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    • Just an update, finance company rejected my complaint saying they've found damage but can't tell when it's from even though I've shown them how the front end is misaligned in the advert photos compared to another identical model car they're selling.  Dealership now want to charge me to get the car brought back to me but will only discuss over the phone which seems off. They're also saying no damaged was picked up by JLR main dealership before I purchased it but my local JLR dealerships till this day haven't mentioned the damage to me because they don't go into stuff like that for some reason lol  Ombudsman case is still open, not sure if I should leave the car with them or just pay to have it brought back.
    • Hi all, I get esa and pip,  I have £1200 in arrears that I owed my ex partner, I have been paying £100 per month to clear this debt that was setup by standing order, as I have complex needs I forgot about this standing order and have overpaid mainternance by around £4000, I told CSA I am happy for my ex partner to keep overpayment I do not wish to seek anything back, however they have declined to take of the sum of £1200 and are still saying I owe this to my ex partner. In my second question it was announced that pip would stop for mental health, I don't understand the link below Disability benefits system to be reviewed as PM outlines "moral mission" to reform welfare - GOV.UK WWW.GOV.UK The Prime Minister has outlined a package of sweeping reforms to put work at the heart of welfare and... Does this mean my money is going to stop? I have spoken to my key worker and I am already recieveing help from mental health team and complex needs team along with connections and mind, I just don't get what is going on.
    • No, i haven't had one for about 10+ years. I am thinking of just going to the court in person and pay at the counter
    • I’m pleased to report the dealer has provided a full refund. He admits the vehicle wasn’t as described. This now closes the matter  
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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. 
       

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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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Hi Post Or Oz Or Anyone That Can Advise

I Have Recieved A Default Notice Today And I Like How It Takes Seven Days To Get To Me But I Need Some Advise About What To Do.my Account Is In Dispute Due To Non Cca And Ppi Claim.

Regards Ed

 

DEFAULT NOTICE pictures by edwi69 - Photobucket

 

 

As usual a defective default notice :rolleyes: make sure you keep the envelope even make a note on there what date it was received if its taken that long to get to you. Trouble now with being in dispute is payments should still be made so they are entitled to chase/collect but not enforce :mad:

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Cheers Beyondhope

There Was No Date On The Envelope It Was A Prepaid One Funny As All The Other Letters I Recieve Are Dated.i Have Noted Time And Date Recieved.

Regards Ed

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Hi Bebobebo

Yeah I Did Know That Justs Makes Me Laugh They They Havent Got My Cca And I Have A Letter Telling Me This So Why Try A Pull A Fast One With A Defective Dn,surely They Would Need It In Court So Really The Court Would Of Questioned Why They Had Not Supplied Me On The Several Attempts I Made.

Regards Ed

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Hi ed, i have just recieved today a default notice exactly the same as the one you have, are they proper notices or is it another effort to get us to cough up, my account has been in dispute for three months, they finally sent me statements and cca last weekend, i have tried to make a offer of early settlement but have heard nothing, but they seem to take forever to respond, this letter today had taken a week to arrive!!! any help would be appreciated many thanks

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Hi Shopkeeper12

Sorry For The Delay In Replying But Had A Day Out With The Kids

From What I Have Been Told And What I Can See Is It Is Just Another One Of Their Scare Tactics As You Say To Make You Cough Up,they Are Really Slow At Replying Due To The Amount Of Complaints And With Whats Going On Behind Their Doors Lol.

Regards Ed

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Hi Post

Could You Lend A Hand With This As I Am Stumped And Dont Know Where To Go Now,they Have Admitted Misseling Me The Ppi And Life Cover And Upheld The Complaint And Sent Me This Letter-STILL NOT THE RIGHT OFFER pictures by edwi69 - Photobucket

 

THEN I SENT THEM THIS LETTER-#360 (permalink

 

AND NOW THEY HAVE REPLIED TODAY SAYING

 

THANYOU FOR YOUR LETTER RECIEVED TODAY WITH REGARDS TO YOUR PAYMENT PROTECTION INSURANCE COMPLAINT.

 

I AM SORRY THAT YOU ARE NOT HAPPY WITH MY FINAL DECISION AND YOU HAVE ASKED ME TO RECONSIDER MY DECISION,BUT YOU NOT RAISED ANY NEW POINTS.

 

I HAVE INVESTIGATED YOUR COMPLAINT IN FULL AND HAVE MADE EVERY EFFORT TO ENSURE THAT YOU HAVE BEEN TREATED FAIRLY.I THEREFORE REGRET THAT I AM UNABLE TO CHANGE MY FINAL DECISION.

 

SOMEONE PLEASE HELP

REGARDS ED

Edited by edwi69
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HI POST

HERE IS THE LINK ITS ON THE LETTER WITH THE WELCOME LOGO ON IT

COUPLE OF LINES DOWN UNDER WHERE IT SAYS (MY CONCLUSIONS ARE)

YOU MIGHT LIKE THE LETTER AS THEY SENT ME A 100 POUND CHEQUE WITH IT FOR TELEPHONE HARASSMENT

REGARDS ED

 

TELEPHONE HARASSMENT COMPLAINT pictures by edwi69 - Photobucket

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luv it

 

where the hell did they get the banking code from

 

oh i forgot, they applied to be a bank and the oft said sod off

 

you complaint is under the cca and fsa (cretins)

 

in your posistion i would do the following

 

1/ account in dispute as no true cca or statement

 

2/ as welcome have now given a full response, nice paper trail by the way,

 

i would send the whole case file to the fos

 

welcome settle in full as late when they are involved and should be quite quick as you have done all the hard work

 

you could take this straight to court but the judge will want to know why the fos were not involved

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  • 3 weeks later...

Hi All

The Papertrail And Everything Has Today Gone To The Fos Hopeing It Should All Be Quite Straight Forward As All The Leg Work Has Been Done.it Has Been Nice And Quite No Letters Or Anything.

Just Gonna Sit Back And Wait Now

Regards Ed

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Hi All

The Papertrail And Everything Has Today Gone To The Fos Hopeing It Should All Be Quite Straight Forward As All The Leg Work Has Been Done.it Has Been Nice And Quite No Letters Or Anything.

Just Gonna Sit Back And Wait Now

Regards Ed

 

 

Best of luck Ed

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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  • 2 weeks later...

Hi Post

Sent My Ppi And Lc Paper Trail With The Letters That They Sent Me Saying I Was Missold Ppi And Lc And They Have Upheld My Complaint To The Fos.

Today I Recieved A Letter From The Fos And A Ppi Questionaire Saying They Wanted Me To Fill It In So An Adjudicator Can Make A Desicion But If Welcome Have Already Owened Up And The Fos Have That Letter Then Why Do The Fos Need This Filled In

Regards Ed

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HELLO ALL

ANY ADVICE ON THE BELOW WOULD BE HELPFUL

REGARDS ED

Sent My Ppi And Lc Paper Trail With The Letters That WELCOME Sent Me Saying I Was Missold Ppi And Lc And They Have Upheld My Complaint WHICH I HAVE SENT TO THE FOS

Today I Recieved A Letter From The foslink3.gif And A Ppi Questionaire Saying They Wanted Me To Fill It In So An Adjudicator Can Make A Desicion But If Welcome Have Already Owened Up And The foslink3.gif Have That Letter Then Why Do The Fos Need This Filled In

Edited by edwi69
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