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    • Hi all. Apologies for the delay. I was writing the timeline out, taking a while as I was checking everything against emails etc… then suddenly today the parcel started tracking again and appears to be magically found and back enroute.    I’ll post up the tracking info screenshots in a sec which kinda summarises the timeline - during the multiple “Enquiry Raised” events there was a lot of emails (most of which were ignored by Evri) before they finally admitted it was lost. And yet now it is back enroute. Utterly unbelievable 🤦🏻‍♂️ So no letter before claim has been drafted just yet…
    • You can SAR them again, to check.   If: a) they dealt with it as a complaint, b) stated that their response was a final response, c) noted that you could escalate it to FOS (and had 6 months in which to do so), and d) Didn’t say “we will waive our right to have to grant permission after 6 months”  Them : you can still take it to FOS but FOS would have to obtain their permission to review it outside of the 6 months (and that seems unlikely)  https://www.financial-ombudsman.org.uk/businesses/resolving-complaint/before-get-involved#:~:text=These time limits are%3A,they had cause to complain)  
    • I just checked the last email from them that I printed out.  It was directing me to a link to files as part of a data SAR (which I never called my request; they did). The email says the link would expire in 3 months.  Now my computer crashed later in 19.  I lost a lot of info. I need to check storage for old hard-drives to see if I downloaded and saved whatever info was in the link.   I have 1 other printed out email from my friend who was a broker. It was dated apx 6w after my first email to broker.  Friend was telling me what to include in a letter to compliance dept.  I don't have a printed copy of my letter - so can't remember if was entitled formal complaint - or their reply.   Will check storage later.  If I have anything useful I will post
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    • If you are buying a used car – you need to read this survival guide.
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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 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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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TV title exasperating phone call.jpg

London payday loan company, QuickQuid, records all its phone calls – but they objected when I said I was recording the call too.

I was trying to complain that someone pretending to be me had borrowed £400 from them at 5,200% APR interest - and that I was not responsible for paying back the loan, as QuickQuid was demanding.

Hear what happened:

Edited by BankFodder
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Brilliant. Thanks.

 

I had the same scenario with Lloyds a few years ago where the woman said that she wouldn't continue the call if I was recording it.

 

British Gas threatened me over the phone after I revealed that I had recorded evidence against them.

 

Best not to give warnings - you don't have to. Just record your calls - always. Always.

 

Any organisation which is worried about having its calls recorded by its customers is not the kind of organisation you should want to do business with.

 

Always record your calls.

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London payday loan company, QuickQuid, records all its phone calls – but they objected when I said I was recording the call too.

 

I was trying to complain that someone pretending to be me had borrowed £400 from them at 5,200% APR interest - and that I was not responsible for paying back the loan, as QuickQuid was demanding.

 

As a newbie here I have sadly not been allowed to post a link, but you can hear the phone conversation on my YouTube channel at EyesEars.com

 

The video is called, "My exasperating phone call with QuickQuid"

 

My exasperating phone call with QuickQuid.jpg

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I did the same once! You can almost predict the conversation from the point you say you are recording!

Or the hilarious change of tone when you mention it! If you stick to the point then these conversations can go round and round in circles for hours!

 

Had one with BT (India) last year, funny bit is when they ask at the end if you are happy and if problem resolved when it clearly isn`t!!!:madgrin:

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Oooh, burn! Nice to see someone play them at their own game. I hope this situation is resolved quickly and to your satisfaction, Jon.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Oooh, burn! Nice to see someone play them at their own game. I hope this situation is resolved quickly and to your satisfaction, Jon.

 

Thanks LaughingGirl. Yes, I won in the end. QuickQuid were quick quitters after I fought back, which is often the case when you challenge the bluff of bullies. My view was that QuickQuid had to prove to me that I owed them money, and not that I had to prove to them that I didn’t.

 

See my other thread, "QuickQuid: My payday moan" to see how the story ended.

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Excellent, it is lovely to get them stuck on their 'script' and make them look silly.

 

I had similar with a UK company (Mucky Hall) who wanted my licence no as I was recording, I told them I did not need a licence.

 

If anyone phones me up from a DCA or other company I don't know I tell them before we go through security that the call is being recorded, usually sends them packing.

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I won in the end. QuickQuid were quick quitters after I fought back, which is often the case when you challenge the bluff of bullies. My view was that QuickQuid had to prove to me that I owed them money, and not that I had to prove to them that I didn’t.

 

 

See my other thread, "QuickQuid: My payday moan" to see how the story ended.

http://www.consumeractiongroup.co.uk/forum/showthread.php?340704-QuickQuid-My-PayDay-Moan&p=3743131#post3743131

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Thanks LaughingGirl. Yes, I won in the end. QuickQuid were quick quitters after I fought back, which is often the case when you challenge the bluff of bullies. My view was that QuickQuid had to prove to me that I owed them money, and not that I had to prove to them that I didn’t.

 

See my other thread, "QuickQuid: My payday moan" to see how the story ended.

