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


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

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

      BankFodder posted a topic in Vehicle retailers and manufacturers,

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

      Picked By

      BankFodder,

    • 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.

      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 
        • Thanks
      • 81 replies
      BankFodder

      Picked By

      BankFodder,

    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

      WanTToMoveOn,

    • 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
        • Like
      BankFodder

      Picked By

      BankFodder,
    View All

  • Recommended Topics

Twitter X - Include the @company's twitter name in your post title – here's why…
The UK Stands With Ukraine - 'Slava Ukraini'
Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Black Horse - First Steps in sorting debts out

levirocks

By levirocks
in Black Horse

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4549 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

levirocks

levirocks

Posted
Posted

Hi Guys,

 

Buried my head in the sand for a long time but want to settle my debts now.

 

 

 

I have not paid anything for since 2008.

 

I have checked my credit report and this is what has happened.

 

I had a loan with Black Horse starting in 2005 for £1000.

 

I then took out another one with them in 2007 which paid off the rest off the old loan so thats settled.

 

Not sure how much this was for and cant remember to be honest. It says the start balance on it is £0?

 

I defaulted in April this year and not paying since 2008.

 

Dont think I have PPI on either on them as was clever enough to take it (Not clever enough to be an idiot and get in debt though!)

 

Where do I start with finding out how to pay it back, see what I owe, etc?

 

Any help would be appreciated!

Link to post
Share on other sites
jungle vip

jungle vip

Posted
Posted

If you haven't paid since 2008, has blackhorse not bombarded you with letters stating how much you owe ? Has it been passed to dca ? It might be wise to send them a SAR , that will get you all your statements from both accounts you had with them, its a standard £10 fee.

 

You may have quite a amount of charges added to the account over the years, when totalled up with interest may be enough to clear or substantially reduce the balance.

Link to post
Share on other sites
levirocks

levirocks

Posted
  • Author
Posted
If you haven't paid since 2008, has blackhorse not bombarded you with letters stating how much you owe ? Has it been passed to dca ? It might be wise to send them a SAR , that will get you all your statements from both accounts you had with them, its a standard £10 fee.

 

You may have quite a amount of charges added to the account over the years, when totalled up with interest may be enough to clear or substantially reduce the balance.

 

I get the odd letter. Not very often to be honest seen as I owe them. It has not been passed to a DCA. My last payment was in Jan 2009 and it defaulted in April this year.

Link to post
Share on other sites
jungle vip

jungle vip

Posted
Posted

do you think they might be charges on your account for late payment ? They will appear on your statement as " collection activity fee"

 

Secondly, if you are just wanting to clear the balance then set-up a payment schedule with them and pay what you can afford monthly, NOT what they say you must pay. It might be worth sending them a SAR to get your statements, this will determine if there is any PPI on there as well.

Link to post
Share on other sites
levirocks

levirocks

Posted
  • Author
Posted

I think there would be charges on there to be honest.

 

Thats great. Will send an SAR to them. Will they send me details of my old loan with them as well as the latest one or do I have two send two seperate ones?

 

Many Thanks.

Link to post
Share on other sites
jungle vip

jungle vip

Posted
Posted

Just one letter but put BOTH account numbers on, there is a template letter in the library on here, Fill it out and delete what is not applicable, send a cheque or postal order for £10 and send it recorded delivery so you have a receipt and proof of postage and it has to be signed for. You will receive in approx 2-3 weeks all your statements from both accounts and any other computer correspondence they have on you, You wont receive your original signed credit agreement though, the one you signed in order to apply for the loan, that has to be obtained separate via a CCA request and another quid.

Link to post
Share on other sites
jungle vip

jungle vip

Posted
Posted

SAR first, get all your statements, see what you owe, see what charges there is, put all charges on a easy spreadsheet in the library which automatically adds interest and go from there, Like i mentioned before it may clear the balance or substantially reduce it in order for you to pay it off.

Link to post
Share on other sites
 Share
Go to topic listing

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


Follow: @real_CAG

Navigation Links

Welcome
CAG Community Centre
CAG Library
Banks & Credit
Other financial Institutions
Retail
Non-Retail
Work & Social
PayDay and Short term Loans
Debt
Motoring
Legal

Latest

Our Picks


Help and Support

CAG Library
Questions about This Site
Change your notification sound
Change your profile picture - FREE!


Useful LInks

County Court Forms
MoneyClaim Online
CPR - Pre-Action Protocols
Civil Procedure Rules
UK Legislation
Youth Consumer Service

Reclaim the right Ltd

registered in the UK
reg.05783665
reg. office:-
262 Uxbridge Road, Hatch End
England
HA5 4HS

The Consumer Action Group

The National Consumer Service
×
×
  • Create New...