Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the xx/xx/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the xx/xx/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, xx/xx/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • 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
      • 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
  • Recommended Topics

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1917 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

Have a boiler policy with 24/7 home rescue. Never had a chance to use them in 14 months until recently. The boiler was making noises so they said they would send an engineer out and I need to pay the excess amount of £75 which I did via Credit card.

 

The engineer has been this morning and says that pump is faulty and will cost £295 to change and I need to speak with 24/7. Called them and they said that they only cover 60% of the cost of the value of the boiler and they value the boiler at £250. So they won't cover this issue.

 

I need the boiler fixed so called an independent engineer and he has given me a quote of £140 for parts and labor to fit the new pump.

 

I asked 24/7 to refund my excess as they did not do the job which they have refused.

 

This is clearly a con by 24/7. Under value the price of the boiler and over inflate the cost of the parts and fitting and any claim can be void. I was also not made aware of the condition that they would only pay 60% of the value of the boiler for any claims.

 

 

Any suggestions what I can do to get my £75 excess back? Chargeback?

 

Also should I take this any further?

Link to post
Share on other sites

Lots of reports of this company doing that. Write to them. Give them 7 days to give cleared funds in your account, then issue a chargeback if they dont.

 

Unless youve already told them to refund and they havent. In which case, chargeback as soon as you can.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Please can you tell us more about this company. Maybe you could provide a link to their website.

 

Also you should get an independent assessment of the value of your boiler.

Link to post
Share on other sites

Please can you tell us more about this company. Maybe you could provide a link to their website.

 

Also you should get an independent assessment of the value of your boiler.

 

The thing is that second hand boilers aren't worth much anyway. A new boiler now days costs £600. So 4-5 years down the line they will all be worth £200 https://www.247homerescue.co.uk/reviews/?gclid=Cj0KCQiAg_HhBRDNARIsAGHLV5365AWEJ4ULgjtR16exMwOf6k2FboEjh3n2zIIyBNOp3T2dZzTeJcUaAiq5EALw_wcB

 

- - - Updated - - -

 

Lots of reports of this company doing that. Write to them. Give them 7 days to give cleared funds in your account, then issue a chargeback if they dont.

 

Unless youve already told them to refund and they havent. In which case, chargeback as soon as you can.

 

Where do I stand legally on this though? Are they allowed to take money without doing the work?

Link to post
Share on other sites

What do their T&C's say

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

What do their T&C's say

 

I can't find the ones they sent me but I am sure they will have this in there. Is it better to just leave this and move on then. Just hate it when companies con consumers though.

Link to post
Share on other sites

I just checked and they did not send me any paperwork. Just googled them and it seems there are 100s of us with the same issue. All told that the cost of the part is beyond economical repair.

Link to post
Share on other sites

what does the policy say?

bear in mnd it is an insurance contract so going to the insurance ombudsman may cost them more than the work they didnt do but charged for. If they deny it is an insurance contract that could cause them more trouble as what ahve they being charging for?

 

I'm not sure that it is in an insurance contract – they certainly don't appear to be regulated by the FCA. In fact there is no reference to anything like that or even to "insurance" that I can see on their website.

 

If they were regulated by the FCA as a supplier of insurance then you could attack them very easily

Link to post
Share on other sites

They will probably argue that their cover under their contract includes sending out the engineer to investigate and identify the problem. You have received that service and therefore they are entitled to retain the £75 excess.

 

I haven't read their t&cs and can't say whether that is justified, but I'm guessing that will be their response. In effect you are liable for the first £75 of their engineer's call out charge. So a chargeback might not be successful.

 

According to this page they are not an insurance company and not regulated by the FCA. They list why they think that is advantageous to you but strangely forget to mention that one whopping disadvantage is that customers have no regulator who can intervene or investigate complaints!

 

https://www.247homerescue.co.uk/about-us/

Link to post
Share on other sites

I used my brothers card to pay for the call out. The policy is under my name. Can he turn around and say that he did not authorise the charge? Or that he paid for the repair and it was not done?

 

I was told its a excess and not a call out charge. Surely a excess is only payable when there is a claim?

 

What else are my options? Reading online reviews it seems the complaint to them is never successful? Small claims court? I know its only 75 but I hate it when these sort of companies con consumers.

Link to post
Share on other sites

I think that 24/7 are likely to be correct that the £75 is due to them. I haven't read their full t&cs though. That doesn't mean their service plan is fair or value for money, and I don't know whether the limit on the cost of repairs is properly publicised when you buy the product. That might provide a route for challenging it in court if you feel so inclined - misrepresentation or unfair contract terms.

 

The reason I think they are entitled to the £75 is this. You are buying a service plan from them. Not insurance. You have to pay for the first £75 of whatever you receive under the servcie plan. The service plan has several components. The visit from an engineer to investigate the fault in the boiler, the cost of parts, the labour ro carry out the repair. If you receive any of those you are receiving something under the service plan. In your case you have received something, a visit from an engineer who diagnosed the problem. Needs a new pump. So your are required to pay £75 towards the cost of the engineer's visit. It's irrelevant that the service plan in this case doesn't cover the new pump.

 

Let's hope your brother doesn't turn round and say he didn't authorise you to use his card. If he does then you used his card fraudulently.

Link to post
Share on other sites

  • 2 weeks later...

I called out some real engineers (British Gas) who have fixed the problem. It was a simple system vent required which should just be a call out charge and the water pump was ok. They have provided me written documentation of this.

 

So is this now a valid chargeback claim since they did not fix the fault? They had said the water pump was faulty and would cost £290 to repair.

Link to post
Share on other sites

Go back to 24/7 Home Rescue and inform them of the above first..you must exhaust your complaint before invoking a chargeback, also cancel this agreement and ask for a refund of your premium...if applicable.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...