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    • wont go near it with a barge pole as its ex gov't debt.  
    • Thanks, I've had my fill of this lot. What makes me so mad is that I had to take out student loan to get any DHSS help. And then when I tried to help myself and family they presented obstacles. Might be worth passing story to RIP off Britain?
    • there is NO exposure if you simple remove your name address/ref numbers etc from docs, over 10'000 pdf uploads are here. which then harvests IP addresses off of the people that then do so..which is why we do not allow hosting sites. read our rules and upload carefully thats exactly why we say capture as JPG, redact, then convert/merge to one mass PDF. then online sites to achieve that we list do not leave watermarks.  every once in a while we have a user like you that thinks they know better...we've been doing it since 2006 with not one security issue. thank you.
    • was at the time you ticked it  but now they've still not complied . if you read up, here , you'll see thats what everyone does,  
    • no they never allow the age related get out, erudio are masters at faking supposed 'arrears' fees which were levied before said date and thus null its write off. 1000's of threads here on them!! scammers untied that lot. i can almost guarantee they'll state it's not SB'd too re above, but just ignore them once sent. dx    
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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 
      • 81 replies
    • 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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uncle buck took too much money and cant get it back!


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I was supposed to repay a loan amount of £195 made up of £150 + 45 interest. I rolled over the loan and paid the £45 fee as requested on 27th April to be paid on 25th May. On 11th May they helped themselves to £377 out of my account saying thats what i owed them!! I have spoken to them since and they just said 'well we have the money now' and were not wlling to repay any of the money. The bank wont refund it as i have had dealings with the company. I told the bank that I would go to the police and they just said well we will add the crime number to the file and you would have to appeal in writing. Surely they cannot just ignore this theft?? What should I do?? Please help.

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Even if it is theft, you still need to write the complaint so they can investigate. Write to the PDL and request a full refund, and also go to the police, get a crime number and then contact your bank.

 

If you have used a visa debit card, simply call your bank and ask to speak to the visa chargeback team and let them know that the transaction was never authorised. Give them the crime number to prove it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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hi and thanks. the bank is Santander. I have made a complaint to both the company and the Bank. Uncle buck were just dismissive and not interested. I requested that the bank do a charge back and the said as I have a relationship with uncle buck they cannot do charge back.

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Yes they can. Speak to a manager not a front line rep.

 

You can get the banks fraud team involved, so get a crime number from the police. Also get as much proof as you can to back up what you say.

 

So if you have an agreement for a certain amount inw riting, and on a certain date, but they debited otherwise, include a copy to the fraud team. If it is a visa card, then have a read through : http://whatconsumer.co.uk/visa-debit-chargeback/

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Get a crime number and they have to investigate it immediatley.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I said I would do that and they just said they would log it on file, wont make any difference they would deal with it in the same way. They have an answer for everything.

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They cant just log it. They must investigate. As i asked before, what type of card was it?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Then get it to the visa team. Not the regular bank drones. Give the visa team the crime number and tell them to refund it asap as the police are now involved.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Santander seem too be very complaciant in this lately, My partner applied for a loan online which asked for her card details to "Verify" her ID.... next thing I know, £69.99 been taken from her account !! She called the bank and said she had not authorised any payment, and there is no mention of any payment of any kind to the in the t&c's or the page !

 

The bank .. Santander, tried saying because she had given her card number it was tough.

 

After hours of arguing the did eventually refund it and cancel the card !

 

You would think it was the banks OWN money and not YOURS !

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