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    • I would also take this opportunity to add that I don't really understand why you purchased an insurance policy for this watch – unless it offered you something like new for old, accidental damage or that the policy was transferable to a new owner in the event you decided to sell the watch. If there is not the features that interested you then you are perfectly adequately covered by your consumer rights contained in the Consumer Rights Act 2015 and of course it would be unlawful for John Lewis to attempt to exclude or limit liability in case something happened to the watch and it ceased to be of satisfactory quality for a reasonable period of time. By and large these extended warranties are a waste of money
    • Sunak to new MPs at the Kings Speech debate. Rishi Sunak, in the king's speech debate, tells new MPs that "life comes at you fast" on the government benches. "Before you know it you end up with a bright future behind you and are left wondering whether you can credibly be an elder statesman at the age of 44," he adds.
    • Properly declared means that you declared the exact value of the item that you sent and by and large you are limited in the value that you can claim to that declared value.  It seems that you didn't declare the value of the accompanying insurance and so if you want, you can go ahead and claim it and we will help you but by and large although your chances of recovering the value of the watch are much better than 95%, The chances of you claiming the value of the lost insurance are much less.  It's up to you if you want to try . Please do the reading that we have advised and start preparing your letter of claim and post the draft here. I suggest that you think about posting up a draft letter of claim on about Sunday which will give you lots of time to do necessary reading  
    • The dealership is not the issue, the technician who I have known for a long time explained where the fault lies, the other garage for lack of a better word did a p**s  poor job of putting the brake pad on where the piston was not lined up correctly which caused uneven pressure on inner pad, the peg on rear of pad not sat ingrove of piston.
    • I Received a writ today from the sherif court there is form form 07 if intention to defend the solicitors are shoosmiths llp for Lowell portfolio    thanks please let me know your thoughts also much appreciated 
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    • 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
      • 162 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
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Offers of repayment

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I have recently contacted my creditors / their agents about 4 unsecured debts and 3 payday loans and await a response from most of them.


I have received a response from Credit Experto re a Barclacard debt of around £500 asking me to complete a budget planner / I&E statement.


I do not wish to provide this information to them but do I have to ???


Also is there a template letter I can use to politely decline their request for this information and refer them back to my proposal in my original letter.


I anticipate getting a few of these requests so I though I would be the ball rolling now.


I have managed to cancel all d/d's and redirect my salary to a new account and had requested standing order details to make payments to them. I have also canacelled the debit card used to make payments to some of them.


I know I have a long journey ahead of me, but having read a lot of information here, I feel positive that I can do this

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You dont have to give them this information but then they dont have to agree to a repayment plan.


If oyu refuse they will think you are hiding income and can afford to pay more it just the way they work, if you have nothing to hide then it may help your case to complete it but as I said above you are under no obligation if you dont want too.

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Now txt loans have started to email me back and have advise they cannot accept monthly payments of under £50. I have offered £10pm.


They have given me this breakdown of what they claim will be the total amount payable


Day 1 - you receive a loan of £300. A repayment reminder is sent before the loan term elapses.

Day 16 - We collect £351, however, if the funds are not available;

Day 17 - a 1st reminder is sent and a £25 administration fee is added and interest accrues at the rate of £3.40 per day until your loan is repaid in full. The loan totals £379.40.

Day 27 - a 2nd reminder is sent and a £25 administration fee is added and interest continues to accrue at the rate of £3.40 per day until your loan is repaid in full. The loan totals £438.40.

Day 61 - the loan totals £554.00 and is passed to our Collection Partner which incurs an additional £138.50 administration fee. The loan totals £692.50.


I have requested that they freeze all charges and interest forthwith and have said I will repay the full amount borrowed plus one months interest. I have read a lot about this on here.


Is there anything that I can quote them to reinforce that I only need to repay the loan and one months interest ??

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See if you can find the contract, unless it is specifically mentioned they can not charge for passing to a DCA . That goes for the reminder fees. I think everyone here will say that all you owe is £351 which is the principal +1 months interest. Stick to your guns of £10 per month

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Just thought I would post an update on my situation so others can take heart from it.


Result : Numerous emails went back and forward with TXT Loans and they have agreed £10 per month for 6 months repaying £351 ( capital borrowed + 1 months interest.) I agreed the 6 month review, but I guess in 6 months I will just say my situation has not changed and continue making £10 payments but still await bank details for standing order. A big reduction from the £692 they originally wanted as posted above.


