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    • sorry but you've been here for +10yrs and are well aware that dca's on paper or at your doorstep have zero legal powers and how to deal with them. if you've never in all this time told your wife too, thats your problem. they know where you live so await their papertiger letter of claim if resolvecalls client are ever  brave enough. dx  
    • Yes all works have been completed and we have only just received the final report from Mercedes today (we have had numerous communications from them including photos and videos of work being completed) I can see now in the letter that the word “quotation” was used but this should have read invoice. Doves have been kept aware of the situation and have been in communications with Mercedes themselves, so they are already aware the work was being commenced. 
    • Hi all,   I didn't expect to start really badly with pucharse my new vehicle. 8th June I buy the vehicle from BigMotoringWorld. The car has 10987 and apparently service was done on 10852 mileage . I spend half day in the store to take the car and was even manipulated to buy warranty with is cost a lot money.   Since I left the store car has start to having issues with the breaks. Once i pushed break pedal car starting noising and don't have like power to stop the vehicle ( Pedal must be press to the end to stop )   I start to call them but no one was able to support they was just close the phone... So i decided to read the review about them and I was shocked... I take the decision I will return the vehicle and send them email on 12 June with the issues on breaks and request to return the vehicle. They reply to me 5 days later  In relation to your request to exchange your vehicle, please be advised that we do not have a returns policy on our vehicles. Please can you confirm how the vehicle is noisyssss I was really angry I have to deal with them and car was cosr me £31000 + finance cost so I read your posts in forums and took some advice from others colleges who have similar issues and reply to them as below.   Dear Big Motoring World   I'm writing to you about the car I bought from you for £31000. on 08.06.2024 The car has only 11000 mileage I was thinking is almost brand new however has issues with the breaks. ( Please note the car was apparently serviced 300 mileage ago and break was chaneged )   The breaks make the sound the are not with the good condition. When push the pedal break car is not stopping immediately. I'm not feeling safe to drive anymore with those vehicle. The Consumer Right Act 2015 make It and implied term of the contractI have with Big Motoring World that goods be as described, fit for purpose and of satisfactory quality. As you are in breach of contract and I've owner the vehicle for less than 6 years ( less than 2 weeks before the issues arose in fact ) I am within my statuatory right to ask for a refund at no futher cost to me.   Please note  I informed Motofinance company and informed about the issues and request to cancelled the agreement.   I look forward to hearing from you within 14 day with details of how you plan to arrange return the vehicle back.   THEN Since I send those email the conversation has completely changed and they reply to me below.   Thank you for email dated 11/06/24   I am sorry to hear that you have had cause to complain   My understanding if your complaint is: Your brakes are grinding and the vehicle is not stopping efficiently. In order to complete our investigation we require some additional information from you. please confirm the following at your earliest convenciance: Please can you confirm if you have visited a local Halford or Kwitfit or other repair agent to carry out a free of charge break health check ? Halford and Kwitfit are able to check your breaks to advice if they require replacement.   In order for me to issue to my response can you please confirm your desired resolution ?   If you feel I have not understood the nature of your complaint correctly, please advise me accordingly.   We will now be investigating this complaint and will aim to respond to you as soon as possible. We will keep you updated with the progress or your complaint in due course      I have really enough with them and just want to close the case and return the car.   Please can you advice what to do ?   Thank you   External Complaints Policy V.2.1 31.05.24 4.pdf.pdf
    • can we have the PCN bothsides to one mass pdf please previous uploads keep being made unavailable ?? dx    
    • <£300 so with a good defence and like most of these small sum util debts, jci will drop it before they have to pay any more fees. dx  
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    • If you are buying a used car – you need to read this survival guide.
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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 
      • 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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I could really use some help please. My husband is a soldier so we move around rather often. Upon moving into our house in York the utilities were already with Scottishpower. I called them up and gave our details for bills ect and thought that was that.

 

They then proceeded to attempt to add the previous people's 3 months worth of arrears to our account. At this point I refused to pay anything until they resolved it as I didn't know if I was paying our bills, theirs or a joint combination.

 

We kept the money to one side for when they'd eventually sorted it out. 5 months down the line they finally sorted it I was all ready to pay the arrears we had due to not payment while sorting the matter out but it turns out they'd GROSSLY under estimated the bills (ours) in an effort to sort the situation out I asked if we could do a payment plan and they stated we had to pay at least half of the arrears or they wouldn't do a payment plan (even half of the arrears was double what we had put to the side) and they gave us a cracking great monthly payment of £280 which we can't afford.

 

I have offered them £50pm on top of our monthly bill to cover the arrears however they won't accept it. Now it's been 12 months since we moved in I've paid 1 bill in that 12 months as they are still refusing to help (now the bill stands at a little over £2,000) They are telling me that I need to pay a lump sum to set up a payment plan, pay in full or have a meter installed which not only will the army housing not allow but I can't get out to top it up as I have a son with very severe autism and a young baby.

 

I've made efforts to sort this but they won't budge. I have asked how much our standard monthly plan is and they won't tell me because it includes the debt so I can't even make an "offer" to them because I don't know what I am offering on.

 

Could I get some help in reference to sending them an offer through the post?

 

PLEASE HELP :jaw:

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the site puts a space in to stop spamming spiders

 

just remove the space MJ.

 

[rep you need to remember this]

 

dx

  • Confused 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have recently put up a post about Scottishpower.

