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    • Good morning,   I just left bigmotor and return the vehicle. Staff from bigmotor wasn’t helpful they start from the beginning I need to have appointment. They mentioned there is no one today from after sell who can assist me today aswell. After few min  manager come to talk with me and collect all documents. All conversation has been recorded with full names for both people who was dealing with me in the store.   Thank you     
    • London1971 - he's sick. He & his partner would like to dispose of or utilise via a rental his uk assets and/or to have access to his own £s (including his pension) - to make his end of days more pleasant.  It seems that is now only going to be possible for his partner via probate if Barc won't unblock his account.   HB - sorry I didn't mean to appear rude. I just meant this post will probs end up having to be morphed over to barc threads ! I do appreciate your input
    • I am quite happy to give a breakdown of what happened yesterday in court, and most certainly if it helps anyone. As you can imagine it was quite nerve wracking, despite knowing I had done no wrong there is always a nervousness that things can go against you. As such, I will confess to not remembering legal terms used etc but will try my best. On arrival at court I was, once again, asked by the claimants representative if I wanted a chat in a consultation room. DWF / Adidas do not send their own solicitor , they use a local company of representatives who all seem well known to court staff and judges. This was the 3rd time I had been to the court and on each occasion it was a different representative. I believe the advice on here is to not get involved in these little chats but I felt comfortable with them. First two occasions they did try to talk me into coming to an agreement but this time he just ran through what would happen in court. Not relevant to anybody else's case but this guy was more interested in my Thai Tattoos as he was a Muay Thai fighter and planning a trip to Thailand to fight out there !! When the time came we were ushered into court and took our seats in front of a judge who was already seated. I have to say it was surprisingly relaxed despite my being nervous. The judge called the representative by name and advised that the rep knew him well, knew he had a "straight to the point" attitude towards civil cases and didn't accept pointless waffle. He then outlined the case and spoke to me advising that he was aware I had no legal background and if any of the legal terms he was required to use were not self explanatory to me just to ask a question. Adidas WS had been written by a Senior Manager of Risk Prevention based in Amsterdam and the judge asked if he was attending. He seemed a bit taken aback when advised he would not be. He questioned how it was deemed as "fair" that I could be cross examined but the Adidas employee could not. The adidas rep said that he had a list of questions he had been instructed to ask of me, but that he felt my replies would all be denial so agreed not to cross examine.  The judge, during his summary, came to the part where adidas said I had contacted them asking where my refund was, and they had paid me due to "customer appeasement". His exact words were "the defendant would have to have some brass neck to actually phone chasing a refund for items he knew he had not returned". He also commented that Adidas had claimed that the return went to an altered postcode but did not include an example of what their return label would have looked like at the time, which seemed and obvious bit of evidence to him. The judge then commented that he thought it would be very difficult to prove that I was responsible for Adidas not receiving their returned goods. He then handed over to the claimant to put forward their claim. The claim really consisted of their rep reading through their WS and highlighting things which "proved" my guilt. They had discovered on internet forums that people were altering the postcode and sending out empty envelopes in the place of the goods. This was known as FTID (False Tracking ID) and Instant Refund. Apparently I was refunded within 18 minutes of my parcel being scanned at the Post Office. He also suggested that the altered postcode was pretty damning. This took maybe 15 minutes for the full reading. The judge asked if I had any questions and advised that I didn't need to prove my innocence, they had to prove my guilt.  I did make a couple of comments but really could have said nothing. I advised that when returning items to a post office, the first thing they ask you to do is put the parcel on the scales, which made a mockery of the empty envelope theory. They then scan the bar code or QR code, which would require in depth knowledge to be able to alter. I asked if adidas had been to this "altered" post code to recover the goods. The tracking provided by Royal Mail remarked "delivered no signature" I pointed out that adidas claim I was refund within 18 minutes but also say they refunded me following a call I had made chasing my refund, a total contradiction The judge then moved onto his decision. He started by saying that he had no doubt whatsoever that Adidas not received the returned goods. At this my stomach totally dropped.  He then said he had absolutely no doubt that I had returned the goods in good faith, and that the return system was obviously flawed for Adidas to have lost £10.4m. Adidas had provided absolutely no evidence to prove otherwise, and on that basis case dismissed. I walked out to the car park with the Adidas rep who advised me that there was absolutely no chance I was ever going to lose. If he had told Adidas what he thought of their case and evidence he wouldn't get any more work, they had no case whatsoever I am quite certain I will have missed some details of the day so quite happy to answer any questions that may jog my memory
    • Fair enough, I'll stand down. HB
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      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.  

