Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • 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
      • 160 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

Bryan Carter letter of cliam


rhos123
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3228 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

Hi rhos

 

To the best of my knowledge SCM are Lloyds employees in the office next door.

 

http://www.bankactiongroup.com/forum/showthread.php?225605 post 15#

 

thanks rebel11, i thought so i have informed them of my current situation, so all the threats in their letter are indeed pointless

i have told them in writting that i am unemployed, i have no assets, etc, i send them a token payment each month and they cash the p/o. then they send this letter:jaw:

Link to post
Share on other sites

How old is this loan?

 

If you've informed them of your circumstances by phone, it's been a time waste. If you've done it by letter without sending by rec. delivery, it's probably also been a time waste. By the tone of the letter, they're saying that you haven't communicated at all.... which would make a CCJ by default very easy for them at this stage.

 

Everything needs to be in writing and everything needs to be by rec. delivery.

Link to post
Share on other sites

How old is this loan?

 

If you've informed them of your circumstances by phone, it's been a time waste. If you've done it by letter without sending by rec. delivery, it's probably also been a time waste. By the tone of the letter, they're saying that you haven't communicated at all.... which would make a CCJ by default very easy for them at this stage.

 

Everything needs to be in writing and everything needs to be by rec. delivery.

 

hi, thanks for the reply, the loan was taken out jan 2007, i have indeed informed them by letter i allways send recorded delivery

Link to post
Share on other sites

hi, thanks for the reply, the loan was taken out jan 2007, i have indeed informed them by letter i allways send recorded delivery

 

Ok... just checking.... :-)

 

You'll need to write another to this bunch then, enclosing a copy of your last correspondence to Lloyds and anything they've written back to you agreeing to your proposals.

 

It would be far easier if they just talked to each other instead of trying to put frighterners on people....

Link to post
Share on other sites

Ok... just checking.... :-)

 

You'll need to write another to this bunch then, enclosing a copy of your last correspondence to Lloyds and anything they've written back to you agreeing to your proposals.

 

It would be far easier if they just talked to each other instead of trying to put frighterners on people....

 

hi, thanks for your reply, maybe a short simple letter to them would do?. dear sir/madam due to the lack of communcation by yourselfs and indeed your client i have indeed explained my current situation to yourselfs and indeed your client therefore i welcome the the courts judgement with regard to this matter!

Link to post
Share on other sites

Something like that. If you include copies of correspondence, then they'd be pretty stupid to plough ahead with court action regardless as it'll achieve nothing.

 

thanks for that. i may indeed call thier bluff i do indeed have copies of all correspondence i know one thing it will not be ME looking stupid before the county court judge

Link to post
Share on other sites

Oh dear **** are at it again. They can't even get a threat-o gram-right.

 

They contradict themselves by saying that they MAY apply for BR. They cannot as the alleged debt is under £750. Where they got £1500 from is anyone's guess. They are actually a firm of solicitors and do a lot of work for LTSB. I have had a rather 'interesting' encounter with them myself some years ago.

 

They aren't the brightest in the toolbox and can be extremely nasty and rude, allegedly.

 

NEVER speak to them on the phone, just refuse to answer security questions. EVERYTHING IN WRITING ONLY from now on :) Keep copies of everything.

 

You're right in that they would look pretty stupid in front of a county court judge when you have made offers to pay and that they have been cashing your payments.

Link to post
Share on other sites

They can't go to court for the alleged arrears. It has to be the full amount or nothing as it is an abuse of court process to 'split' claims. *rolls eys in disgust at ****'s ineptitude, flagrant disregard for the law and their sheer stupidity* Allegedly, of course ;)

Link to post
Share on other sites

As an aside...How much are the arrears?

 

If they do issue a claim for the arrears they CANNOT collect the balance ;)

 

the arrears amount is what they want me to pay in thier letter. as the deadline in their letter has now passed, and i have not paid them. would they be daft enough to issue a claim for the arrears?

Link to post
Share on other sites

  • 4 years later...

what was the contents of the letter? or do you mean you have received a court claim?

 

an account cannot be defaulted twice

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

old and new threads merged.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

so its wait 5yrs and try again then by the looks of things

 

 

when did you cease payments

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

hi, dx 100 , i think sometime in 2009. as lloyds defalted the account in may 2010

heard nothing from them, not even a annual statement, had a few letters from lowells a few months ago wanting payment?

and now a letter of claim from carters? :???:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...