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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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    • If you are buying a used car – you need to read this survival guide.
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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.

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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.
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      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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Tenancy deposit not taken


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I went county court with my mum on Tuesday and the case was not heard as the judge recommended a 2 -3 hour hearing.

my mum is being taken to court for not protecting a deposit.

but my mother has a signed and witnessed assured short hold tenancy agreement that clearly shows that no deposit will be taken.

the tenant was claiming housing benefit and a Discresionary housing payment was awarded and paid directly to my mums account but she thought it was rent in advance but the council have said it was a deposit, 

i have a witness statement from the claimant that states that she only had the first and last pages of a 7 page agreement which contain none of the particulars and also a confirmation from the council that the agreement that they have does not contain anything about rent, dates , deposit or anything other than my mums name and the tenants name, 

there is also in the housing act of 2004 chapter 4, section 213. Paragraph 8 under the heading tenancy deposit, which states !

  • tenancy deposit”, in relation to a shorthold tenancy, means any money intended to be held (by the landlord or otherwise) as security for—

    (a)

    the performance of any obligations of the tenant, or

    (b)

    the discharge of any liability of his,

    arising under or in connection with the tenancy.

(9)

 I would be very greatful any any of your views on this as the costs of defending this are alot
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Doesn't your mum have the original complete signed agreement?

Also, what about communication regarding the money that the council gave your mum?

There must be something in writing, otherwise the council wouldn't have transferred any money.

Should be easy to get the case dismissed if you find the paperwork and everything is above board. 

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Hi king. Yes she has the original signed and witnessed agreement. The council say they paid it as a deposit and sent my mum and the tenant confirmation of this but my mum thought they had uses the wrong terminology and thought it was rent in advance. In line with councils own policy on overpayments they would simply take it back on the next payment if wrong.

in the tenants witness statement they claim they only had the first 2 pages of the agreement which do not contain any of the particulars, I e the dates, the rental amount, how it is to be paid and whether or not there is a deposit. I it confirmed by two council employees that their copy of the agreement does not state anything about deposit, or rent in advance and the dates are wrong, tenant claims occupancy from 4th feb and agreement 15th. ?

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So they told your mum they were paying a sum of money as deposit, correct?

But in the agreement there's no mention of any deposit, correct?

Is every page of the agreement signed by the council official and tenant?

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Yes, Correct, in the agreement signed by all parties and each parties signiture is witnessed and signed by the witness, not each page but on the last page as it is required. 

In the agreement it states no deposit will be taken and rent payable in advance.

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Yes, last page as required, but leaves open the door for claims of falsification.

Always sign all pages of anything to be signed.

You will have a mission to convince the judge.

Have you spoken to a solicitor?

Have you got landlord insurance?

They usually cover legal disputes, check it out.

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