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    • @BankFodderHi, sorry I meant 31st May.
    • A knighthood has been announced for Alan Bates. He's been very modest about it, says it's for all the SPMs.
    • Your title suggest that you bought the car on the 31st of June 2024 which is at least two weeks away even if there is such a date
    • Received the claimants Directions Questionnaire today.  Haven't had anything else through. N180_Redacted.pdf
    • Hi team, I should of really walked away when they said the vehicle had no v5 and I would have to complete v62. They only disclosed v62 form after all documents for finance was signed. However, I needed a vehicle as I was the only driver in my household and my sister was extremly ill and I had to take her to hospital appointments. I purchased a vehicle from big motoring world on the 31/06/24. After driving away the vehicle the very same day I could hear a very distinctive water sloshing noise come from the interior. I then decided to take the vehicle back to branch 15 mins after driving away. The manager came for a ride and said he could hear something but this issue was ‘minor’ and it was my psychologial thinking that made the issue even worse. Manager was very rude. I then took the vehicle home knowing full well it would give me nothing but grief. A day after the rear left tyre started losing air. I know they could say this was probably due to the driver however I believe the issue was present before purchasing vehicle. I called up Audi and my finance company and explained situation. Audi could accomodate me for the 13th for a diagnostic. Finance company told me to take to an independant garage and not BMW. Motonovo been helpful in this situation.  I took vehicle to Audi for a diagnostic. Unfortunantly, they done an Audicam and the technician somewhat resolved the issue without guidance from myself. No charge was applicable as this was a health check. However, I wanted the diagnostic. The car still has water inside. Audi are saying this is a common fault. However, I have no confidence in the vehicle. I have emailed bigassist with all my findings and commanded them to collect the vehicle. Audi shall also be sending me an email next week of the issues they discovered. This was issue pre exisitng. It is still below 30 days, can I still reject? Do i need to send a letter? I have been very direct to BMW that I no longer want the vehicle. please can we assist    
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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
      • 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
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HSBC OD issues


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I told experto credite that I would only communicate with them in writing they have already said that they are acting as agents for the HSBC. This week I received a letter from Alfred Truman solicitors who threatend court action court action. I did an internet search on these solicitors and discovered that they are in fact solicitors for experto credit, and not HSBC as they claimed. Now am I right when I say that as agents they cannot take me to court.

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They can take you to court acting as agents of HSBC.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Last Summer I CCA'd experto credite. They said it would take some time because the documents are in hong kong it did in fact take over 4 months. I did not hear anymore from them until friday when I got a nasty letter from their solicitors. Today I telephoned Experto and said that they can have £20.00 per month because my husband has been made redundant. I got this really rude guy on the end of the phone who lectured me on the fact I had not made an offer before and that £20.00 was not enough.

I tried to explain that it took them over 4 months to provide a credit agreement and when I said my husband was out of work he told me bluntly that it was not his problem. He now says it will probably go to court and that they will ask for a higher payment. Can they do this.

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Well, technically they can but in reality they probably won't. At the end of the day if it did go to court the judge would only order you to pay what you can reasonably afford to pay, taking into account all your other living expenses. This would likely add up to less than the £20 a month you've offered due to hubby's redundancy so they'd be shooting themselves in the foot if they did go the court route :)

 

You have verified that the CCA is complete I am assuming? Have you had the clever peeps on here take a look at it?

 

And my final word of advice, NEVER talk to these people on phone, keep everything in writing!!

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  • 6 months later...

Back in march I received a letter from Global debt recovery over an alleged HSBC debt. I CCA'd them and 2 weeks a go they sent me a copy of charges. I wrote back and told them that they had failed to respond to my legal request, I also told them that the legal limits had expired for supplying it, and also told them to stop processing my data. This morning I received a letter from them saying they had closed my file.

What I need to know is can anyone else now chase me for the alleged debt.

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Until they provide you with a vaild response to your cca then no but it does happen.

 

ida x

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