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    • Interesting they're not mentioning Barclaycard. Just Barclays Bank UK PLC. This may have been an Egg card ...but I simply don't know.
    • Just to be clear, the (£75) compliance stage fee is triggered the moment the instruction to undertake the Schedule 12 procedure is received by the enforcement agent/company - not on sending the Notice of Enforcement. That said, if you don't pay it, it can only be recovered using the Schedule 12 procedure if the Notice has been correctly 'given'.  To do that it must be given to the place, or one of the places where you usually live or carry on a trade or business.  Which, as I see it, has not been achieved.  The (£235) enforcement stage fee applied by attending an address where you don't live or carry on a trade or business is not enforceable and cannot be recovered using the Schedule 12 procedure. If they find your current address, they would have to re-issue a Notice of Enforcement to you at that address before being able to undertake the Schedule 12 procedure. In your place I would pay the debt plus the £75.00 direct to the council, leaving them to pay the £75 to the enforcement agent/agency.  While not (at this stage) enforceable, the £75 is due under the liability order (debt + costs). If you pay the debt direct without paying the £75, the distribution of any payment received, while the liability order is still with the enforcement agent/agency, requires the £75 to be paid first - leaving £75 of debt! Hope this helps  
    • "Customer Appeasement" apparently So they refunded £10.4m without actually receiving the returned goods. Sounds a very thorough fool proof returns system they have there
    • Time for the papers as per @FTMDave's suggestion then.  
  • 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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Government 'Approves' Extortionate Interest Payday loans.


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The Government refuses to regulate Payday loan companies.

 

The Government has given the green light to Payday loan companies to carry on charging thousands of percent interest on loans and to bully and threaten those who take out a loan. They have 'refused' to discuss the growing trend and misery caused by this legal rip-off.

 

Jo Swinson, the minister for Employment, Relations and Consumer Affairs said "It makes sense to leave it and wait to see if the companies come up with some voluntary control".

 

What a disgusting statement from some stuck up cow who lives on state money.

 

She said they might have a chat about it next summer.

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They have said they will be investigating abusive collecting methods. They have not said when this will start or that they have any intentions to curb these companies stinking sales methods including the 'couldn't care less' attitude they have in not checking if a loan can be repaid or the gross interest rates.

 

When someone is on state money and gets more in a year than some whole streets earns, it is because she does not live in the real world, has never lived in the real world and will only give joe public the time of day her job says she must, that is stuck up. Do you honestly think she has any interest in anyone but herself, no, she don't go to the Red Dragon for a pint.

 

This is the Lib Dem woman who:

 

Voted for University tuition fees

Voted against anti-terrorism laws

Voted for increasing the VAT rate

Voted against a stricter asylum system

Voted for more EU integration and giving up more of the UK sovereignty

 

That's the definition of a cow.

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