Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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

EGG loan sold to arrows


Happyhippy1959
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4678 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi Guys and gals

 

Just got home from a 14 hour shift at the Hospital and find this bad-boy on me door mat. Nice green egg envelope.

 

My question is, have Arrow purchased the said debt or are they being employed to apply the muscle. I thought I was paying my token payment to this by SO but after a statement yesterday checked on line banking and found a digit wrong. So put in three pounds for the months missed (could ill afford) but hey.

 

Another one is I have 40k of unsecured debt and all have accepted a token payment. Now I know these bully boys will try and strong arm more probably with a CCJ, this loan was taken out in 2008 so no chance of any thing a miss. Best way to defend, just say all I can afford do your worst ?????????????

File0001.PDF

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

The problem you will have with 40K of debt is that the creditors will only accept token payments for so long and then they will most certainly come back at you.

You may of course be able to substantially reduce the debt if for example PPI was included. The return of charges is also a possibility.

 

Whether or not the debt has been sold is somewhat irrelevant in this situation.

 

 

The alternative is to look for a way out, however that would very much depend whether or not you are a homeowner with equity or alternatively have other assets.

 

 

 

If you have found my post helpful please click the star to the left of my profile –

 

 

Thank You

 

 

Link to post
Share on other sites

Interesting cos I thought all Egg cards had been taken over by Barclaycard. But perhaps only those where the card/accounts are being serviced in full.

 

Yes, this is a Notice of Assignment and you should hear from Arrow Global proper, soon, I would say. If there was an arrangement in place with Egg then AG should accept that arrangement. So for the minute, I wouldnt worry too much. But as already advised do look at whether you had PPI or any charges that could reduce the amount owed. :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Indeed mate, my Egg loan balance was reduced by a third because of PPI, interest and charges. Send them a SAR and do some digging around buddy.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

1st Arrow Global

2nd Fredrickson International

3rd Brian (lets sue everybody) Carter ''solicitors''

Welcome to the magic round:madgrin:about

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Hi guy's thanks for your quick advice. Yes Arrow wrote next day,,, repayment stays in place... hmmm. unfortunately this little loan was only taken out in 2007 only a small amount, no ppi all above board.

 

Yes a £1.00 is all I can afford as I have the house and Secured Loan left for my to pay on my own by Mrs ex-hippy. And yes I know they will come back at me but hey this is now 2.5 years I get a review every six months or a year. But at the moment they must be doing a roaring trade with this economic climate. No equity in the house or else I would have flogged it two years ago when she left. Bankruptcy is my only option left, but will hold off till I either stop paying for house and let them repossess because when I go down that route I want a complete clean break... I know that any shortfall will be included in the BR.

 

I am 52 years of age and to tell you the truth I don't care if I never see another Loan, credit card or mortgage in my life..... For 30 + years kept a clean slate paid all my debts on time etc etc,, my God how those bad-boys change when you miss a payment.

 

Never mind,,, I will slog on till I can pick up the courage to say enough is enough, take the house back and do your worst. Mrs ex-hippy buries her head in the sand but as I keep telling her its a joint mortgage you are liable...

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

Take heart Hippy, they can't have what yo ain't got so it's:rockon:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Thanks Brig, my thoughts exactly,,, if some muppet of a DCA buy's a debt of some one who is say 65 + and on benefits or a small pension then they know they are never going to get it back.. the saying that greed gets the better of them rings true.... If a £1.00 is all I can afford for the rest of me natural then guess what,, a pound is what there getting... I would rather sell this house as soon as I can break even than to pay those vultures anything more...

 

An unsecured loan is exactly that,,,, they took the risk,,, tough in my opinion... if I win the lottery then hey,,, happy days for both me and my creditors, what about the billions these bustards lost,,, will they have to pay it back to the tax-payer...NO NO NO

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

Hippy mate, you aint alone and btw really appreciate your honest 'sod 'em all' attitude. good for you man.

 

try and keep your house as long as you can though mate. renting can be ****ty and its a hard road back and at 52 it'd be even harder. try and do wahat you can to stay in the house dude.

 

keep on truckin'

 

DS

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

Thanks Debt star,,, I know renting is not what I am looking forward too.... Will try my damn hardest but hey,,, all the cards seem to be stacking against me... out next week looking for some extra work as my employer after 15 years as decided to pay me only flat rate for any overtime... they can shove that where the monkey puts his nuts. Rather clean toilets at Tesco's than back down on that one.. Lucky as I work three long days at our local hospital so give's me Monday - Thursday to try my hand at a part-time job or did what I did many years ago,,, had a nice little cleaning business going,,,,, windows, little offices etc.... hmmmm like challenges.

 

Yep, will do Dark - Star,,, YOUR SO RIGHT, IT'S A LOVELY THREE BEDROOM HOUSE, EVEN HAVE ME OWN GYM IN GARDEN....

 

Think positive hippy .............. must light up me herbals ....................

[sIGPIC][/sIGPIC]Happyhippy1959

Link to post
Share on other sites

If you can't you can't, at least you've done your best dude. Just fight to them to the last breath man! Don't lest the barstewards grind you down.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...