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    • Just to clarify then, should the reason I am disputing the debt be that they have not supplied all the relevant paperwork (CCA) and the debt is therefore unenforcable?
    • https://www.consumeractiongroup.co.uk/topic/406231-the-pre-action-protocol-for-debt-claims-is-made-by-the-master-of-the-rolls-as-head-of-civil-justice-1st-oct-2017/#comment-5145126  
    • Quick update. I've now recieved a letter before action from them with a PAP form to return enclosed, still no credit agreement however. I assume just a case of following the PAP thread and returning form with no CCA as the reason?
    • Thanks for coming back and letting us know. Obviously we totally disagree with their decision.  Their remortgaging could only have gone wrong if they had ended up with a CCJ.  And how do you get a CCJ?  If you lose in court and then defy the court and don't pay.  Even if you lose in court, you don't get a CCJ as long as you pay within the 30 days ordered by the court.  Even had they lost in court the judge would have disallowed the interest and the £70 Unicorn Food Tax that PE made up.  There was no advantage whatsoever for giving in and paying now. But thanks to you for letting us know - a hell of a lot of users don't.
    • Hi everyone.   Before I say anything, TFL finally responded to the email I sent last week:   Thank you for your email, we acknowledge the signed documents you have returned in preparation for your hearing.   We note that this matter is causing you some stress and anxiety, however this is not a reason for TfL to discontinue proceedings. It is not unusual for passengers that have been summonsed to court to experience these symptoms, and we do have some empathy with your concerns.   However, as previously stated, TfL do not accept out of court settlements, and you will have the opportunity at your hearing, to provide your mitigation to the court prior to a decision being reached by them on how they intend to deal with this matter (usually a fine).   I am sorry that this decision is not more favourable.   Yours sincerely   James Vallis     At least he sounds more sympathetic in this email…   Only one week to go until the court hearing and I am so so nervous. I’ve prepared some questions and answers in preparation for what to say to the magistrate. It will help calm me down if I know roughly what to expect. If you could give feedback on it that would be great. If you have anything to add please do let me know.   As far as I know the court hearing will happen in these stages: Introduction and statement of facts Pleading guilty for the journeys I made with my mother’s card Penalty sentencing Appeal (if charged with a criminal record)   Am I guilty? Yes.   Why did I not pay the fare legally? Last year there was a lot going on in my life and I was struggling financially so to relieve some of this I used my mother’s Oyster card. I know it’s not an excuse and it’s still wrong.   Why do I not accept a criminal record? I really don’t want it to affect my chances of finding a job in the future. I will be the one earning money in my family so I am doing my best and studying hard to be able to get a good job. A criminal record would mean that regardless of how hard I’m working I won’t get the job I want after I graduate. This fills me with so much regret, sadness and disappointment in myself. I just want to be a good daughter for my mother because she’s already had to deal with many hardships in her life and I don’t want to make it any harder for her.
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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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Please help, Lots of problems with Perfect home, initially bought a Ps3 and spent 3 months rectifiying the salespersons mistakes, only to be dragged into another contract for a new tv, endless promises which went unfulfilled, after only having the tv for 2 weeks, we were offered a new property and decided to move, in the middle of moving my diasbled son was hospitalised and everything else went out of my head, so I did not get chance to contact anyone to say I had moved let alone PH, I was at home in between coming back from the hospital to get some more things for my son and to freshen up after being back and forward to the hospital for the last 3 weeks, There was a knock on the door to which my partner answered only for it to be the Finance team from perfect home to collect the goods, on calling the store I was informed that if I came into the store and paid the 3 weeks outstanding then the situation would be resolved, so I told the finance team at the door this and was informed that was not good enough and they either came in to get the goods or the police would be called and it would be taken anyway, when asked why I had just agreed this with the person instore and then told that wasnt the case, I asked why not and was informed that this person was the store manager and they wanted the goods back, as I had commited fraud and obtained goods by deceit, even after offeeing to show all of the paperwork from my son being in hospitall I was informed listen love you can do this the easy way or the hard way, so when I asked him to explain what he meant, I was told, we have called the police and they will gain access anyway, so instead of embarressing myself in front of my neighbours anymore to just go and get the item before the police came, with this I said I would wait for the police and explain the situation to them, I then returned inside and closed the door, only for the manager to call my phone from outside the door and be told that it was coming out the house either the easy wayo r the hard way, if I wanted the hard way that was fine and they would await the police, whilst waiting for the police to arrive, the manager continued to bang and shout through my front door, even though I had already been out and siad that I would await the police, this was continues for the next 1 and a half hours, to which the police then arrived, as soon as they arrived I went out to speak to the officers and was told by the store manager that they didnt care about my excuses even tough I had offered to pay the outstanding 3 weeks payment to them there and then or to go into the store in the morning, I was called a liar and a thief,the police then said that they were well within thier rights ot do this and to just let them take the tv??, where do I stand on this matter as I am very still shaking form this ordeal and was more than courtious to both the manager and the police as well as already being traeted badly in the past and having to rectify problemd caused by them in the past.

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Hi vicandray,

 

Please don't take the unhelpful post above to heart. PH do not have the right to enter your home and neither do the Police have the right to get involved in the matter. You have very good grounds to make a complaint.

 

I'm sure someone will be along soon who can point you in the right direction.

 

Hope your son is ok now.

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Hi vicandray,

 

We are really sorry to hear of all the problems you have experienced.

 

We would like to investigate this for you ASAP.

 

Please could you send an email with your full name, address, contact number and a brief explanation of what has happened to our Customer Service team at cs @ perfecthomestores.co.uk? (without spaces)

 

They are keeping an eye out for your email and will try to resolve this for you.

 

Sorry again, vicandray.

 

PerfectHome

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  • 2 weeks later...

We would like to investigate this for you ASAP.

 

How can uberagency investigate this when they are only an agent for Perfecthomes and simply refer compainants to PH customer services ?

 

Vicandray....please keeepyour thread updated.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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