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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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Comparison sites still hiding cheapest deals


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Comparison sites accused over calls

 

The "big five" comparison websites are directing callers to energy tariffs that earn them commission despite being asked for the cheapest deal - months after they faced allegations that they used similar tactics online, it has been claimed.

 

Collective switching website The Big Deal has released recordings of phone calls and transcripts from last month in which it claims that all five of the biggest comparison sites - uSwitch, Go Compare, MoneySuperMarket, Compare the Market and Confused.com - failed to mention deals that did not pay them a commission.

 

In the case of uSwitch, the difference between what it claimed was the cheapest deal and the actual lowest tariff was £60, The Big Deal said.

http://www.dailymail.co.uk/wires/pa/article-2935857/Comparison-sites-accused-calls.html

 

 

You can read the phone call transcripts here:

https://thisisthebigdeal.com/blog/PCW-Miselling-Over-The-Phone

 

 

Last October it was revealed that the price comparison sites were hiding the cheapest “switching” deals in favour of suppliers who pay them commission.

 

 

Consumers were only given access to the full range of deals – that is, including suppliers who did not pay the sites commission for referring potential customers – if they unticked pre-selected boxes.

 

Confused and MoneySupermarket have since stopped hiding energy deals, but uSwitch, Go Compare and Compare the Market still only show deals they make commission from by default.

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Absolutely true. I had got lazy in the last 2 years and only used one comparison site, partly because the other half insisted on the fluffy toy. Imagine my shock when I checked out another money saving comparison site that I go to regularly to find renewing my car insurance well over 100 pounds (40%) cheaper for very similar (better it seemed to me) cover with a number of 'name' brands .....

 

oops

I realise this is utilities thread, but the concept goes way beyond simply comparing utility costs - and isnt insurance as important?

Check on multiple comparison sites for everything folks - don't get lazy like I did.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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most comparison sites exist to make money for the owner of site, so they would only show deals that would earn the website money

 

the comparison sites are not there out of the goodness of their own heart to help people find the cheapest deal.

 

for the cheapest deals, it is better not to use comparison sites and to go direct to companies.

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for the cheapest deals, it is better not to use comparison sites and to go direct to companies.

 

Absolutely INCORRECT.

Firstly, many companies offer special web only deals, but even they don't compare with the deals on the comparison sites.

 

I think there are very few people around nowadays who get offered a good deal without at the very least threatening to leave a company.

I remember the time before comparison sites. Its way better now - just ensure you go to multiple comparison sites. It only takes a few more minutes.

 

 

EVERY time I have gone direct to a company (yes EVERY time) I have :

 

a: Always had better deals (often many better deals) from the comparison sites

 

b: Almost always got a better deal from the comparison site even deals from the same company I tried direct, and never worse.

 

c: Even when talking to the sites direct I have usually been offered better when I decline the direct contact offers, with them usually still not even matching themselves on the comparison site deal.

They often say that the deal that they are offering (higher than themselves on the comparison site) is the BEST they can offer!

 

As a specific example of one that doesn't use the comparison sites, I have NEVER, EVER, had direct line offer me a competitive deal, let alone an outstanding one.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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  • 3 weeks later...

hi tobyjugg,

 

I am not 'Absolutely INCORRECT' as you state. Our experiences differ. You have found that you have obtained cheaper deals from comparison sites, whilst I have found cheaper deals from companies direct, most not on comparison sites.

