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    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
    • Hello all,   I ordered a laptop online about 16 months ago. The laptop was faulty and I was supposed to send it back within guarantee but didn't for various reasons. I contacted the company a few months later and they said they will still fix it for me free of charge but I'd have to pay to send it to them and they will pay to send it back to me. The parcel arrived there fine. Company had fixed it and they sent it via dpd. I was working in the office so I asked my neighbours who would be in, as there's been a history of parcel thefts on our street. I had 2 neighbours who offered but when I went to update delivery instructions, their door number wasn't on the drop down despite sharing the same post code.  I then selected a neighbour who I thought would likely be in and also selected other in the safe place selection and put the number of the neighbour who I knew would definitely be in and they left my parcel outside and the parcel was stolen. DPD didn't want to deal with me and said I need to speak to the retailer. The retailer said DPD have special instructions from them not to leave a parcel outside unless specified by a customer. The retailer then said they could see my instructions said leave in a safe space but I have no porch. My front door just opens onto the road and the driver made no attempt to conceal it.  Anyway, I would like to know if I have rights here because the delivery wasn't for an item that I just bought. It was initially delivered but stopped working within the warranty period and they agreed to fix it for free.  Appreciate your help 🙏🏼   Thanks!
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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.

      Please can you advise what I need to do today to get this done. 
       

      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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Hi, I am new to the forum so please be gentle. About 3 years ago I was caught shoplifting from Boots. This was something I am extremely ashamed of, as when it happened I was going through an extremely difficult time after suffering a miscarriage. The item in question was ovulation test strips, hence the connection to the emotional pain I was going though after loosing my baby. I know there was no excuse. I received what I can only vaguely remember was a lifetime ban from either that particular store or all Boots. I learnt my lesson and have never done anything like this again and never intend to, I was just in a bad place at the time. Anyway, today I needed some bits for my miracle little 1 year old and for myself. Since he was asleep and Boots was the closest shop with what I wanted to purchase, I decided to go in. I promptly got what I needed, as I felt very anxious being in there and even had help from one of the staff members that I requested. Nothing was said and no one approached me. Now I am in a total panic that I am going to be arrested after the fact for criminal treaspass as it was the store I stole from. Can someone please give me some advice. Am I overreacting?? What would have happened if someone recognised me? Would I have just been asked to leave or would the police have been called? Can they inform the police that I entered the store while on ban, even though I paid for my items and made it a point to have a staff member talking to me the whole time as to not be accused of intending to do something. I just feel so guilty and ashamed even to this day and it's been 3 years. Any answers would be great, feeling very anxious and scared as I learned by my mistake and realise I was not well at the time of the original incident. Thanks in advance.

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In 3 years many staff have come and gone.

Even if some staff are still there from 3 years ago, it's near impossible that they'll remember you.

They see thousands of people every day and it's only natural to forget faces.

They also see many shoplifters every day and they forget them too.

Don't worry 😊

Worst case scenario you would be asked to leave, but I would be very surprised if they asked a young mother with baby to leave.

Again, forget about it

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If a store called the police because they thought they recognised a customer as being a shoplifter from years back the police would tell them to stop wasting their time and either ask the person to leave or suggest that being clairvoyant is not part of the criminal justice system.

What will never happen though is being arrested for deliberately paying for something you have chosen.

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You can absolutely rest assured that you will never hear anything more about this. After three years, any memory of your face, name etc will certainly have been forgotten, and most likely any written record of the event will also have gone. Staff see many thousands of people, and even the security guards, if they haven't all left and been replaced, will not recall you from the many people that they have dealt with in the time since.

 

You have moved on and so have the other people involved - you are now just another customer. Even if you had gone in after a couple of weeks and been recognised the effect of a ban is that as a trespasser you would be asked to leave. There would be nothing for the police to get involved in as that would have been a civil matter.

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