 

they tried adding someone elses bills to ours and I refused to pay them while they were dealing with it because I didn't know if we were paying our bills or theirs.

 

When they'd sorted it they'd severely underestimated how much our bills were and the money we had kept behind wasn't enough.

They wouldn't comprimise on a payment plan and those they offered were not affordable (in excess of £250 for the debt alone not current utilities)

 

I have been trying to move over to a new company for months now so I could have a regular utility company without any debt

and then set up a payment plan with whoever chased us from Scottishpower.

 

They wouldn't let us move due to the debt, wouldn't agree on an affordable payment plan so we were stuck.

 

FINALLY today we've receieved a debt collections letter from SECUS who were shocked to hear I was more than willing to bill the bill.

 

Considering this debt has now been sent to a debt collector I don't suppose anyone would know if I can now change companies finally??

 

Thanks in advance

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Has the debt been sold to the debt collector or do they state they are collecting on behalf ofg Scottishpower?

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I'm not sure the lady I spoke too simply said the account had been sent to them via scottishpower. I just called Scottishpower to ask and they said I wouldn't be able to change regardless. They are now having a manager call me back as I have told them as long as they hold me and I am unable to move companies I will not be working the debt out with anyone.

 

I'm quite happy to deal with SECUS however at the end of the day I'll still be held over a barral by Scottishpower and their ridiculous prices.

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You should have no problems switching utility providers even though you have an outstanding bill with Scottish Power.

 

Please see the article in our October Newsletter for the links, I have copied the article for you.

 

Energy customers get new switching rights

Households with pre-payment meters who owe up to £500 to their energy supplier will be able to switch to cheaper deals with another firm under new measures.

Customers of the biggest six companies are currently able to move only if they have debts of less than £200.

Under OFGEM's announcement, British Gas, EDF, Eon, SSE, Scottish Power and Npower will allow people on pre-payment meters to switch from 1 November.

It is thought tens of thousands of users will be helped by the move.

http://www.consumeractiongroup.co.uk/forum/content.php?910-Newsletter-October-2012

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?366355-New-rules-will-allow-switching-for-pre-payment-customers-with-arrears-of-up-to-%C2%A3500

 

 

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i've moved with £1300+ bill recently.

 

we have a scottish power rep might like to comment?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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threads merged

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so did you email the rep as advised earlier

 

what was the result

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I emailed him and heard nothing back at all. I've just spoken with customer service's yet again who were unhelpful so I just told them to write a note on my file saying I am refusing to deal with the debt collecting company (who I'll quite happily deal with) until they let me change. That and to not waste their paper on me. It's stupid really. Let me change and get your money or don't and don't get it.

 

Thanks for the merge DX didn't know how to find the original post

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Hi

 

I really think you need to make a Formal Complaint to Scottishpower in writing (always get proof of posting and keep a good paper trail) as this situation has arose due to Scottishpowers complete Maladministration of your account to date and trying to force you the current occupant of that property to pay the previous occupants arrears when you have already proved the arrears were the previous occupants.

 

You have also to date not resfused to pay your bills but informed Scottishpower that you would pay the bills once they had resolved the above issue which Scottishpower were not just slow to resolve but further complicated matters once this was resolved by sending you incorrect bills stating they were correct once again Scottishpowers Maladministration.

 

To now have a Debt Collection Company contracted by Scottishpower to now chase you for arrears which were actually not of your doing but due to Scottishpowers Maladministration of your account to date and the stress that this has had on your family.

 

You now require Scottishpower to place your account IN DISPUTE until this matter is resolved and to inform their Debt Collection Company that this account is IN DISPUTE and you require conformation from Scottishpower of this.

Edited by stu007

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I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

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The account was already in dispute when I noticed the error IE them trying to add someone else's arrears to our account.

 

The issue is the time it took to sort out (it's been sorted for a number of months now) means we had arrears that they'd grossly underestimated

so when it came time to begin paying the bills after it came out of dispite we hadn't put nearly enough away

 

since that point I've been trying to get a suitable payment plan so we can leave them

however they wouldn't allow a managable one.

 

So now the bill is over 2,000 (all ours) and as they are refusing to be amicable it grows higher and higher because we cannot afford the payments they are asking us to make.

 

Currently our options are 50% now and then pay £100 on top of our monthly bill (regular monthly bill they say is £180)

 

pay £380 pm

 

or have a meter.

 

We can't have a meter as it's military housing. Not only will they not give them permission to install one. IF we have a surprise posting at any moment and leave (prior to the total amount being paid off) They'll then refuse to remove the meter.

 

It's quite a mess :|

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Hi

 

I would also advise speaking to either the Royal British Legion or your Local Help for Heroes as they may also be able to offer some help or advice in your circumstances.

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

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Are you living in quaters, have you contacted a families officer or sought help from military sources?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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so were you actually paying anyhing at all during the 'dispute'

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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so were you actually paying anyhing at all during the 'dispute'

 

dx

 

They told us that out joint bill would be £70pm so during the dispute we put this aside for when the dispute had sorted so we could pay it in full. This was grossly under estimated. Our bill was more 200pm which they never informed us of during the dispute. After it ended I attempted to strike up a payment plan and was given the options I've previously listed. As we can't do any of them they were too high they wouldn't accept a reasonable amount. So it's gone month by month me paying nothing because they want it all or nothing :-/

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ta gerry

 

merry xmas

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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