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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

      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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CCJs for dummies anyone


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First of all I'd like to say sorry if I've posted this in the wrong place. :|

I'm a little simple and really need some help.

 

I have today received a CCJ (one sheet letter from Northhampt county court)

Apparently I was supposed to have recieved a form to send back to them

Which I don't at all remember getting apparantly is a blue? Form?

I don't remember receiving any blue mail...

 

So the court has ordered that I pay my creditor £650 "forthwith"

Which from what I can gather means..like now.

Or well that I have 30 days to pay the lump sum.

I really want to pay this debt but I don't have that sort of cash.

 

Who would I contact about making an arrangement to pay in installments?

There are 3 people stated on my CCJ

The County Court (obviously)

Homebase card services ( original creditors)

Aplins solicitors (these are in the "make payments to" box on CCJ)

 

I just really need some advice you guys, if they try and take all my pennies or send bailiffs round,

I'll freak out and not in a fun, disco dancin' way but a severe mental health issues way. :(

Thank you in advance to anyone who helps

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You are now in the right place, I have relocated you :) You do not have to do anything it is purely administrative.

 

So, did you not receive any paperwork from the court originally and this Judgment has been given by default (that you haven't offered a defence)

 

I would think that you could apply to have it set aside if you were unawares this was happening, you are entitled to offer up a defence.

 

Did your creditors not contact you previously to advise they wanted money from you ? Send you a default notice - a statutory requirement, or a Letter before action ?

 

If you wish to accept this CCJ without fighting forward, but don't have the funds to make the payment in full then you can make an application to vary the order (ask for an instalment plan)

 

I think it is form N245 that you need to complete and it needs to go to the court named on the Judgment / General Order.

 

http://www.justice.gov.uk/courts/procedure-rules/civil/sched_ccr/ccrorder22

 

There is some information in the link above, but I will flag your thread for others to comment as well.

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1: How can BCOBS protect you from your Banks unfair treatment

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Do you know if there were any default/penalty charges added to this account ? If so, you will be able to reclaim those and we would almost certainly have advised you of this had you been aware of the claim in the making and sought advice earlier.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Thank you citizenb for your ultra fast response!

I do not wish to fight the CCJ as the debt is deffinately mine.

They had sent me the correct warning letters and defaulted my account.

I had just spent number of months burying my head in the sand,

As some folks do (but really shouldn't)

It wouldn't appear to me that any unfair charges have been added on

Although I can't be sure it just appears to be a few court costs.

 

So my new plan of action shall be printing a copy of a N245 form

and mailing this to Northhampt.. County court stating my proposed

payment plan.

Do you know, if these are generally accepted? Especially if I have missed the

first set of important blue forms they sent me?

I shall keep this thread updated to what happens.

Thanks MissI

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I have alerted others on the site team who will have a better understanding of this than me. But yes, the N245 will need to be completed along with a personal budget sheet which shows your income and expenditure. You can complete the one I have attached below or you could telephone National Debtline on their free number and ask if they will help you complete a Common Financial Statement.

 

I guess you could mention on the N245 that whilst you were unaware of this claim, you accept the outcome, but as they can see from your attached Personal Budget statement, you simply cannot afford to pay the full amount in one go.

 

 

Ellens Budget Sheet.xls

 

 

http://www.nationaldebtline.co.uk/

 

National Debtline are open Monday - Friday 9am to 9pm : Saturday 9.30am to 1pm and their number is a free service.

:)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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