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    • Sorry not sure what you mean, I think I have explained pretty much everything that has happened.  Sold item on ebay and was paid out to me, item got lost, ebay refunded buyer and left my account in minus, 2 years later DRS texting me about the debt owed.
    • I have made some edits. I think it's important to state your ground in terms of without prejudice correspondence and confidential correspondence so that there is no mystery. Secondly, what is all this stuff about "kind regards". Where does the kindness come in? I think you need a change of mindset and unless it is particularly important you think you should change your way of signing off on letters like this. Finally, you have given them to 10 July. Why? You only have to give them 14 days. Do you think that 10 July is going to make any difference? It's nonsense. It undermines your credibility. You need to be assertive and you need to be impatient to get going and they need to understand that – not that it will make any difference. Why don't you say to them that unless you have a satisfactory outcome by 10 July 2025, you will be issuing court proceedings?
    • Case Stay Lifted on 21/05/2024 General sanctions order was made on 21/05/2024   they didnt file their questionarre on time. So they have another 7 days
    • Thank you BankFodder and jk2054. Dear Mr ***** *****, Re: Letter of Claim, Lost parcel delivery P2G123206851 Case Number 3348098 I write in response to your offer of £75 for the loss of the above parcel which I reject. Your offer comes nowhere near the value of the parcel that you were contracted to arrange the safe delivery of. You state that as I did not take out insurance to cover the full cost you will not be making any other offer. Attempting to limit or exclude your liability under the Supply of Goods and Services Act 1982 and your insistence on paying something in addition to the agreed contract price for the service is unfair and contrary to the Unfair Contract Terms Act 1977. If I do not have a satisfactory outcome by the 10th July I will be issuing court proceedings. Kind regards,      
    • Thank you, I suggested a particular approach in my first post. Will you now follow the advice so that we can then understand exactly what has happened and advise you as to what to do.  
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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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New a/c needed for Hubby with 0 Credit rating- any recommendations?

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We're about to claim back my husband's bank charges (SAR posted 1st class to Barclays last night), but wishing to follow the advice on the site I'm looking to get a new a/c set up for him asap. Problem is-he's got a very bad credit rating (not really his fault). He's been trying to leave Barclays for a while because they've refused to give him an O/D but he gets rejected by other banks because of the bad credit and also his dismal record for constantly going overdrawn.


Can anyone recommend a bank that might accept him? All the bad debts were settled 2 yrs ago- he just goes overdrawn on a regular basis (mainly because they won't give him an overdraft). He doesn't need a debit card, just a cash card and the facility to set up & receive Direct debits.

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Yes, I got one of them too with no problems. Online Banking facility is great and you get everything you could need from a bank account except for a chequebook and overdraft facility. Only prob you might find is that where most banks allow you to put enough money in your account on the day a dd is coming out, this one needs the funds in by close of business the previous day or else they bounce you.

"Our lives begin to end the day we become silent about things that matter" - Martin Luther King Jr

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Thanks very much- will give that a go and let you know how we get on. He has genuine heart rending reasons for having a shocking rating- not that I expect them to be sympathetic. We probably won't use the natwest a/c, it's just in case barclays get nasty. I'm going to transfer all his DDs to my a/c anyway since he's so bad at keeping it in credit- we just don't want him to be left with no bank a/c at all!

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