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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 In some instances, people are having defaults rescinded and changed to late payment status making the account live again!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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    • 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.

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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.
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      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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Natwest rejects Case, still awaiting appeal


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Hello, my name is Ademola.

I am 16 and I am a Victim of Online Fraud. After mistakenly filling in details for an phishing hack, I have now become liable to pay of an £8000 debt and I have currently appealed. Please, I am desperate as I do not currently have a Job and have no way of paying this back and I need help. I would also like to know what the beneficiary bank would be able to offer me. Thank you.

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Number of query's

 

Have you reported this to the Police?

Have they given you a crime reference number?

 

Have you informed the office of fair trading (OFT) & trading standards (TS) of this via consumer direct?

http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

You can also report online issues here,

http://www.actionfraud.org.uk/FRAUD-ALERT-identity-theft-in-your-area-sep10

 

http://www.financialfraudaction.org.uk/consumer-landing.asp

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Report this to the Police in the first instance, everything else will follow from there.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you can give a bit more info, who is saying you owe this money? The bank?

 

How do they say they paid this, was it direct to you, what was the fraud?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The fraud team that I spoke to said that my personal information had been compromised and they had to decided whether or not to wipe the slate clean or make me pay for it.

 

What actually happened was that I stupidly filled out a phishing [problem] claiming to be from the bank and because of that, the fraudsters were able to access my account. What really confused me was that they were able to put a "online cheque" into my account according to the bank statements I received that exact month, and they were transferring a specific amount of money into my account all in one day before the cheque bounced.

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Let the bank conduct it's investigation, although I would ask them if they have informed the Police, if not you should do so.

 

IF they won't/don't or can't wipe this fraudulent debt then that will be the time to escalate your complaint to the FOS.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Noble,

Sorry to hear of your problem! This seems to be becoming the latest phishing enterprise.

Sorry for the questions, but to allow us to advise you better..

How (by what method) did they withdraw the £8000 from your account?

Was it all in one payment, or a number of smaller withdrawals?

How long have you held this account, and is it your first bank account?

Do your parents know about this and are they helping you?

 

kind regards,

Elsa x

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This is very similar to what happened to me albeit a much larger amount. What is an online cheque? I've never heard of one. Also I know NatWest need I.D for any withdrawals over £5000. How did the fraudsters manage to do this?

 

Good Luck with your case.

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