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    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
    • you would most probably have to raise a court claim naming the dealership and the finance co as joint defendants. you'd win hands down. @BankFodder is best for confirming this. you don't 'contact them' you WRITE expressly exercising your right under CRA, etc as above.
    • Thanks for the reply do you think it’s just a threat for the 14 days or they will send court letters 
    • That’s great, thank you so much. We will contact Doves and the finance company again and hope they will resolve it. Out of interest, where would we stand if we did pay the costs? Would we then be able to claim that back or should we just wait for a response from them before we take the car back from Mercedes?     
    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
  • Our picks

    • 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
        • Like

March Against Cuts


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I don't want to get into any political discussions, but I just want to say that I think the march today is brilliant and I'm thrilled to see such an excellent turnout.

 

I know after 5 years on CAG just how difficult it is to mobilise people, so well done to the TUC for rallying their members and others to take action. Wish I could have been there myself but a prior engagement prevented this.

 

I am emailing my MP to add my support to the marchers.:-D

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I think they must all be marching Caro !!

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

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Hope so Lex,lol.

 

The only annoying part is that a few idiots used the rally as an excuse to cause trouble, but all in all I think the day was a great success and will hopefully show the government the strength of feeling against the cuts. How can it possibly help the economy to put people out of work?

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How can it possibly help the economy to put people out of work?

 

 

 

That seems to be the Tories answer to most things, Thatcher and the miners for example.

 

(Gets off his soapbox quick :x)

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Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That seems to be the Tories answer to most things, Thatcher and the miners for example.

 

(Gets off his soapbox quick :x)

 

Does feel rather like history repeating itself. :-(

 

(Move the soapbox or I'll be on it!:x)

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(Move the soapbox or I'll be on it!:evil:)

 

:-o

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HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

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Yes, it's a pity really that Gordon Brown didn't win the last election, then he could have dealt with things like this: http://www.telegraph.co.uk/health/healthnews/8408774/Labour-left-taxpayer-60billion-bill-for-new-hospitals.html and we would all be living in pink fluffy cloud land without a care in the world.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Think there was a lot of Scots down for the Brazil v Scotland game, helped swell the numbers.

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That seems to be the Tories answer to most things, Thatcher and the miners for example.

 

(Gets off his soapbox quick :x)

 

Scargill and the Miners had nothing to do with the pit closures of course and their peaceful protests were the perfect example of how to conduct industrial/politically-motivated strike action: http://news.bbc.co.uk/onthisday/hi/dates/stories/may/16/newsid_2512000/2512469.stm

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Double posting - don't know what happened there.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Think there was a lot of Scots down for the Brazil v Scotland game, helped swell the numbers.

 

Surely that's a bit of a slur on the Scottish wendyball supporters. Even those carrying the bananas.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Something odd going on here. Another duplicate post.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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i was chatting to a copper from wales

 

given the choice he said he would be part of the demo

 

i got as far as downing street before i had to retire to catch the coach at battersea power station

 

great family day out

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Yes, it's a pity really that Gordon Brown didn't win the last election, then he could have dealt with things like this: http://www.telegraph.co.uk/health/healthnews/8408774/Labour-left-taxpayer-60billion-bill-for-new-hospitals.html and we would all be living in pink fluffy cloud land without a care in the world.

 

OMG how awful. All those people getting their operations so much quicker, easing their suffering and making them more able to work and fend for themselves instead of being off sick and a drain on the taxpayer. What WERE Labour thinking of!!

 

No worries about that happening now I guess.:roll:

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Don't remind me Termi. We were struggling before the 15% rate, but that and the recession in the early '90's under the tories just about finished us off. Because my husband started his own business in the building trade, but couldn't get work we couldn't get any money to live on.

 

He'd been working in the motor parts industry for 13 years but was made redundant because our car industry was going down the pan. It was the Christmas just after our eldest was born - and the redundancy money was used to set up in business.

 

Sorry Fred, you're entitled to your opinions, but my memories of previous tory governments are of nightmare years. I don't see it being any better this time round.

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I have been expecting civil unrest for quite some time now. I predicted rioting over two years ago. Although i dont condone any sort of violence, im afraid that violence is part of the problem itself. There is so much underlying unhappiness in our society, that something, somewhere has to give.

 

We all know the problems,

 

Unemployment, forever rising cost of living, no social housing, massive unsustainable immigration, the E.U. our eternal interference in other countries conflicts, and the massive bill that goes with it. The list is endless and please add to it.

 

And then of course there are, and always has been, politicians who dont have a clue about the " real world ". Now all we hear is, we understand its hurting, but we have to do it. Bull**** IMHO opinion, the severity of such savage cuts will just lead to more civil unrest, and the bill that goes with policing it.

 

Im afraid this might be, just the beginning.

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I believe that the rioters were in the minority and their acts overshadowed what was otherwise a good day.

 

I see Vince Cable said that demonstrating wouldn't have an effect yesterday, but today money has been "found" for a replacement for the EMA's which were being protested about last year, and it made a difference with the poll tax too all those years ago (although some were better off with that).

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Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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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testing

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank 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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OMG how awful. All those people getting their operations so much quicker, easing their suffering and making them more able to work and fend for themselves instead of being off sick and a drain on the taxpayer. What WERE Labour thinking of!!

 

No worries about that happening now I guess.:roll:

 

But it has to be paid for Caro and now, only now, we can see how much it is all going to cost. 65 BILLION!!! This has nothing to do with the 'world-wide credit crunch' and everything to do with Brown's diabolical management of the economy over the 13 years he spent in power. I struggle to understand how anyone can think this is a good thing to be honest. I'm quite certain that those very people whose suffering you want to ease could have been treated at a fraction of the cost in the private sector, but let's not let efficiency get in the way of some vote-winning policies. Now we all have to pick up the tab.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Don't remind me Termi. We were struggling before the 15% rate, but that and the recession in the early '90's under the tories just about finished us off. Because my husband started his own business in the building trade, but couldn't get work we couldn't get any money to live on.

 

He'd been working in the motor parts industry for 13 years but was made redundant because our car industry was going down the pan. It was the Christmas just after our eldest was born - and the redundancy money was used to set up in business.

 

Sorry Fred, you're entitled to your opinions, but my memories of previous tory governments are of nightmare years. I don't see it being any better this time round.

 

Happily for Brown we'll never get to know how he would have dealt with the mess that he created. I suspect that if by some miracle he had been re-elected there would have come a point where reality set in and things would not have been too much different to the current situation. As it is, the Wallace and Gromit man can sit back and let somebody else clean up the mess created by his own party with a view to starting off on a sound financial footing before buggering up the economy once again. My memories of Labour governments are none too rosy either - hyper inflation, strikes, unburied bodies etc. etc. We all have selective memories.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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If the banks had adheared to the Banking Practise Code in this Country and saved money for a rainy day,just like they preach to us, they would have had a buffer instead of asking for money from the Public purse.

 

If you approach the Private Sector for medical cover with a pre condition they don't exactly welcome you with open arms, only at a very large price. As it stands if you have complications whilst being treated in the Private Sector they more often than not get you moved to the NHS for treatment, i.e premature babies, cancer, the list goes on.

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