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


  • Tweets

  • Posts

  • 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 
      • 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
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.
Latest activity

Lloyds TSB/Robinson Way/Horwich Farrelly - Advice Please?

HardYards

By HardYards
in Debt Collection Agencies

 Share
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4475 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

HardYards

HardYards

Posted
Posted

Hi, guys,

 

 

Hope you're all well. I've not been on the site for a little while due to energy sapped dealing with another hefty DWP form,

but I'd really be grateful if anyone can advise on the latest, and hopefully last, dca conundrum (another situation I'm unfamiliar with).

 

As usual I've tried searching the forum but with the cca thing changing I can't quite get my head round what I should do next.:oops:

 

It's a Lloyds TSB debt (loan) that I cca'd for OH, when dca Apex was demanding. They never provided a CCA and the debt got sold on.

 

Now Robinson Way is demanding for the same debt and without being cca'd has provided an application form only, no agreement.

They are threatening doorstep visits and/or court with what looks like an in-house solicitor Horwich Farrelly (who use the same address as RobWay).

 

I have written saying the account is in dispute. Should I cca them anyway despite an application form already being provided? Or is it best to SAR Lloyds?

 

 

Many many thanks in advance & again apologies for not being able to give more of my time back to CAG. I will donate when I can.

 

 

Best to all,

H.xx

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

check his 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... 

Link to post
Share on other sites
HardYards

HardYards

Posted
  • Author
Posted

Thanks again for advice but Callcredit was fiddly and for some reason neither CC nor Experian would accept a perfectly working debit card.... will order by post

 

Cheers for your help:-)

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

Link to post
Share on other sites
  • 4 weeks later...
HardYards

HardYards

Posted
  • Author
Posted

Hi again,

 

Credit report rec'd today, can you tell me what I should look for? According to it the disputed debt was defaulted in 2007 and Lloyds still own it, Rob.Way appear to be in charge of threat-o-grams.

 

Also had letter from Horwich Farrelly 'sollicitors' (writing from Rob.Way address) instructing OH to request CCA from OC, perhaps this is first shot to be fired over the bow...?

 

Thank you again for all your help.

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

a fake/tame soliditor wanting you to cca the OC because they are obv not sure the debt is his?

 

two words!

 

when does the cra file you made the last payment?

 

thats the SB date clock start

 

dx

  • Confused 1

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... 

Link to post
Share on other sites
HardYards

HardYards

Posted
  • Author
Posted

Says default date is July 2007, even though the last payment made before account went into dispute was May 2011, which is not mentioned in report....

 

I'm going to have a search for more info on CRAs (I'm easily confused these days).

 

Thank you again.

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

so its had payment made on it

 

thatsa interesting

 

why is the credit file not showing payments made?

 

is that the case?

 

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... 

Link to post
Share on other sites
HardYards

HardYards

Posted
  • Author
Posted (edited)
so its had payment made on it

 

thatsa interesting

 

why is the credit file not showing payments made?

 

is that the case?

 

dx

 

It is. None of the items on the Experian credit report - this is my first experience of using one - show any payments whatsoever, even though token payments had been made every month like clockwork, until CCA requests not fulfilled, since 2007. (Originally paying on 11 accounts, 10 in dispute, only four of the disputed debts show on report.)

 

All but one give the same default date: 2007. The exception gives a default date of 2006.

 

Also shows OH being on mortgage for marital home, when his ex has taken him off (divorce finalised 2010).

 

Maybe a screw up on Experian's part?

Edited by Hwyl56
extra info

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

Link to post
Share on other sites
adenjago

adenjago

Posted
Posted
It is. None of the items on the Experian credit report - this is my first experience of using one - show any payments whatsoever, even though token payments had been made every month like clockwork, until CCA requests not fulfilled, since 2007. (Originally paying on 11 accounts, 10 in dispute, only four of the disputed debts show on report.)

 

All but one give the same default date: 2007. The exception gives a default date of 2006.

 

Also shows OH being on mortgage for marital home, when his ex has taken him off (divorce finalised 2010).

 

Maybe a screw up on Experian's part?

 

 

just my 5cent......check equfax as well...I had only been checking Experian which shows one default, but Equfax shows a CCJ listed from 2008 which I was not aware off, so the Experian report is different was a lot different than the equfax

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

and noodle too

 

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... 

Link to post
Share on other sites
HardYards

HardYards

Posted
  • Author
Posted
just my 5cent......check equfax as well...I had only been checking Experian which shows one default, but Equfax shows a CCJ listed from 2008 which I was not aware off, so the Experian report is different was a lot different than the equfax

 

Cheers, adenjago... will have to wait, haven't got energy to deal with it at mo'...

 

dx, what do you mean, please, by 'noodle'?

That the birds of worry and care fly above your head, this you cannot change. But that they build nests in your hair, this you can prevent. --- Chinese proverb

Link to post
Share on other sites
dx100uk

dx100uk

Posted
Posted

https://www.noddle.co.uk/signup?source=mgm

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... 

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...