Jump to content


  • Tweets

  • Posts

    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
    • A 'violent left wing mob', comprised of a chap in a red hoody with a damp polystyrene coffee cup and a bit of wet cement, gets nowhere near cowering frightened farage some distance away on top of his double decker bus .. as farages security and support seem to film the incident grinning     Farage bravely flinches, grimaces and seems to almost burst into tears as the 'objects managed to travel a part of the way toward his position on top of his bus. His reactions honed by having a bit of milk splash him at a prior incident allow him to swiftly fall into a protective cower and grimace .. .. Sometime after, once the mob of 1 had been safely bundled away, farage apparently wipes his eyes of tears, and rising from his cowed and frightened pose, bravely shouts “I will not be bullied or cowed by a violent left-wing mob who hate our country.” .. however few they may comprise of.   https://www.independent.co.uk/news/uk/crime/nigel-farage-cement-barnsley-reform-uk-b2560501.html  
    • According to Parkopedia parking is limited to two hours.  I don't know how accurate this is though. What were you doing there for four hours?
    • no its friday 21st by 4pm if you'd done it properly and read the sticky in post 2 it clearly says: ^^^^^ NOTE : WHEN CALCULATING THE TIMELINE - PLEASE REMEMBER THAT THE DATE ON THE CLAIMFORM IS ONE IN THE COUNT [example: Issue date 01.03.2014 + 19 days (5 days for service + 14 days to acknowledge) = 19.03.2014 + 14 days to submit defence = 02.04.2014] = 33 days in total Date of issue XX + 19 days ( 5 day for service + 14 days to acknowledge) = XX + 14 days to submit defence = XX (33 days in total)  if your defence filing date falls on a W/End, you must file by friday @4PM  
    • Have had a read up just to double check last day to file defence is 24 June (claim form date is 22 May)
  • Recommended Topics

  • 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
        • Like
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3863 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • 2 weeks later...
  • Replies 421
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

UPDATE ..sent blair oliver etc an account is dispute letter on 16th sept ...they still totally ingnored it and today i receive a threatogram headed notice of intend court action ..im still awaiting a CCA request since march ...what shall i do nxt?? i thinking that if i write again will it get ignored again ..?? i stopped paying my token payment when they defaulted on the CCA request ..to be honest i wish they wud take me to court and let a judge ask me what i can afford..at least then ill get them twats of me back :)

Link to post
Share on other sites

hi

 

i CCA blair oliver and scott in march 08,heard nothing till last wk which was a usual threatogram...i received another yesday saying notice of intended action ..today i received a letter from iqor chasing the same debt ,,,ive still had no response to my CCA request and sent BO and S an account in dispute letter on the 15th september ..do i now send iqor a CCA request ..?

 

cheera :)

Link to post
Share on other sites

hi

 

i CCA blair oliver and scott in march 08,heard nothing till last wk which was a usual threatogram...i received another yesday saying notice of intended action ..today i received a letter from iqor chasing the same debt ,,,ive still had no response to my CCA request and sent BO and S an account in dispute letter on the 15th september ..do i now send iqor a CCA request ..?

 

cheera :)

 

Hi if you have a copy of the letter then send an account in dispute as of (date CCA request received by BOS plus the 12 working days), please see enclosed copy of CCA request sent to BOS without any response etc.

 

dpick

Link to post
Share on other sites

thanks dpick..ive typed out me account in dispute letter ..will add the pls find enclosed bit at the end of it..im gonna send the cca request letter with the proof of postage as well to them :)

 

hi helmetfire,,lol at your comment,,yeh its strange but as we know from CAG its happening all the time ..ive not even had a deed of assignment from halifax/blair oliver scott,,im thinking they dont have an agreement ,,im sure i didnt sign anything back in 2001 ..i think it was all done over the phone

Link to post
Share on other sites

thanks dpick..ive typed out me account in dispute letter ..will add the pls find enclosed bit at the end of it..im gonna send the cca request letter with the proof of postage as well to them :)

 

hi helmetfire,,lol at your comment,,yeh its strange but as we know from CAG its happening all the time ..ive not even had a deed of assignment from halifax/blair oliver scott,,im thinking they dont have an agreement ,,im sure i didnt sign anything back in 2001 ..i think it was all done over the phone

 

Hi again Blair Oliver and Scott are in fact part of Bank of Scotland (they even use the same initials) so no D O A is required. I have had them on my back for an Intelligent Finance loan (they are part of Heliprats so HBOS etc) they were ringing twice a day every day for the grand sum of £9 arrears on payment I am lucky in that as part of the software on an old modem I can interupt incoming on that number and just give them a message that says I will only comunicate in writting 4 times then disconects the call.

