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    • As one of you mentioned above I've been in a mess for nearly 20 years now and I'm ready to sort my credit report out now - the main reason I got into second round of debt is my kids being unwell and the state considering them not unwell enough for extra help so despite my son being in hospital for 3 months in one year we got extra zero help and I eventually lost my job and got into debt to just so I can be تا my sons hospital bed at his time of need - my life basically fell apart and all these debts got me again 
    • Gosh mate I've woke up this morning with half the worry I had last night when going to sleep!.  I can't believe how much this forum has helped me over the years and I don't  have the words to explain the gratitude I feel towards you guys -  Now that I've slept on it I feel ready to reject this company and my plan is to make them an offer to accept payments to date as full and final settlement - I will I think write them a letter once my review is completed or maybe just send it now whilst they are reviewing explaining my kids are unwell for which reason I'm struggling to survive and if I can politely request for them to accept payment to date as a full and final - I'll mention I don't have any cash or anyone to borrow from to offer a full or even part amount of the remaining balance of the iva and therfore am unable to make a offer of payment.   If they agree to at least even put my offer to the creditors then I feel it's better I hang in there and that way I won't have to deal with any possibilities of more defaults and ccjs    Right now the only adverse effects on my credit report are the iva that is now 3 years old and 2 Ccj one coming of this July and one thus October.    But I am worried new action will begin and new defaults and Ccj may start to appear because I've paying into an agreement im under the impression the 6 year rules starts again so yes I have lost of mixed feelings about this but I'm not going to lie you guys have put some life back into my breath this week as for the last 3 years I've felt caged like an animal and this morning I feel freer I can't explain how much but certainly my soul feel lighter today thanks to yin because I'm now viewing this review totally different to I do yesterday thanks to you guys 
    • Court name UNKNOWN Case number ********** Amount N/A Confirmed by Insolvency Service Date issued May 2021 Type Voluntary Arrangement Notes If you have questions about voluntary arrangements you should speak to the Insolvency Service.     I started this in 2021. So it's been about 3 years I've been paying. 
    • Thanks @lookinforinfo@Nicky Boyi sent across the agreement earlier in this thread. No mention of financial reward to the MA. But, I wouldn't be surprised if it was done on the sly. As I said earlier, the owner of OPS is a convicted criminal, with a very shady reputation around these parts.
    • The average high street easy-access account pays 1.7% interest - but savers could earn 5% if they moved their money elsewhere. We look at which banks have the top rates.View the full article
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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.

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      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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  • 5 months later...

Hi I am in very similar situation as Tim. I also live in Jersey and am the victim of Everest's handy work. Over 4 years ago we spent over £40k on new windows, front, balcony and bi-folding doors and GRP'ing of our flat roof. The main roof has leaked twice. Water appears to be getting in under the GRP roofing on the porch. We have large damp patches caused by water ingress. The bi-folding door doesn't lock properly Windows are draughty and noisy. The panels below our windows have blown because water is getting in I have employed a surveyor and his reports makes disturbing reading, which has been passed to my solicitor, who has contacted Everest but are longer answering his letters. They have as good called us liars saying we had denied them access to rectify the problems. But how many times do you let the same people, who did the original fitting, in to put their work right ? On the advice of my solicitor I let their local Installations Manager in with my surveyor in attendance. My surveyor went through every point in the report and there are many ! Everest's representative had to agree with everything and told us we would have a response within a week. Well that was two months ago and we haven't heard a peep from them. My solicitor has written to them but nothing !! We have to live with this for over three years, not being able to redecorate because of the leaks. It no longer feels like home and we want to sell up. But these people have de-valued our property and we would have to put their work right before we could sell. I am at my wits end and short of publishing the report in the local press and putting up banners like Tim's, I don't know what to do.

Edited by Steve_Goodwin
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Hi Steve.

 

Firstly, your story sounds sadly familiar, many people in the island contacted me over the years I was fighting them with similar stories, but there was still no support from local authorities, neither ministers nor Trading Standards (they are not worthy of the name in Jersey as they admit themselves!). Thank god for forums such as these.

 

I don't know if this is OK by the forum mods, but I am more than happy to meet up with you in person and discuss your problems and we can see if we can find a way forward - I have contacts at Everest (or at least their lawyers) and I am sure we can get this sorted for you. I suspect they don't want more publicity as their franchise (for want of a better word) changed hands soon after we publicised their antics ;).

 

Please don't leave an email address in a post for privacy's sake, but feel free to phone me (I am in the local phone book) or PM me in these forums if you prefer and we can meet up.

 

I feel it's time to get these monkeys out of Jersey once a for all.

 

Kind regards,

Tim.

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  • 1 month later...

Hi Tim Apologies, We have had some success and I didn't want to rock the boat ! I emailed the new Everest CEO Roy Saunders, referring to his article in the Telegraph saying how he wanted to improve Everest's image and reputation. So I said perhaps he could start by sorting my problem and within 24hours I had an apologetic email from Everest's legal department. Whom, up until this point either never answered any correspondence or on the rare occasion, they did, they were just difficult. Since then we've had someone over from the UK to review the installation and has agreed the new flat roof has to come off and be replaced, the patio doors have to come out and be refitted. They are sending teams over from the UK to rectify the problems. However, I was told I would receive an email last Monday confirming dates, but as yet I've not had it. They were supposed to either start this coming Monday or the following Monday. So I guess it ain't gonna be this Monday ! It was all going so well ! Going to have to chase them (again !!)

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Well done! More contact than we had in 4 years. I suspect the threat of more bad publicity is the reason, rather than a willingness to help, but whatever works :)

They will draw this out in an attempt to get you to give up or until ill health intervenes, so keep your foot on the throat so to speak.

Appalling company, good luck!

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