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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
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    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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.

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

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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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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

1st credit - help on writing a letter

random.internet.user

By random.internet.user
in General Debt Issues

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random.internet.user

random.internet.user

Posted
Posted

Hello,

 

I received a letter today from 1st credit (It seems I'm not the only one, they most be doing the rounds) and have no idea why.

 

I'll start off with my brief history. I'm currently 20 (birthday just passed). When I finished year 11 in school, I went onto sixth form and then stupidly decided to try and get a job. Went on the dole and spent nearly 2 years unemployed (I did various courses, Health and safety in workplace ect) and just recently started work (on my 2nd week, 1st wage today).

 

1 of the courses I tried to join was Train 4 Trade skills. The quick story, I managed to cancel it within the cooling off period and have it on letter that the course was cancelled. I have also helped members on this forum deal with them, although that thread got deleted due to a defamatory claim by T4TS.

 

I have no idea who else I could owe money too. I know Very.com and Jacamo have their own credit systems, but the few orders I've placed with them, I paid via debit card. I have no credit cards, loans or any other credit cards and no reason for anyone to be chasing me for money.

 

I received the letter, no information on it of any use. They just want me to call to confirm I am me (which I won't do). I will write a letter, sent recorded delivery but I need to know what to include and have it printed before I leave for work tomorrow (I leave at 7.10am) so I can get it sent on my way back.

 

Do I confirm my name and address, include the ref number and ask for more details of this supposed debt (I assume it's debt, they state 'personal matter'). I can only assume they have the wrong person with the same name.

 

Is there anything important I need to add?

 

Thanks.

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dx100uk

dx100uk

Posted
Posted

check your cra file

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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random.internet.user

random.internet.user

Posted
  • Author
Posted

Ok my code fropm experian has come through today (I tried with the other 2 who do it instantly but for some reason, I failed their security checks :()

 

What should I be looking for?

 

The only credit agreements I apparently have is with Jacamo (I always pay them via debit card), shop direct finance company ltd (who?), Barclays Bank (my bank) and Studio.

 

They all say balance £0 and monthly payment £0 over 0 months except Jacamo which is monthly payment £5 over 0 months and all the status history codes are 0's, except Studio which is 0uuuuuuuuuuu (never ordered from them or requested a catalog, which I get anyway for some reason).

 

Does this mean that the letter must be about someone else and sent to me by mistake or have I overlooked something?

 

Thanks.

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dx100uk

dx100uk

Posted
Posted

time to wait for them to play their cards then

 

sleep tight

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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