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    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 3 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
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      • 0 replies
Indie12

Car auction and motorhog

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Hi,

 

I purchased a car from motorhog via an auction site. I wanted to cancel the sale but i am being told by motorhog that because the vehicle has been paid for i cannot cancel the sale.

 

Just wondering what my rights are and whether motorhog are actually telling the truth? I am within 7 days of purchase and i also agreed to pay a cancellation fee. The vehicle i purchased has mileage issues and motorhog stated there is no guarantee the vehicle will start and drive upon collection eventhough the listing stated it does. I am taking responsibility for not doing an hpi check prior to bidding on the vehicle hence the cancellation fee.

 

I know the rules and regulations surrounding auctions is a little more complicated so just looking for some advice.

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look at the t&c's of the auction site?

 

stil think gdpr short term right to reject applies


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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If the listing says its startable and driveable, and you get it and it doesnt... then theres an immediate reason to get your money back.

 

But you need to look at the auction rules, and hunt around for the right to reject rules


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

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How did you pay?


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The auction site is car transplant, they have said they only list vehicles on customers behalf and i have to go direct to motorhog who own and listed the vehicle on car transplant.

 

- - - Updated - - -

 

I paid via debit card through car transplant

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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 OTHERS

 

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

 

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

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I purchased the vehicle online

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Your right to cancel an order for goods made at a distance starts from the moment you place your order and ends 14 days from the day you receive your goods

 

 

http://www.legislation.gov.uk/uksi/2013/3134/made


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 OTHERS

 

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

 

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

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Your right to cancel an order for goods made at a distance starts from the moment you place your order and ends 14 days from the day you receive your goods

 

 

http://www.legislation.gov.uk/uksi/2013/3134/made

 

However Section 28(g) of the above legislation excludes coverage to contracts concluded at a public auction.

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Except that this was not a public auction as defined by the Regulation.

 

public auction” means a method of sale where—

(a)goods or services are offered by a trader to consumers through a transparent, competitive bidding procedure run by an auctioneer,

(b)the consumers attend or are given the possibility to attend in person, and

©the successful bidder is bound to purchase the goods or services;


My time as a Police Officer and subsequently time working within the Motor Trade gives me certain insights into the problems that consumers may encounter.

I have no legal qualifications.

If you have found my post helpful, please enhance my reputation by clicking on the star. Thank you

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Contracts concluded at a public auction. However, this exemption does not apply to eBay and other online auctions. Therefore traders selling via so-called online auction sites will have to give consumers a right to cancel and comply with all aspects of these Regulations irrespective of whether they are selling the goods by auction or through 'buy it now' offers. A 'public auction' is defined in the Regulations as "a method of sale where:

 

- goods or services are offered by a trader to a consumer through a transparent, competitive bidding procedure run by an auctioneer

- the consumers attend or are given the possibility to attend in person

- the successful bidder is bound to purchase the goods or services"

 

https://www.businesscompanion.info/en/quick-guides/distance-sales/consumer-contracts-distance-sales


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 OTHERS

 

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

 

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

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Hi All,

 

I have recieved the response below following my email to motorhog:

 

"The sale cannot be cancelled you won the vehicle you paid for the vehicle you would need to collect your vehicle or alternatively you can enter the vehicle as a private entry"

 

This is the second email from them both stating the sale cannot be cancelled.

 

I will be charged storage charges soon if i dont collect the vehicle, does anyone have a draft email i can send to them as one last attempt in trying to resolve this with motorhog?

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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 OTHERS

 

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

 

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

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Except that this was not a public auction as defined by the Regulation.

 

public auction” means a method of sale where—

(a)goods or services are offered by a trader to consumers through a transparent, competitive bidding procedure run by an auctioneer,

(b)the consumers attend or are given the possibility to attend in person, and

©the successful bidder is bound to purchase the goods or services;

 

My comment was made on the understanding that there was an option to attend in person, as there is with most 'normal' motor auctions. If not then I happily stand corrected.

 

However, the site Terms appear to be clearly stating that by registering with them as a bidder you are declaring yourself to be a trader and not a consumer. OP did you register with them on this basis?

 

* The user acknowledges that our business is that of selling used, recovered stolen, accident-damaged and/or insurance write-off vehicles and other used goods.

* As such the user acknowledges that as a registered Trade Member you are a trader in such vehicles and/or other goods and, whether or not this is your first occasion that you are using our Services, you are purchasing all Lots with a view to your trade and with a view to a profit.

* The user expressly acknowledges and agrees that you are not a consumer of our services, but a trade purchaser. As such you accept that it is fair and reasonable in all circumstances for us to exclude, restrict or limit (as the case may be) our obligations and liability to you in respect of the lots we offer for sale on behalf of sellers (who on occasion may be us).

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well we'd have had no PPI reclaiming nor bank charges reclaiming if T&C's were legally enforceable without question


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Now if it is B2B then the CRA doesnt apply. the site is geared up for trade only so they can have such terms but then they should have taken steps to stop any old Joe Soap from bidding such as demanding their VAT number before accepting your registration.

being a nuisance to them is probably your best bet. How did you pay? reversing the payment may be a possibility

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