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    • Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    
    • That's fine - I'm quite happy to attend court if necessary. The question was phrased in such a way that had I declined the 'consideration on the papers' option, I would have had to explain why I didn't think such consideration was appropriate, and since P2G appear to be relying on a single (arguably flawed) issue, I thought it might result in a speedier determination.
    • it was ordered in the retailers store  but your theory isnt relevant anyway, even if it fitted the case... the furniture is unfit for purpose within 30 days so consumer rights act overwrites any need to use 14 days contract law you refer too. dx  
    • Summary of the day from the Times. I wasn't watching for a couple of interesting bits like catching herself out with her own email. Post Office inquiry: Paula Vennells caught out by her own email — watch live ARCHIVE.PH archived 23 May 2024 11:57:02 UTC  
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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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New car purchase consumer rights


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My problem now is.

I've ordered a new VW T roc from my local VW dealer on PCP and paid £250 deposit. I've put my Golf in p/x which was also on PCP with a small amount of negative equity on it, which will be encompassed within the PCP agreement payments for the new car. I'm happy with the cost.

The car is due for delivery in March.

Last night I discovered the VW T roc owners forum on the internet and there are 19 pages of comments by disgruntled new T roc owners complaining of there new car kangarooing in 1st gear and some also in 2nd gear especially when the engines cold. Apparently it's only on VW's new 1.5 petrol engine which I have ordered. The same is happening on the Skoda and Seat cars using the same new 1.5 VW engine.

These owners have taken there vehicles back to there respective dealers and they are unable to fix the problem. VW UK technical have got involved, sometimes they tell the owners they are not aware of any problem with the new engine, and sometimes say they are working on the problem and have been for months (they cant make there mind up which)

A couple of new owners are going to reject the new cars and others have sold them early because of the fault.

They are not happy because otherwise they really like the cars they have bought.

However some owners don't appear to have kangarooing fault.

My predicament is.....do I cancel the order and risk losing my £250 deposit, or keep it and take delivery.

If I take the chance and take delivery, and it has the kangarooing fault can I reject it immediately within 30 days without giving the garage the chance to fix it (which it seems they cant as VW UK Technical cant work out a fix)

If I reject it I can anticipate that with my luck I will end up with a big battle with the dealer and VW finance.

If they do accept the vehicle back will they return the Golf to me, what if they have sold it?

Shame really because I've bought a few VW's from this dealer before and I've always been impressed with them.

I also really like the car.

Problem is with VW they have left there reputation in tatters with the emissions scandal, that's always in the back of my mind.

£21K is a lot of money if the car turns out to be a lemon which cant be fixed!

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My problem now is.

I've ordered a new VW T roc from my local VW dealer on PCP and paid £250 deposit. I've put my Golf in p/x which was also on PCP with a small amount of negative equity on it, which will be encompassed within the PCP agreement payments for the new car. I'm happy with the cost.

The car is due for delivery in March.

Last night I discovered the VW T roc owners forum on the internet and there are 19 pages of comments by disgruntled new T roc owners complaining of there new car kangarooing in 1st gear and some also in 2nd gear especially when the engines cold. Apparently it's only on VW's new 1.5 petrol engine which I have ordered. The same is happening on the Skoda and Seat cars using the same new 1.5 VW engine.

These owners have taken there vehicles back to there respective dealers and they are unable to fix the problem. VW UK technical have got involved, sometimes they tell the owners they are not aware of any problem with the new engine, and sometimes say they are working on the problem and have been for months (they cant make there mind up which)

A couple of new owners are going to reject the new cars and others have sold them early because of the fault.

They are not happy because otherwise they really like the cars they have bought.

However some owners don't appear to have kangarooing fault.

My predicament is.....do I cancel the order and risk losing my £250 deposit, or keep it and take delivery.

If I take the chance and take delivery, and it has the kangarooing fault can I reject it immediately within 30 days without giving the garage the chance to fix it (which it seems they cant as VW UK Technical cant work out a fix)

If I reject it I can anticipate that with my luck I will end up with a big battle with the dealer and VW finance.

If they do accept the vehicle back will they return the Golf to me, what if they have sold it?

Shame really because I've bought a few VW's from this dealer before and I've always been impressed with them.

I also really like the car.

Problem is with VW they have left there reputation in tatters with the emissions scandal, that's always in the back of my mind.

£21K is a lot of money if the car turns out to be a lemon which cant be fixed!

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As you have presumably entered into this contract at the dealership, it is not subject to the distance purchasing regulations which would have allowed you to have a 14 day cooling off period after you had taken delivery of the car.

 

This means that if you want to cancel then you do stand a chance of losing your deposit. On the other hand, as you have already suggested, if a defect occurs within the first 30 days then you have an absolute right under the Consumer Rights Act to return the car and to demand a refund along with any other losses you might reasonably have incurred such as insurance penalties for early termination, et cetera et cetera.

 

In order to benefit from the short-term right to reject you would have to notify the garage preferably in writing and make it very clear that you are asserting this right.

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By the way, you can also go back to the VW forum and tell them that if they want help dealing with obstructive dealers and they should come here for free, no strings support and advice

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By the same token with a motor vehicle they cna deduct a percentage for "use" and this could be more than the £250 so one needs to be careful.

Perhaps a better idea would be to see if the dealer is willing to transfer the deposit to another model in the same brand?

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I don't for a moment believe that the courts will accept that there has been any "use" of the vehicle which has only recently been ordered and is not due for delivery before March.

 

The deduction for use as nothing to do with depreciation. It has to do with the value which the consumer has had from the vehicle. Clearly in this case it would be zero

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Can you reject the car within the 30 days without letting them attempt a fix, or will an attempt of a fix by the dealer erode my rights?

 

I only ask this because it seems VW Technical themselves haven't worked out a fix yet.

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You are under no obligation to allow them to attempt a repair. I would say that if you did allow them to repair then you move to the six months right to reject which basically puts you into the same position – they attempt to repair, the repair fails, you are entitled to reject the vehicle.

 

The thing to do is to put it to them in writing and make sure you have a copy – that you have asserted your rights.

 

Of course bear in mind that there must be thousands of VW's which work perfectly well. You could just as well take delivery of the car and then test it out and as long as there was no defect, you carry on driving and you have the car that you prefer without any hassle. If it happens to be one of the minority – and surely it must be a minority – which develops a defect then you can fall back on your consumer rights.

 

Don't forget that the consumer rights act is not the be all and end all of everything. Just because six months expires doesn't mean that you don't have any rights. You still have the basic law of contract behind you and that means that you are entitled to have a car that perform satisfactorily for a reasonable period of time. If it starts to develop a fundamental defect in the first few years – and especially if that defect is put down to some inherent fault – then you are still in a position where you can insist on a repair and if they can't repair it or if the repair fails you can then say that they have breached the contract and you want to terminate it.

 

It's really not much more complicated than the CRA. The CRA does very little other than create rights in respect of minor defects which occur within the first six months – but it does not particularly amend or replace the existing contract law.

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  • 2 weeks later...

Out of interest who would be responsible for a new car rejection under 30 days. Would it be the VW dealer or Volkswagen Finance (PCP deal).

Personally I would say the dealer because they are he people I have made the contract with, am I right?

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Yes.

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