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    • Thank you 😊  Just wanted to prepare myself mentally incase they pull out some rabbit out of a hat with these bodyshops as they will most likely be places they've used regularly in the past and over 150miles away from where I am.
    • I see the Brexit-ish are again delaying  implementing their 'grate deal' 'protecting the UKs borders' that they pressed through with the wholehearted support of MPs like smugg - who is now one of the main moaners saying this inflation raising and business destroying 'great deal'  shouldn't be implemented. Of course 3 of the benefits of NOT implementing the Brexitish grate deal as the Brexitish negotiated are:   1. Less UK businesses will collapse 2. UK inflation NOT increased by 0.6% (hence fiddling the figures to us scraping NOT being in a Brexit generated recession) 3. The problems will be dumped in labours lap after the GE   "Analysis by specialist credit insurance firm Allianz Trade said the removal of tariffs on the goods would reduce inflation by 0.6 percentage points, and cut import costs by close to 7 billion pounds ($8.8 billion) in nominal terms."   reuters.com WWW.REUTERS.COM     https://www.reuters.com/world/uk/uk-economy-grows-by-01-february-2024-04-12/   Rees-Mogg warns post-Brexit border charges could be inflationary WWW.THELONDONECONOMIC.COM According to reports, Britain faces a £2 billion post-Brexit bill on European food imports from the end of the month.  
    • Thank you . Please stand by for a reply later on  
    • Sorry just get worried that they will make my life harder than they already have lol   Bought the car around 12th Sept 2022 for £78,000 from clinkard cars.   Performance, Prestigious and Specialist cars in Romsey, Hampshire | Clinkard Performance Cars WWW.CLINKARDCARS.CO.UK Performance, Prestigious and Specialist cars Dealers in Romsey, Hampshire Was a 2019 Range Rover with 25k miles, £20k deposit at £750pm pcp over a 4 year period.   Finance company are alphera (bmw finance) spoke to them in October 2023 about the damage my bodyshop advised me of but they told me to deal with the dealership. Paid for the repair myself as I was told the extended warranty I paid for (recommended through dealer) wouldn't cover it as it was an existing fault and not mechanical breakdown. When I got the £40k offer from the dealership they still didn't want to get involved unless I got an independent inspection done. Used Elite Forensic inspections as they seem highly rated online (more comprehensive than your average AA inspection). I just looked online for thr best inspections for customers eho hsbe alre purchased the car. Their report was super comprehensive over like 50 pages of text and photos. Comparisons to the advert photos against what the inspector saw made in clear that the damage was before I purchase it. Got the report back 10th Jan 2024 and couldn't believe that they'd picked up the level of accident the car had been in and raised an official complaint through Alphera, they couldn't come to a decision with 8 weeks so raised with FOS. Around the 7th March 2024. Small issues started within the first week of purchasing like ambient light not working on the side the car was hit and car randomly switching off completely when I'd stop at traffic lights/junctions. Dealers eventually got this sorted which I appreciate, but doesn't change the fact that they didn't check the car as well as I'd been told it had been checked and they'd sold me an accident repaired car and initially tried to say all cars have had paint due to stone chips etc. Also turns out the car had only had 1 service before I serviced the car in mid 2023 (when the service light came on the car).   So far Clinkard have had my car for nearly a month (so my wife and I hsve had yo share cars since), they've said we've taken the far to 2x garages so far to inspect it and got 1 more garage to take it to. Currently refusing to tell me what those 2 garages have said so far with the attitude of because you've gone through FOS we have to follow the correct channels and respond to the complaint through them which is quite annoying.
    • This has been playing on my mind a little so been reading. Am I right in saying that if the original debt was regulated under the CCA and below 25k they can't use HCEO? 
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      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.

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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Bailiff companies curbed from charging excessive credit and debit card surcharges !!


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On Saturday, 6th April 2013 the government introduced a BAN on "excessive credit and debit card surcharges" thereby preventing companies charging anything more than it actually costs them to process payments.

 

The new regulations are certainly not before time and the Consumer Affairs Minister; Jo Swinson stated the following:

 

"The practice of excessive payment surcharges has been ripping of consumers for far too long"

 

 

Charging a fee for making payment by credit card ( or, to a lesser extent..a debit card) was a practice that was typically used by companies when consumers booked concert tickets, theatre seats, car hire and airline tickets etc.

 

For reasons that were unknown, bailiff companies decided that they too could charge a credit card fee when accepting payment by credit card with the WORST OFFENDER ( as far as I am aware) being PHILIPS Ltd who not only charged a credit card handling fee of 6% but unbelivably also charge 20% vat on the fee !!! It beggars belief that this practice has been allowed to go on for so long. unchallenged.

 

The Office of Fair Trading has provided examples of the maximum amount that can be charged for using a credit card and for instance; on a transaction of £100 the "surcharge" should be no more than £2.10 and on payments of £250 a maximum of £4.94

 

The new rules will be covering all of the European Union but have been introduced in the UK earlier than the rest of the EU because of the concerns that were first raised by Which magazine.

 

NOTE: New companies and very small businesses will not be subject to the new rules until June 2014.

 

Complaints can be made to the Office of Fair Trading.

 

http://www.bbc.co.uk/news/business-22042309

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Wonder which bailiff co will be the first to be caught out?

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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This is where the public can make a difference by taking complaints to the Office of Fair Trading.

 

I will need to read the regulations carefully as I would "suspect" that some bailiff companies will attempt to say that they are come under the exempt category of "small Business"...or as the regulations state: MICRO BUSINESS.

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Although this a link to the Consultation paper regarding credit card charges, it does provide some very useful information:

 

https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/32703/12-1008-consultation-ban-above-cost-payment-surcharges.pdf

 

It certainly blows the routine charging of £3 or £5 for a debit card out of the water, Crapita and others take note 53 pence is all you should charge, most likely Equita and Ross 'n Robbers would try to add VAT to the charge.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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  • 7 months later...
I got charged £12 over a £200 debt... 5% CREDIT card surcharge + VAT...for using a DEBIT card through Collectica. Their own website says Debit cards only carry a charge of £3.

 

I therefore would like to propose Collectica wins the award :mad2:

 

Since the recent change in the law they are only allowed to charge what it costs which should bring Debit Cards down to approx 50p & credit cards 1.5% - 2.5%.

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Report Collectica to OFT or whoever handles complaints for excessive card payment fees.

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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Report Collectica to OFT or whoever handles complaints for excessive card payment fees.

 

I intend to, I just need to know how to proceed in the best way so Collectica get the maximum punishments. I am afraid I won't be able to complain to the OFT because I have a pending court case with them or vice versa!

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