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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.

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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.
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      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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Can't Find The Debt? Arrow Global/Bryan Carter - HELP!


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Moving into a private rental and so did a credit search on myself this weekend before letting agents did - there is a random CCJ on there placed in 2008 (so due to come off Sept 2014) - contacted Northampton to get some information on this as I am not aware of the debt or where it has come from at all (I was a student in Preston and it is registered to my 1st student house, which I left in 2000... even though I am on the electoral roll 2000-2003 - never did that!- as well as on electoral roll 1999-2005 at parents house.

 

Anyway, Court advised that needed to speak to Bryan Carter - they advised that had now been passed to Arrow Global and gave me reference numbers - Arrow couldn't find or track me through Case Ref or through two account numbers given. Now placed a trace on the account to find it, but Bryan Carter couldn't guarantee that they would be able to, which leaves me at a complete loss as to how to settle this debt.

 

I wasn't aware of the CCJ at all and have never received any correspondence about it - even though have been on electoral roll and easily traceable (unusual name!) since 2005 when I moved back to my hometown. I can't prove that the debt isn't me, but seeing as it is roughly about £200 I would really just like to pay it off and get my certificate of satisfaction. The CCJ appears on Equifax so have a score of 270 on there, but not on Experian or Call Credit so my credit score on those is about 832.

 

Anybody else had issues like this?

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Hi and welcome to cag.

 

My first thought would be to attempt to get the judgement set aside. Even if you get the certificate, the CCJ will still be visible, putting off potential creditors.

 

This is not unknown for Mr carter to get judgement on a debt where the defendant has moved. Perhaps he didn't do the tracing properly (giving him some leeway :|)

 

As this is a legal issues matter, I'll alert the site team to move this to that forum

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Moved to legal issues forums as requested.

 

Smiley, this is purely administrative and you will still be able to find your thread - in fact I see you are viewing now.

 

:)

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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.

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Thank you! I wasn't really sure where to put it! It could be an old debt of mine from my student days, but I was sure I had already settled the majority of these - they were traced to me at my address after I moved homeward. However, it does sound a little bit dodgy - especially as this was address times don't seem to add up on the credit report. I am quite happy to settle the debt and get the certificate of satisfaction - mainly as the CCJ will be removed next year anyway, I just want to find out who to pay! Is this a common occurance? And if they can't find out where the debt is, where does that leave me?

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Did you manage to get any information from Northampton, or perhaps from the nearest county court to your old house?

 

Spoke to Northampton and they could only confirm the case number and gave me the contact and reference number for Bryan Carter.

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I rather suspect that you will get no help from Bryan Carter !

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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They phoned back this morning - found the case. Tried to get me to pay £600 which is the full account, so asked how much to settle the CCJ (which was around £249) and was given a figure of £275. It was more than I wanted to pay, but should get a letter of satisfaction through post ASAP. £600 was all of the original debt plus charges etc.

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I'm afraid this is the usual tactic for Mr Carter. It is highly likely you will receive a claim for the balance of this 'debt' as BC tends to split the claim to get his costs back first then reclaims for the balance. If a new claim turns up you can fully defend it as he is not allowed to do this.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Yes, please do let us know if you hear any more...

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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