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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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    • 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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Hi all,

 

I will start with saying I have been rather stupid over the years when it comes to debt, With mobile phones, pay day loans, Benefit overpayment, Working tax credit debt, bank debts, You name it.

 

I am 29, and for the past 10 years I have just ignored the lot, told them all where to go, Then just over 18 months ago I met the girlfriend, She has changed my way of thinking, and really got me to see sense and take some action.

 

My situation is.

 

I live with my girlfriend, I do not work, however she does, she works full time in a pretty dam good job, I do not claim JSA either, so really the only income we have is what she earns, So she supports me in every way, I have worked for recruitment agencies but I would say about 6month out of the last 18 months I have worked, but at this moment in time I do not have a job nor do I claim benefit.

 

Well in 3 weeks we are moving to a new home etc, I will then be making a JSA contribution based claim, I can not receive money as I have a partner that works.

 

However I am going to go bankrupt. I have around 10k of debt and I do honestly believe bankruptcy is my only option and I would be happy doing so, just so I can have a fresh start. However I have a few questions that I can not seem to find online anywhere! maybe the answers are there but I am not finding them.

 

1 - I have been registered with that fraud prevention agency, Cfas or something like that. Would this prevent me in going bankrupt? It was caused by TMOBILE when I got a contract phone and just didn't pay the bill. STUPID I know but hey..

 

2 - My partner is awesome in everyway, BUT she has never contributed towards my debts, and never will do, She is cool with paying all the bills and outing food on the table and making sure I have fags but the line is drawn when it comes to paying my debts that was made before we even met. WE have spoken about me going bankrupt, She thinks its a good idea. Would she HAVE to pay towards anything during my bankruptcy? She did make it clear because the debts are not hers and was made before we met she will never pay towards them, But she would be happy in still paying the bills and buying food etc.

 

3 - Would her credit be affected? The reason I ask this is because her credit is squeaky clean. And her credit being affected would seriously affect her job.

 

 

So to clarify things up.

 

My partner pays for food, pays the bills, BUT she does not give me cash, she just makes sure I am fed, warm and clothed.

 

Any advice or answers please?

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Good morning,

Welcome to CAG,

Lucky guy having such an understanding lady behind you for support!!

1. CIFAS should have no bearing on BR.

2. As you have no joint accounts or financial shared responsibilities, your GF cannot be held responsible for your personal debts.

3. NO, there are no financial links, again so no effect on credit files.

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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Thank you for your reply. :-)

 

Yeah very lucky. She is reason why I have decided to start sorting my life out instead of running away from it all.

 

In terms of financial links, The only thing I have been named on is the council tax bill, I have never been on the rent books with her, Never had joint accounts, Shared utility bills or anything. So I doubt we will be linked on a credit file together.

 

So when I do fill out the form for bankruptcy and it asks for my partners finance details etc, Do I put them down or leave it or do I just gain help in filling out the paperwork?

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IMO you would honestly state the there are no joint financial obligations.

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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for the past 10 years I have just ignored the lot

 

For the debts to the bank, mobile phone companies and PDLs, are you saying that you have not paid anything for 10 years or acknowledged the debts in writing for that period of time too?

 

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