 

If somone wants the cheapest possible deal, then they should use comparison sites as a tool, but also search for other companies which are not on comparison sites.

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  • 4 weeks later...
hi tobyjugg,

 

I am not 'Absolutely INCORRECT' as you state. Our experiences differ. You have found that you have obtained cheaper deals from comparison sites, whilst I have found cheaper deals from companies direct, most not on comparison sites.

 

 

 

If somone wants the cheapest possible deal, then they should use comparison sites as a tool, but also search for other companies which are not on comparison sites.

 

 

which is very different to your initial statement

 

for the cheapest deals, it is better not to use comparison sites and to go direct to companies.

 

which I quoted and IS absolutely INCORRECT as I stated.

It is NOT better NOT to use comparison sites,

 

 

 

 

 

some recent info, also re compensation/money back

 

'..Now, the Commons Energy and Climate Change Committee says "duped" customers should get some money back.....

http://www.bbc.co.uk/news/business-31661858

 

Thanks for the link Ford,

Shame that its just political grandstanding (is there any other form of politics other than take the money and quietly look after those who pay you)

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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FWIW, I recently renewed my car insurance

 

I used Confused, GoCompare and Topcashback Compare. Swinton were the lowest with all 3, each over £500.

I went direct to Swinton (after clearing cookies) got a quote for £324 and £75 chequeback. Massively cheaper going direct in my case.

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FWIW, I recently renewed my car insurance

 

I used Confused, GoCompare and Topcashback Compare. Swinton were the lowest with all 3, each over £500.

I went direct to Swinton (after clearing cookies) got a quote for £324 and £75 chequeback. Massively cheaper going direct in my case.

 

Excellent in your case. I also tried swinton and direct line, neither of whom were competitive although both said if i told them what my best quote was they would beat it.

Direct Line reluctantly did by a penny, Swinton pretty much insinuated I was lying.

 

Have you read the Swinton threads?

 

(I did have a Norwich Union motorcycle rider policy through Swinton for a long time many many years ago, and have had house insurance through them for 1 year which I moved when the policy renewal doubled at the end of the first year for no apparent reason)

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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No I haven't read any of the threads, but they were massively cheaper than other companies, I had a non fault accident last year which put my premiums up massively, they were so much lower I actually double checked they had took note of the accident, the next cheapest was about £750 by some company I'd never heard of, then most were about £900, so £250 inc chequeback was massively cheaper. Direct Line were £1900 but they have always been way over the top for me, so have never used them. Lets hope I never have o use hem apart from paying them :)

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No I haven't read any of the threads, but they were massively cheaper than other companies, I had a non fault accident last year which put my premiums up massively, they were so much lower I actually double checked they had took note of the accident, the next cheapest was about £750 by some company I'd never heard of, then most were about £900, so £250 inc chequeback was massively cheaper. Direct Line were £1900 but they have always been way over the top for me, so have never used them. Lets hope I never have o use hem apart from paying them :)

 

 

Not doubting you in any way but if I were you I would very carefully check my policy and ensure all the details, including the accident have been properly registered.

 

1/3 the price of everyone else really does sound too good to be true (not doubting you), but just make sure that the swinton saleperson hasn't misrepresented you to get a sale. They will of course blame you if that is the case and consider the insurance void if it does come out after an accident.

 

It may be a very impressive new customer discount, but its worth checking for your own peace of mind.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Thanks for the link Ford,

Shame that its just political grandstanding (is there any other form of politics other than take the money and quietly look after those who pay you)

 

never know, something positive may result from their involvement. that stops the consumer being ripped off, hopefully :)

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Not doubting you in any way but if I were you I would very carefully check my policy and ensure all the details, including the accident have been properly registered.

 

1/3 the price of everyone else really does sound too good to be true (not doubting you), but just make sure that the swinton saleperson hasn't misrepresented you to get a sale. They will of course blame you if that is the case and consider the insurance void if it does come out after an accident.