 

Delighted to hear that, and well done to you. I really hope, though, that QQ also address the issue of allowing loans to be paid into third party accounts - what a shocker.

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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Brilliant. Thanks. Any organisation which is worried about having its calls recorded by its customers is not the kind of organisation you should want to do business with.

 

Always record your calls.

 

I agree, if they can record, so can we. I should add that I only record phone calls with businesses - not with friends. :) I don't want my friends to stop phoning me!

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If these people are working on behalf of UK companies and dealing with UK citizens, then they need to know UK laws and regulations. Nice one Jon :thumb:

 

Thank you Seanamarts.

 

A lot of consumers are unfamiliar with the UK law about recording phone calls, as are companies. Businesses often announce that “calls may be recorded”, but when I tell them that I took that as permission for me to record the call as well, they often get shirty. Actually, the Regulation of Investigatory Powers Act 2000 allows consumers to record their phone calls, without any prior announcement or permission, so long as the recording is used for their own personal purposes and not passed on to any third party without permission.

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If you tell them you are recording, can you then pass onto a third party???

 

Or publish on facebook???

 

I am not 100% sure. However, in the case of QuickQuid, they clearly announce at the beginning of every call, "For quality assurance purposes, this call may be monitored or recorded." I have taken that to mean 1) That I may also record the call and 2) that I can also have the call monitored for quality assurance purposes; in this case, monitored by all the readers of Consumer Action Group and my viewers on YouTube. How's that for logic? In any event, it's the logic I used to conclude that it was alright to broadcast that phone call on YouTube.

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There's an interesting article just published in 'This is money' about another victim of QuickQuid's slack vetting procedures. TONY HETHERINGTON: Dodgy 'debt' demands of US payday loan firm

 

Mr Hetherington's conclusion: "The blunt fact is that QuickQuid seems content to ignore British law."

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The OFT need to immediately revoke any PDL company licence which has an offshore parent company. This would send a clear message to the murky market - you need a UK office to operate here and UK based staff or else you don't get a licence.

 

Many of QQs 'staff' are on high commission retainers, at one point they used an Irish call centre operation and then moved onto Canada, Canada turfed them out quickly (wish we had Canadian laws on PDL companies here....) and now I'm not sure where their 'base' is. Its been about four years since I last had any dealings with them directly myself.

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The OFT need to immediately revoke any PDL company licence which has an offshore parent company. This would send a clear message to the murky market - you need a UK office to operate here and UK based staff or else you don't get a licence.

.

 

I agree. At the very least, a loan company needs to have a proper presence in this country to be able to operate here. Every call I tried to make to QuickQuid London was automatically routed to the USA - and to members of staff who often appeared to know little about our financial regulations or procedures.

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I think that is one plan that needs to go to the 'powers that be'.

 

Another one is 'one company one licence' to stop them using multiple trading names on their licences. Any company with more than one name needs more than one licence. And these comanies need to be properly staffed, not one man bands.

 

If they have a debt collecting company it should have its own debt collecting licence, and not go under a 'general' licence.

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There's an interesting article just published in 'This is money' about another victim of QuickQuid's slack vetting procedures. TONY HETHERINGTON: Dodgy 'debt' demands of US payday loan firm

 

Mr Hetherington's conclusion: "The blunt fact is that QuickQuid seems content to ignore British law."

 

From the article you linked to:

The demand letter your wife received fails to show the company’s real name or registration number. Maybe they can do this in Delaware or Chicago, but in Britain this is an offence.

After some to-ing and fro-ing, even the OFT told me: ‘Businesses should comply with the Business Names Act. Failure to do so may be relevant when assessing fitness to hold or retain a consumer credit licence.

QuickQuid’s licence expires in July. If it applies for renewal, I hope the OFT will bear in mind the way the company has treated your wife and its disregard for laws saying companies must identify themselves.

 

 

Read more: http://www.thisismoney.co.uk/money/experts/article-2109762/TONY-HETHERINGTON-Dodgy-debt-demands-US-payday-loan-firm.html#ixzz1o912y8x9

 

Only 'may' be relevant? If QQ are committing an offence, it is not remedied by the time their licence is up for renewal and that renewal is subsequently granted, I will officially lose all faith in the OFT. Businesses like this must love the UK - it seems like we'll lie down for anything.

 

Actually, to hell with the renewal - if they are demonstrably committing an offence, why aren't they being prosecuted?

"Then they came for me--and there was no one left to speak for me". Martin Niemöller

 

"A vital ingredient of success is not knowing that what you're attempting can't be done. A person ignorant of the possibility of failure can be a half-brick in the path of the bicycle of history". - Terry Pratchett

 

If I've been helpful, please click my star. :oops:

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I had the same with QQ she was making all sorts of demands and threats so i just let her know i had been recording the call (i know i don't have to but i wanted to get her reaction and change in attitude)

 

Lets just say she kicked off big time, insisted it's illegal as she didn't give permission even though i stated i don't need her permission when recording for personal use.

 

I found it funny.

 

She didn't

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