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    • Make that a pdf please.  All your details show in doc files under file info/properties Never use doc on an anon forum  
    • If necessary are you prepared to issue a legal action?  The cost of starting the claim would be 5% of the amount you are claiming and of course if you won the case then you would get the money back but if you lost then you wouldn't get it back so this is a risk factor that you need to take into consideration the.  We can send a letter to the finance company telling them that 8 weeks is too long but you can be certain that they don't care about you.   
    • Your credit file should tell you what type of credit it is and who was the original creditor and what the defaulted date is, as well as the last payment date.  All those we need   And those letters to date   Dx
    • At the moment its parked up. I only drive it when I collect my sister from hospital. After this I shall not purchase any other vehicle. I have a company van, however I can not use this for collecting my sister from hospital. So the actual branch I collected it from Wimbledon is only around 8 miles away. However, their after sales centre is around 70 miles away. To be honest I dont want to go back to Wimbledon due to the staff and their behaviour. Big motoring world are pure evil for subjecting people to go through what they have to    
    • lolerz – I have  a query about a ‘payer’ not being responsible.   On hmrc website there's a section about 'joint and several liability'....  It appears j&sl could apply if "hmrc believe it can show that you knew or had reasonable grounds to suspect that VAT would go unpaid".    Hmrc check to see if there is "sufficient evidence on a balance of probabilities to show the requisite knowledge or reasonable grounds for suspicion".    In my matter, the email dialogue indicated their joint aim was to keep costs low.  Vat was not included on any invoices - even though the budget clearly exceeded the vat threshold.  I think this was deliberate by both parties.  And a potential consistent pattern of behaviour that’s bigger than me and my issues. A few years ago the lender set up a department to refurb repossessed properties.    How many times have they knowingly used a contractor who doesn’t charge vat?    How many times have they done works and added costs - each time excluding vat – to a borrower’s accounts?  (ie not in their own name).  The evidence I have indicates they do this often.  This indicates they are potentially regular facilitators (maybe instigators) of vat fraud. The Govt website says if you notice tax fraud you 'must' disclose it.  I’m probably not being very articulate.  I just think they get up to things they shouldn’t and never expect to be found out.   The potential guilt of both contractor and lender doesn’t benefit me.   Other than it would prove what scoundrels they are.   
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    • 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

New Bailiff Section - Discussions - Information - Press Releases


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In order to keep the Bailiff forums a bit tidier it was decided to provide a new section where those who wish to discuss - provide information or press releases could do this.

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?474-Bailiffs-and-Enforcement-Industry-General-discussions

 

This will allow those new threads where people are asking for specific help, to be more visible.

 

It will also make searching for information or discussion threads easier to locate.

 

The new section is open to EVERYONE, even those visitors who are not registered. Links for those who are already subscribed will still work.

 

We will also provide signposts in the CAG library for the new section.

 

When posting in the new section, it would be beneficial to others to make it quite clear in the thread title or in the first post if this is to be a Discussion thread, inviting others to take part or if it is an Information thread which caggers should take note of and perhaps even follow for updates.

Edited by citizenB

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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