 

It may be a very impressive new customer discount, but its worth checking for your own peace of mind.

 

It was done online, then I checked over the phone it was recorded correctly ;)

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It was done online, then I checked over the phone it was recorded correctly ;)

 

Congratulations, Thats got to be the widest % margin I have ever seen between a cheapest and the next cheapest for car insurance based on them all having the same information. :)

 

I thought my recent 40% difference between the (poor) best on the meerkat and the best on moneysaving (although there were lots of others near the price on moneysaving) was epic. You hammered it.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Share on other sites

I think clearing cookies is quite important too, especially if you clicked on a quote from a comparison site. I've always had cheaper quotes by not going through comparison sites tbh, well certainly over the past 5 years or so. Even using topcashback and going to the insurer direct gets better quotes, obviously thats just me amd others are likely to be different.

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If I only used the meerkat comparison site, I would probably be able to get cheaper direct quotes somewhere, but using multiple comparison sites has always been the best options from what I have experienced.

Even the 'beat any quote (by a penny)' direct companiesc would not go anywhere like as low without the comparison sites driving the competition up and the prices down.

 

There will always be exceptions, but consider how many sites you could realistically ring and how many you would miss without the comparison sites. You can be certain those exceptional deals would not be there, or findable without the higher competition.

 

I remember the days when you used to ring around a dozen companies to get quotes, and then 3 months after you had bought one, hearing someone say they got a better deal elsewhere, which wasn't there next time your renewal came up.

 

Even with the fiddling going on, I have absolutely zero doubts that getting good insurance quotes is far easier and better since multiple comparison sites started up.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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Share on other sites

I agree and I always start with the comparison sites, usually use at least 3, but I always tend to find a pattern emerging, 4 or 5 companies usually give the best 3 quotes across them all. I then use those 4 or 5 to get direct quotes on a clean browser, and re-run them using Topcashback. Last year there wasn't much of a difference but Liverpool Victoria came out about £40 cheaper direct, through topcashback it was only £30 and coppers cheaper, but they were offering £35 cashback do did it that was instead, as the cashback meant an extra £25 over going direct :)

 

Its a bit of a hassle and takes maybe an hour, but even last year saved £65, way I look at it, if someone offered me £65 for an hours work typing on a computer then I would do it no problem, so this is the same :)

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I think clearing cookies is quite important too, especially if you clicked on a quote from a comparison site. I've always had cheaper quotes by not going through comparison sites tbh, well certainly over the past 5 years or so. Even using topcashback and going to the insurer direct gets better quotes, obviously thats just me amd others are likely to be different.

 

That is what I found

:mad2::-x:jaw::sad:
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  • 1 month later...
I agree and I always start with the comparison sites, usually use at least 3, but I always tend to find a pattern emerging, 4 or 5 companies usually give the best 3 quotes across them all. I then use those 4 or 5 to get direct quotes on a clean browser, and re-run them using Topcashback. Last year there wasn't much of a difference but Liverpool Victoria came out about £40 cheaper direct, through topcashback it was only £30 and coppers cheaper, but they were offering £35 cashback do did it that was instead, as the cashback meant an extra £25 over going direct :)

 

Its a bit of a hassle and takes maybe an hour, but even last year saved £65, way I look at it, if someone offered me £65 for an hours work typing on a computer then I would do it no problem, so this is the same :)

 

Did you try moneysaving at all?

A number of quotes on moneysaving were far cheaper than any on gocompare or the meerkat for me. The latter two were much the same.

The Tory Legacy

Record high: Taxes, Immigration, Excrement in waterways, energy company/crony profits

Crumbling: Hospitals, Schools, council services, businesses and roads

If only the Govt had thrown a protective ring around care homes

with the same gusto they do around their crooked MPs

 

However bad you think things are ..

Could be worse - could be Farage

Has he moved to clacton yet?

 

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