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    • Agree it is not a modification that needs to be disclosed to Insurers as changing the seats has not changed the risk.  
    • Frpm David Frost and Robert Jenrick: 'Conservatives must show we respect the votes in 2016 and 2019 and not give the Opposition the chance to undo the benefits of leaving the EU'   Sweep away the Brexit gloom – or Labour will unravel a huge gain ARCHIVE.PH archived 22 Apr 2024 05:47:50 UTC  
    • Please please help we were miss sold full fibre by EE July 22  Install couldn’t go ahead no equipment sent and no. Survey it was hell  foind out no full fibre in road so we had to go back to cooper no choice we involved. Ceo and they put in a man from customer resolution s  he was vile he told me I had to go to engineers  something very odd about the ex resolution s in bt basically they took my drive up said they Would put ducting in ready for full fibre we have got £ 40 for a hours upon hours phones stress and more told to go to ombudsman  then bill was £35 we called twice told it was that price as they had treated us appalling two weeks later all sky package gets pulled we call again our bill goes to 165 the next two weeks was hell trying to get yo bottom why it’s off our package it was all on in the end I spent a day on the phone  341 mins was the call anyway I got to the bottom it was this resolution man coveting up the other issue another deadlock  to cover it all up  they hide data  ee did so couldn’t get the miss sell in writing I have now only from sept  Basically now we tried getting full fibre and they have found my drive had to be taken up again which has sunk .  The engineer has placed the wrong ducting again under my drive and need s to be taken to again apparently and the pipe sticks up middle of the drive near gate not behind look so odd it’s a big as a drain pipe open to water and it’s below touching the electrical cables to hot tub . I was sent a letter from the ex resolution to say I had stopped the work  I haven’t  it’s so sadistic she covering up for her mate in that team as the orginal install he didn’t check it had been done correctly  I took to Twitter and posted on open reach they ignored me then after 3 calls of two weeks they sent a engineer bt ignored me ceo emails blocked tag on Twitter unanswered then we get someone from twitter send a engineer he written report to say it’s dangerous since we have  had a  letter to say our problem can not be resolved  then a email to say sorry we are leaving and we can’t get into our account Bt will not talk to us ofcom tells us nothing they can do Citzens advice said go to the police  we can’t go back to virgin due so mass issue with them only option is sky  but point is they make out we have canceled we haven’t we have this mess on our drive dangeous work we are in hell  it’s like she covering up for this collegue it’s all very odd I am disabled and they like played mentaly with me open reach say bt resolved the issue no they have not  I recon they have terminated us making our we have  to hide it from mgt  Help it’s hell I don’t sleep we have 29 may we have tried  calling they just ignore me  at first they are so lovely as they say I am then they go to nnamager and say we can’t say anything to you end call  Scared police are rubbish I need help even typing is so painfull  Thankyou  anyone hello be so grateful     
    • There's a thread somewhere about someone sending the baillifs against Wizzair that is quite hilarious. I would love to see someone do the same to Ryanair. Question is, should you be the one to take that role. You are entitled to the £220, if your flight was from the UK. If it was TO the UK I suppose it is more of a grey area... though the airlines I know have been using £220 as standard. Not that surprising for Ryanair, the worst cheapskates in the universe, to go for the lower amount, and if you forward this to the CEO he will probably have a jolly good laugh and give his accountants a verbal bonus. After all he's the one who said and I paraphrase "F*** our customers, they'll fly with us again anyway". While we would all love to see Ryanair get wooped in court again, I have to join my fellow posters in thinking it's not worth the hassle for (hypothetically) £7 and not sure it will expedite the payment either. It's already an achievement that you got them to accept to pay.
    • The US competition watchdog has taken legal action to stop Tapestry's $8.5bn takeover of rival Capri.View the full article
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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.
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      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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hello this is my first time in posting here so i hope i have posted in the right place..

 

i took out a loan with payday uk and it spirelled out of control,i emailed them asking to set up a payment plan as i could not afford to pay it all in one go,they excepted straight away..the first payment was not taken they told me it failed. i then had a payment go in from tax credit and as my circumstances had changed was due a over payment i didnt know about this untill after the payment went into my account,anyway in the mean time payday took every penny they left me and my 3 children with nothing this money would have come in very handy as i am struggling to pay rent this month..i have told them this but they have told me as i have signed the aggrement they can take payments how they like they took it in installments within the space of a few hours..is there anything i can do now as i have no money and am at a loss if anyone could help i would be most grateful...

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Go to your bank and demand a chargeback. If you used a visa card, then read http://whatconsumer.co.uk/visa-debit-chargeback/

 

 

Unfortunatley, you are in for a rough ride, as banks seem to think they are above the law in this area. You will need to create a parachute account with a completely different banking group to safeguard your income. You also need to be complaining to the PDL, as well as your bank and OFT.

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 also find it curious that their parent companies credit license doesnt seem to exist.

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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thank you for the reply i have complained to payday uk but they just kept saying that as i had signed a aggrement they can take as much as they like but the amount they said they took does not add up they said they took £900 when there was only £600 in the account and that my account with them is now cleared but blocked..off to my bank later to see what they will do had a look at the link you gave me but its all about claiming back if you have bought goods nothing to do with loans

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Their agreement isnt enforceable under law.

 

The link i gave is still valid. It covers anything paid for by visa card. There are better links with more info, but you are still entitled to a chargeback because your details were used fraudulently.

 

Also, NEVER talk to them on the phone. Ever. For any reason. keep everything in writing, so you have a complete paper trail. Otherwise the PDL will simply turn round and say that you agreed they could take the full amount.

 

Regardless, get the chargeback started and get a new bank account with a different banking group. Also, you MUST file complaints with the PDL/OFT and bank. If you don't, then theres no point you being on this forum.

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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ok thanks will re read it now..but does it matter now if their agreement is enforceable or not now as they have taken the money and shut my account..sorry to be such a pain am just worried sick now as i have to try and find a lot of money in a few short days..

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PDL's always say their terms and conditions are enforceable, yet CAG has proven time and time again that they aren't. Calm down, and go talk to your bank. Tell them the money was fraudulently taken, and you want a chargeback issued. If you have proof, take it with you.

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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Im currently in the process of drawing up a repayment plan to my creditors, one of who is PayDayUK, or Purple loans, whoever they are!!! I had one of their delightful assistants contact me last week after I defaulted payment, basically trying to bully me into paying. Suffice to say I warned him of the protection of harassment act 1997, put the phone down, and they haven't tried to ring me since!

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hi had a reply from payday uk asking me to prove that the money that was taken was from benefits and that they would then look into it and maybe refund the money (cant see it) also bank said it was not taken fraudulently as i had signed the agreement for them to take the payment now i am just hoping that payday uk has a heart and does look into this for me...

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Your bank is wrong. If the money that was taken was benefits then they are legally obliged to return it. Name and shame the bank.

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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thank you all for the reply's had a e mail off payday uk asking for my bank statement showing my tax credits going in so sent this but removed all my personal details as i have 2 accounts and put money into the other account for bills i did not want them having this account number as i am worried they will take money from there...they have since emailed me saying they want a full statement showing the money going in and where they took the money should i send this???also have a appointment with my bank manager this week so going to speak to him about this fingers crossed he will be more in the know with getting my money back

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Shouldnt have sent them. They have no reason or right to see them. But at least you removed info.

 

As for their request, do not send it. All they need is a copy of the transaction. Nothing else.

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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