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    • In my experience (not with car payments) but with many other things, my partner has been ill and signed off in the past and we have been unable to meet various commitments.  Naturally if you ring the call centre they are going to fob you off and tell you you must pay, that's why that never ever works. I would obtain a note from her GP listing all her health issues plus medications plus side effects, then write to the finance company with a copy of it, explaining the situation, as you have here, asking for a payment holiday. Perhaps mention that the car is very much needed for hospital appointments etc. It's likely the finance company would rather you pay till term end than, chase you for money they will never see, and sell the car at auction for a loss,  You can search some of my threads going back years, advising people to do this for Council Tax, Tax Credits, HMRC, Even a solicitors company and it always works, because contrary to popular belief people are reasonable.
    • Sorry, I haven't ever seen one of these agreements. Read it all and look out for anything that says when she can withdraw and when she is committed to go ahead. If it isn't clear she may need to call the housing provider and simply say what you posted here, she doesn't want to go ahead and how does she withdraw her swap application?
    • Thank you! Your head is like a power bank of knowledge.  Her health issues are short term, due to a relationship breakdown she took it pretty hard and has been signed off work on medication for 3 months. She only started her job in February 24 so does not qualify for any occupational sick benefits, which is where the ssp only comes in. (You will see me posting a few things over the coming days, whilst I try and sort some things for her)  I sat with her last night relaying all this back and she does want to work out a plan, she was ready to propose £100 for the next 3 months and then an additional £70 per month onto of her contractual to "catch up" but Money247 rejecting the payment holiday and demanding £200 thew her, which is why I came on here.   
    • I've looked at your case specifically more.   Term 8bii reads " when, in accordance with instructions from the Customer or the Consignee, the Consignment is left in a safe place" Their terms choose to not define safe, so they are put to proof that the location is safe. If your property opens onto a street its a simple thing of putting a google earth image and pointing out that its not a safe place
    • New rules and higher rates resulted in a jump in the number of savers opening accounts at the start of this year's Isa season.View the full article
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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
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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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Hi Guys,

has anyone heard of this company?They manage the estate where I live, tidy up the gardens, not front gardens, but communal areas, pick up rubbish out the car park etc.I got a letter off them today because I haven't paid my £42 estate charge, so they have added a £21 admin fee as the cost of writing to me over it. I think this is extortionate.

The reason I haven't paid is that the terms and conditions on the back of their paperwork refer to tenants and lease holders, of which I am neither, so I wrote and asked them for a copy of homeowners terms and conditions, which haven't been forthcoming.

 

ThankS

 

Mike

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  • 6 months later...

Hi Mike

 

I have just bought a freehold house with its own drive and garage and have been charged £148 when we completed the sale last month supposedly to maintain the "green areas" on the development not adopted by the local authority.

 

If you google Chamonix estates you will see a number of residents that have successfully challenged their outrages charges, I have dealt with this company in the past in the industry I worked in and they do not do a very good job of maintaining the properties or areas that they supposedly are paid to care for.

 

Had I been made aware that this was the company that David Wilson Homes had contracted I would probably have not have bought the house. I now intend to engage with them to get a complete breakdown of their charges and challenge them every inch of the way!

 

Mark

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I think it could be argued that you are a tenant of the estate. These charges are common for leasehold properties and even in some freehold properties, with lh you at least have a lot of legal protection but with fh estate charges, a lot less and it is purely contractual.

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Worth reading this as it does partially explain Estate Management Charges, there is some right (although limited) to apply to an FTT (previoulsy LVT) to ask them to judicate on certain charges (I was unaware of this and apparently so weresome LVTs/Courts !).

 

http://nearlylegal.co.uk/blog/2014/01/putting-it-off/

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  • 3 months later...

I've challenged them to provide me with evidence of what they have actually done for me on the estate? Never seen them around the place, very slow for repairs. I had a repair issue the day before Christmas which I reported and it never got sorted until the new Year.

Awful to deal with, crap customer service. Wish you the best.

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  • 8 months later...
Any more news on this? Similar issue here and getting ready for court

 

Chamonix Estates are a company headed by Adrian Povey and Louise Pugh. This company have broken every rule in the book and have never acted in accordance to the terms and conditions of the lease. They have a history of problems and in a recent search I found many links on-line showing how bad they are.

 

 

Alex J

Edited by honeybee13
Pejorative/defamatory language.
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I have to agree, I have had the same exact problems.

 

Each time I ask them to provide evidence of their work and what they are actually doing with the money,

they do not respond and come back at me with threats and try to turn it around on me.

 

They are a very bad company and group of people to deal with.

They have far too many people interfere with issues and non seem to know what the other says.

 

They also never follow through on what they agree and change minds like the wind.

 

Adrian Povey is the biggest [edited] of all.

 

He seems to think he can what he wants, when he wants and to whom he wants.

 

He walks around like he is honest and straight forward.

He think he is whiter than white but let me tell you, he isn't in my opinion and will have his day. I hope he gets what;s coming to him !!!

Edited by honeybee13
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LOL - seems like the same old story - They NEVER RESPOND with what you ask for which is a huge breach of the law and the lease - but yet they always add £21 and other charges they pluck out of think air followed by threats of legal action without first realising the laws they have broken.

Edited by honeybee13
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  • 5 months later...

Chamonix Estates were recently contacted about the lack of services provided although they insist on charging service demands without accepting responsibility for their failures.

 

A recent water leak with has caused damage to my mother's property was brought to their attention. My mother being of age and not from the UK finds it difficult to speak English. Therefore, I made contact on her behalf.

 

They are useless and do not contact me when asked to provide any help or advice. I have tried numerous times to contact their office and kept being passed through various departments. It has taken more than 3 weeks and 9 calls and emails to try and explain my issue but yet still NO HELP OR RESPONSE.

 

I tried to contact the management company which I was told is Grove Road One. Still NO HELP AND NO RESPONSE.

 

I was spoken to very rudely by someone in accounts after I stated that if the problems were not resolved that I would stop paying the service charges. They threatened me and stated that they would issue a court order against me and that I would have charges for costs on added to the account.

 

This is highly unacceptable and disgusting. I am outraged as to how a company who is responsible for the management of our property can ignore problems that have been going on for so long especially when an elderly woman with poor health is suffering.

 

Shame on you Chamonix Estates and Grove Road One. I will be stopping our service charge payments and seeking legal advise. Apparently, we are NOT the only ones who have exprienced these problems.

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  • 1 year later...

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Thread now closed as its only been bumped annually with new user stories

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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