branch in Sheffield to re write the agreements and transfer the account to the new store. On arrival we met the Area Manager who was very pleasant and welcoming even having coffee made for us. There was then a protracted delay as the manager of the original store couldn't find our paper work.

 

This was fine until it came to making our next payment when surprise surprise late payment fee. We queried this and were told that they had no recored of the arrangement to pay fortnightly. The next time we went to make a payment we were told they could not accept the payment as the account was not at their branch. Despite everything that was arranged they still haven't transfered the account. After every payment we receive a letter from the original store stating we are in arrears and at risk of having the goods repossessed.

 

We were even told that if it wasn't for Brighthouse people in our situation would not get credit or be able to buy quality lol goods. They weren't impressed when I informed them that if it wasn't for people like us in this situation then companies like Brighthouse would not exist. Yes they do provide a service that normally would not be available to people on benefits or low credit score. But surely that does not give them a licence to print money, rip people off and generally exploit people who can least afford it.

 

I know one thing, when the items we have are paid up we certainly will not be making any further purchaces from them nor will we be recommending them to any one either. They are even refusing to remove the "Optional covers" even though they are optional. If any of the mainstream high street retailers treated their customers the

way Brighthouse treat theirs they would be bankrupt in no time.

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You couldnt make this up.:roll:

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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  • 2 weeks later...

Further to the above the saga continues. Yet again Sh***house have managed to loose all our paperwork. They are now insisting that we make a journey that normally would take at least an hour to re sign (this will be the fourth time we have done this) the papers so that we can make our payments. At present there is approx three feet of snow all round our property and in the surrounding area. They are aware that we are both disabled and yet are adamant that we have to make this journey. When I tried to explain the situation to th e lady at the store (and I use this term advisidly) and also enquired as to why yet again they had managed to loose this paperwork she literally shouted down the phone at me and stated I'm not even talking to you you're name isn't on the bloody agreement and slammed the phone down. Wow what an incredible display of proffessional customer service at work

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