 

dpick

Link to post
Share on other sites

Without that DOA from haliprats to yourself concerning this account, IQOR don't have a legal right to process your data. And as the account is in dispute i'd tell IQOR that fact and you will see them running a mile from it, contact Halifax in writing and include a section 10 and section 12 notice under the DPA 1998. that should stop them passing your account to a DCA. if they do pass it on regardless you can take them to court and get damages for failing to comply with the data protection act.

Link to post
Share on other sites

here is a letter i've used twice with sucesss against capquest and westcot.

The second template is a proper section 10 and section 12 notice to use on the OC. Amend to suit yourself

Letter template for DPA.txt

Section 10 Notice DPA1998 Updated version.txt

Edited by adarling2006
forgot to add something lol
Link to post
Share on other sites

The fact of the matter is Most OC's don't comply with the various act's of law, they don't comply with the Debt collection guidelines in my experience and they should pass a history of the account onto which DCA they use, it's obvious they haven't here, otherwise IQOR would have known about the Dispute and wouldn't have touched it with a 10 foot barge pole. I'd Definatly send in a CCA request and see what happens with that, if it doesn't come back then they've got themselves a bigger can or worms concerning the DPA 1998, the fact they'd have been processing data about yourself for 7 yr's without a legal right to do so, but that's another story, wait and see what happens.

Link to post
Share on other sites

Hi again Blair Oliver and Scott are in fact part of Bank of Scotland (they even use the same initials) so no D O A is required.

dpick

 

Has anyone challenged them on this?

 

In our correspondence HBOS call Blair, Oliver & Scott "an external agent" and as HBOS remain the legal owners of the debt no DOA exists.

I'm just doing some digging before reporting BOS to Trading Standards & OFT for "passing off" as an independent DCA.Any thoughts?

Link to post
Share on other sites

so i send a CCA request to iQor?? ive got an account in dispute letter going out to them tomorrow..also ive enclosed a copy of the CCA letter i sent to haliprats in march also enclosing the proof of postage..shall i send that for now ..and if i hear from iQor again then CCA them ??

thanks for all this positive feedback adarling

Link to post
Share on other sites

having heard nothing from BOS about this account for a couple of months (they must be too busy going bust:-D)

 

I think you might have something in this joke.

 

It could be a new campaign to recover as much debt as possible before the transition to Lloyds/TSB.

 

in which case you might see many more BOS letters hitting doormats now.

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

Link to post
Share on other sites

I think they must be trying to get a nest egg together for when they do finally get the bullet, as Llyods have got their own in house team at DLC/Hillsden securities, but they are all the same really, straight out of the jungle and no clue about civilized society lol.

Link to post
Share on other sites

If they haven't replied to your legal request for six months (and i knew that wouldn't) then if you haven't already then it's time to make a complaint to Trading Standards.

 

It's tempting to ignore their letters i know but you have to think about building up a paper trail and evidence to show, amongst others, TS that you have consistently requested information that you are legally entitled to.

Don't ever expect a decent personal reply from the likes of BOS though. Just pop the letter in the post box and forget about it, concentrating on getting the regulatory bodies involved and hopefully on your side.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

hi davey thats gonna be my nxt move not that TS do much but at least like you say i can prove ive wrote to them ..the halifax debt as been given to iQor..im getting letters from them and blair oliver etc..ive got me acount in dispute letter ready to send to iQor..ive not even had a D O A from BOS lol:) aint they naughty

Link to post
Share on other sites

Well, in that case you have another complaint to ad to your TS letter in that you are being pursued by two DCAs over the same account! :)

 

You just need to keep pushing TS. Write to them every couple of weeks and escalate your complaints to the Council Complaints debt if you don't get a response. They should have a complaint form on their website.

 

But initially go direct to TS and give them a chance to sort it. You may get lucky! :)

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...