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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
      • 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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Do I Have To Pay Deceased Dads Debts ****Resolved****


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Hi

I have been told that I am liable for any monies owing by my Dad to Thames Water. Insurance policies did not even cover funeral costs so where do I go from here? As I informed them of his death, they have taken my details and sent me the bill in my name. Any help please on where I stand legally would be greatly appreciated.

 

Thankyou

Debgirl

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I dont think you are responsible for your father's debts.

 

Are you living in the property that the water bill was invoiced to when your father was alive?

 

I will try and find someone who will be able to advise ..

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No I am not living in the property citizenB. It was council owned.

 

Excellent.

 

Site team are aware of your query.. someone will be with you as soon as they can.

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

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3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I'm fairly sure that isn't the case. I think because you've informed them, they think that you can pay the bill. Debt's aren't transferable from individual to individual to the best of my knowledge.

 

But first you need to contact them again, and ask them how and why they think they can transfer the debt.

 

http://www.direct.gov.uk/en/moneytaxandbenefits/managingdebt/debtsandarrears/dg_10013093

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Much appreciated :-)

 

Hi. I have recently lost my Dad too, so I send my thoughts and prayers to you. It's a difficult enough time without added hassle.

 

My Dad died and left no will, only a small insurance policy (not enough to cover funeral). I informed all parties immediately of his passing. DWP paid a couple of payments into his and mums acct. then asked for her to pay it back. I was told on here that mum didn't have to repay it as it was in Dads name and it went towards the funeral. I wrote them a letter and mum got a call saying she would not be asked to repay it again as it was illegal for them to do so.

 

If your dad left no assets (house is mortgaged so I am not sure who this will affect you) then you don't have to find the water bill. Like I said, I am not sure on the house transfer so someone else will be along shortly to deal with that for you.

 

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rebel11

Thanks for that :-)

I will phone them again and see what they have to say?

It has taken 3 calls already just to get a final balance, as they repeatedly sent estimated bills:mad2:

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Just explain to them that your father died intestate - and that you are NOT responsible for his bills. You want to know under what right/authority they can simply transfer the bill into your name and expect it to be paid.

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Uploading documents to CAG ** Instructions **

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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The Estate is liable for the deceased debts. Priority debts take precedence & Utilities are not priority debts, if there are insufficient funds from the Estate then that's the end of the story. Executors or relatives are not liable for them.

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This is happening a lot most of the water suppliers

seem to be under the illusion that their accounts are

priority debts, I think there have been some complaints

to OFFWat regarding this tactic, which is not only unfair

but very distressing for realtives.

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when my mum died, and she left me the house, I just had to furnish the credit card companies with a death certificate copy, and the bank with a copy, and they wrote the debts off.

I know it is hard to do, when you are grieving, but I had to stop them taking my mum's savings to pay the credit card. Right of appropriation, as I said my mum had the monies put aside for her funeral..... Good luck

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Thanks BRIGADIER2JCS

Maybe I should get on to OFFWAT too?

Just seems astonishing that they seem to think they can get away with it. There are probably lots of people out there that just pay it, thinking they haven't a choice or not in the right frame of mind to deal with it.

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Lost dad last year, its pants ain't it? You do not have to pay his debts. End of. Actually, I'm surprised the local authority hasn't dealt with this in the void process on the Council house. (getting it ready for relet).

 

I would put in writing to the water company how it is, and don't forget to let them know how much they have distressed you at this difficult time.

 

Chin up, it can't get much worse ay?

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Well done - please keep us updated :)

 

One less stress for you to deal with at such a sad time.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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