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    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
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    • 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 
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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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    • 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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Engage credit beaten for now!

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Hi there, we have been in the same situation as a lot of people who are dealing with Engage credit, we were with Future Mortgages who sold us on approx Nov 2010, did the usual thing with Engage we could only pay what we could afford due to my wife loosing job then only getting part time work etc, they said fine try to pay £300 our mortgage was at the time £570, we did this as best we could but were hit with more problems, told Engage of course they said fine. At that point we didn't know what type of company they are. In Sept 2011 we tried to sort things out by asking to go interest only and pay off the arrears, or capitalise, obviously they just flatly refused. The next thing we get told that they are takeing us to court as our arrears were £8.500. We had made an offer of the cmi plus £50 which was refused in Sept we paid it in Oct and Nov anyway and made part payment this month.


Today was our day in court (19/12/11) the possession order was thrown out completly, allowing no appeal or any cost as Engage had not followed protocol. They had stated on the court form that no offer had been made in the last 3 months which it had and we had made payments. This was picked up by the judge when he looked at recent letters from them and us, us making the offer and them refusing dated before they applied to the court. The judge saw this as basically trying to fool the court, and he wasn't pleased.


We were lucky we had all our documents with us and that he wanted to see them otherwise it would have been missed, The judge also said of one of their letters that it contained a joke as it says "we would like to make you aware that repossession of your property is the last course of action we would want to take" he said that obviously it was their first course of action.


This really has been a lucky escape for us just because we did our best to sort things out, and Engage were too keen on getting their pound of flesh, maybe some of you out there are in the same spot, please check all your letters ect, and take as much correspondence with you to court. They may have made the same mistake with you.


Engage are a xxxxxxxxxx dispicable company and treat people like xxxxxx.


I hope some of you may get the break you need

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Thanks, we will do, as the judge said you now have a very angry company on your hands, just to say we were given a lot of help from the local authority housing section and also we had invaluable help from Shelter Cymru, despite us being over the income threshold we had some brilliant advice from their solicitor. We would never have known about them but for the local council telling us, so I would advise people to do the same, if you can't afford a solicitor. Thanks also to this forum i've had some great advice and also just reading other peoples experiences has helped a lot


No doubt we will receive some more Bull S from Engage but for now we have a repreve. Best Xmas present ever.

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Well done, glad you got the help you needed to beat these eejits in court :) Hope you can now relax and enjoy Christmas in your home.

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  • 2 weeks later...

Hello! first I would like to say well done for your win in court. We went to court with Future before our account was 'sold' to Engage and managed to keep our house because of their incompetence. So far so good we are paying our full mortgage plus a little off the arrears every month. However, these interest rises due to an increase in the LIBOR rate has slowly been increasing the amount we have to pay over the last year and I worry that we are being taken for a ride as other people I know with mortgages have been static since the start of the credit crunch. If anyone out there understands this LIBOR rate I'd also appreciate some advice.

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Hello! first I would like to say well done for your win in court. We went to court with Future before our account was 'sold' to Engage and managed to keep our house because of their incompetence. So far so good we are paying our full mortgage plus a little off the arrears every month. However, these interest rises due to an increase in the LIBOR rate has slowly been increasing the amount we have to pay over the last year and I worry that we are being taken for a ride as other people I know with mortgages have been static since the start of the credit crunch. If anyone out there understands this LIBOR rate I'd also appreciate some advice.


LIBOR is the rate that banks lend for loans of high risk - the higher the risk to the bank, the higher the interest rate. (That is a very simple, basic explanation as it involves slightly more than that - but this is essentially what it comes down to if your mortgage/secured loan is linked to LIBOR and not the BoE rate. In times of financial stability the two rates are rarely more than a quarter of a percent apart, but the risk factors increase in recession periods and so the rate of LIBOR increases to protect the lenders from higher levels of default. BoE on the other hand, is virtually risk free lending and therefore the rate remains more constant.


To answer the question before yours: the rate of interest is indicated in your contract, so whoever 'owns' the loan can fluctuate the interest according to what is contained within the contract relating to interest. There is nothing untoward about this.

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