Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
        • Like

Unaffordable overpriced credit. Time to wake up and smell the coffee!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3858 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello all,

 

I have been on a spiral of debt for 3-4 years and due to changing finances I have finally realised that I need to sort this all out. It has got to the point where I cannot afford the minimum payments on everything so here is where I am. The interest rates are killing any payment i make and i am not going to spend the rest of my life paying them hundreds per month for nothing. In fact i beleive they have all had more than a fair amount already.

 

I am / was self employed. Currently no independent income. My wife and I are totally financially unlinked. The only income in the house is my wife's income and a joint tax credit award plus child benefit. We live in a council house and receive full housing benefit and council tax relief. I have no significant assets at all and have 2 kids under 16.

 

My debts are approx:

 

Littlewoods £7k

Vanquis £3k

Aqua (SAV UK) £4k

Cap One £1k

Barclaycard £2k over 2 cards

 

they expect a total of about £700 pcm in min payments:jaw:

 

All are pre April 2007 except one Barclaycard. In September I decided enough was enough and that buying food was more important than feeding this never ending cycle of minimum payments. So on 1st October I stopped paying the lot. At the end of October I paid them all token payments of £1 to £5 in proportion to their share of the debt to a total of £20. I intend to pay them this exact amount on the 1st of every month.

 

I have read around the forum and I am basically doing what I think would be dx100uk's advice, before asking for it! In that I am telling them that that is all there is and that if they dont like it tough because I dont like it either. However the entire £20 is coming out of a joint tax credit award anyway not any money that I earn so I feel that they are actually getting £20 that I am in effect stealing from my kids!

 

Thought I would start a thread for moral support and because I have many questions. For starters

 

Do I legally have any income? The only money that comes in with my name on it at the moment is the tax credits, does that count as income? and if so is half of it my income

 

In actual fact what is the worst they can do anyway? I could not care less about a credit file - it is their credit file not mine anyway. Afterall, they put all the stuff in it not me!

 

Like I said, council house and qualify for full HB and full CT relief. So as far as I can see even if they were silly enough to take me to court and win a CCJ they would get no more than I am paying now. Am i right?

 

Am i correct in thinking that whatever they do they will not affect my wife's credit rating - we are not financially linked at all (no joint accounts or anything)

 

I intend to challenge the enforceability of the lot over the next few months / year or so.

 

Any help, advice or answers to my questions would be very much appreciated. I'm not particularly worried about any of this to be honest. It was stressing me out trying to juggle it all for the past couple of years, i feel kind of relieved that i have now turned around and faced it to be honest. They can shove the credit file and after trashing that a CCJ would not be any worse. Basically I have accepted the worst case scenario that I may end up declaring bankrupt and now I am going to fight to see how much better than that I can make it.

 

If you made it this far, thanks for reading.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...