Result : Experto Credito re MBNA agreed £10 per month within 3 hours of me emailing my I&E form. No further questions asked and gave bank details for standing order.


Result : Wescot DCA re Halifax agreed £10 per month from 1 letter. No questions asked. Bank details were provided.


Pending : MacKenzie Hall re Barcalybard. No contact since my recorded delivery letter 10 days ago. But texts, calls and emails have ceased. I have sent them a reminder !

Pending : Wage Day Advance. Email from them to say they are considering my offer. ( I offered £10 per month and asked if they would consider using some of the £700 I have already paid towards the capital borrowed ( £400 ). Maybe a bit cheeky but you dont get if you dont ask !


Pending : Swift Sterling. No contact at all since my email 5 days ago. I have emailed them back to ask them to acknowledge that the bank details I have for them ( obtained from here ) are correct and that I will commence £5 payments forthwith. - they are getting less because they ignored me !!!


maybe I have just been lucky but this seems to be going well.


My tips for others who are considering defaulting and negotiating :_


be honest.

remain polite and do not threaten them

quote facts only

take heart from this forum, read as much as you can and have belief


I did and I am more that half way there. I dont expect swift sterling to be so easy to deal with or possibly WDA but empowered with the information in this board, I am ready for them.


Take heart folks. It can be done.


Will keep you updated. :-D

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another result today :-)


letter back from Mackenzie Hall accepting £10 per month. Slow to respond but no further questions asked. They did set one condition though. I have to return the standing order mandate to them "by 12noon, 7 days from the date of this letter"


of course I will return it to them, but they didnt date their letter so im not sure when the 7 days lapse !!!


I found that quite amusing, but very shoddy from them.


Just WDA to respond and Swift Sterling to go :-D

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Hi congratulations on making progress with these companies hopefully sometime soon this worry will be gone from our lives. I have contacted WDA and they want me to fill in and income and expenditure spreadsheet and provide them with my bank statement from the last month. I am relucant to do this but may have to so I can get a repayment plan setup, have you filled in a form with them?any progress with an agreement? I have contacted swift sterling also by email but have heared nothing back at all.I will send another email to them tomorrow.

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I have had nothing back from WDA other than acknowledgment of my email but my account does not fall due until Friday. I guess they will step up a gear when their payments fail !


Everyone has their own opinion of sending in I&E deatails, but I will send one in if they request - but with the info that I want to provide them with.


I found it helps your cause and showns a willingness to co-operate in resolving the situation. I sent one in by email to another company and got an acceptance of my proposal within 3 hours !

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I personally would be wary of sending a standing order mandate back with my bank details on. Why not just ask them for the details and set up the standing order yourself via Internet banking?

"In this situation, you know what you have to do? Just keep swimming, swimming, swimming." Dory - Finding Nemo.:wink:

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OOooh ! An emailed reply from WDA


They want 2 things (intially i guess)


1. The reason why I can only pay £10 per month - eh, I'm skint cause of PDL interest rates !!!!


2. I MUST supply a number to communicate with - eh, no I dont actually - get your facts right.


I replied but obviously not using the terminology above !!!!!


I await their response with baited breath !!!!!

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OOooh ! An emailed reply from WDA


They want 2 things (intially i guess)


1. The reason why I can only pay £10 per month - eh, I'm skint cause of PDL interest rates !!!!

I'm guessing a I&E form would suffice to show your debts exceed your income.


How are you getting on? Any further progress?

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I've been sending a very basic one along with my repayment plans. Nothing detailed, I've not mentioned any companies names, just something like this:






Rent - £X

Council tax - £X

(any others eg, phone, tv, internet)






Name of company contacted - £X

A - £X

B - £X

C - £X



Total debt - £X

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Im confused !


Got a text from SS today saying they had collected my loand and I could now borrow again. Not sure how they did that as the account the collect from is closed and they dont know about my other accounts !!!!.


I wait in anticipation !

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lol, your right, it wont work. Im staying quiet on this one till they gat back to me though.


WDA still being arses though. Sent them my I&E but want more than my offer despite seeing that my dispoable income does not allow this.


there may be trouble ahead ...... :!:


Sad, but I am quite enjoying this now in the knowledge that I will get there eventually !

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WDA, had an arrangement with them, but as i was ill for half the month, only had half the wages, made a token payment , but they said no way jose and passed it straight over to DCA for collection, so they can wait now. Cooperate and get paid that's my theory on it all.

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