Jump to content


  • Tweets

  • Posts

    • In order for us to help you we require the following information:- [if there are more than one defendant listed - tell us] 1 defendant   Which Court have you received the claim from ? County Court Business Centre, Northampton   Name of the Claimant ? LC Asset 2 S.A R.L   Date of issue – . 28/04/23   Particulars of Claim   What is the claim for –    (1) The Claimant ('C') claims the whole of the outstanding balance due and payable under an agreement referenced xxxxxxxxxxxxxxxx and opened effective from xx/xx/2017. The agreement is regulated by the Consumer Credit Act 1974 ('CCA'), was signed by the Defendant ('D') and from which credit was extended to D.   (2) D failed to comply with a Default Notice served pursuant to s87 (1) CCA and by xx/xx/2022 a default was recorded.   (3) As at xx/xx/2022 the Defendant owed MBNA LTD the sum of 12,xxx.xx. By an agreement in writing the benefit of the debt has been legally assigned to C effective xx/xx/2022 and made regular upon C serving a Notice of Assignment upon D shortly thereafter.   (4) And C claims- 1. 12,xxx.xx 2. Interest pursuant to Section 69 County Courts Act 1984 at a rate of 8% per annum from xx/01/2023 to xx/04/2023 of 2xx.xx and thereafter at a daily rate of 2.52 to date of judgement or sooner payment. Date xx/xx/2023   What is the total value of the claim? 12k   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC (Pre Action Protocol) ? Yes   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? No   Did you inform the claimant of your change of address? N/A Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card   When did you enter into the original agreement before or after April 2007 ? After   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/Equifax /Etc...) ? Yes, but amount differs slightly   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. DP issued claim   Were you aware the account had been assigned – did you receive a Notice of Assignment? Not that I recall...   Did you receive a Default Notice from the original creditor? Not that I recall...   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Yes   Why did you cease payments? Loss of employment main cause   What was the date of your last payment? Early 2021   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No   -----------------------------------
    • Hello CAG Team, I'm adding the contents of the claim to this thread, but wanted to open the thread with an urgent question: Do I have to supply a WS for a claim with a court date that states " at the hearing the court will consider allocation and, time permitting, give an early neutral evaluation of the case" ? letter is an N24 General Form of Judgement or Order, if so, then I've messed up again. Court date 25 May 2024 The letter from court does not state (like the other claims I have) that I must provide WS within 28 days.. BUT I have recently received a WS from Link for it! making me think I do need to!??
    • Massive issues from Scottish Power I wonder if someone could advise next steps. Tennant moved out I changed the electric into my name I was out the country at the time so I hadn't been to the flat. During sign up process they tried to hijack my gas supply as well which I made it clear I didn't want duel fuel from them but they still went ahead with it. Phoned them up again. a few days later telling them to make sure they stopped it but they said too late ? had to get my current supplier to cancel it. Paid £50 online to ensure there was money covering standing charges etc eventually got to the flat no power. Phoned Scottish Power 40 minutes to get through they state I have a pay as you go meter and that they had set me up on a credit account so they need to send an engineer out which they will pass my details onto. Phone called from engineer asking questions , found out the float is vacant so not an emergency so I have to speak to Scottish Power again. Spoke with the original person from Scottish Power who admitted a mistake (I had told her it was vacant) and now states that it will take 4 weeks to get an appointment but if I want to raise a complaint they will contact me in 48 hours and it will be looked at quicker. Raised a complaint , complaints emailed me within 24 hours to say it will take 7 days till he speaks with me. All I want is power in the property would I be better switching over to EON who supply the gas surely they could sort it out quicker? One thing is for sure I will never bother with Scottish Power ever again.    
    • Hi. Please don't follow McD's advice to contact Met to appeal. They won't listen and you could end up giving them helpful information. HB
  • 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

Deception of manufacture origin (Misleading about what company and which country).


caterpillar21
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 1092 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

I commissioned a bespoke wedding dress from a London-based designer I’ll call MQL. I was told that the dress would be made by high-end tailors in London. Long story cut short, the tailors botched the wedding dress (excuse the pun but the dress was literally cut too short!). 

 

I have since found out that the dress was not made by MQL in London but outsourced to another company called CMT based in Dubai (employing low-paid migrants). The designer is the director of both MQL and CMT. 

 

I would appreciate any comments on: 

 

1.     Any legal points / implications in the above situation.

2.     E.g. The law of disclosing the origin of production. Is there an obligation for a company to be transparent if they outsource a job to another supplier in another country?

3.     What might be all of the possible motivations for MQL to not be transparent about the outsourcing?

 

Thanks so much for your help. 

Link to post
Share on other sites

Hello and welcome to CAG.

 

Can you tell us what has happened since you discovered that the dress was too short please? Do you have paperwork and did tell MQL about the problem? If so, we'd be interested to know what they said.

 

Also, do they have a website?

 

Best, HB

Illegitimi non carborundum

 

 

 

Link to post
Share on other sites

Thanks for your help. Since discovering the dress is too short (and too tight), I've been trying to negotiate a price reduction or a promise that MQL will find a solution. This has been unsuccessful and I've initiated the small claims court. 

 

MQL then put pictures of me alongside separate images of my bridal gown on her social media saying that the dress 'fitted like a glove'. I believed that this was a data breach as it was before my wedding day and key people in my life were not allowed to see the dress before the wedding.

 

I made a subject access request (SAR) under data protection legislation. Very little info came back, but it gave me a lead and when I did a little more research on Google, I discovered the existence of CMT and the directors' involvement with both companies. Things clicked into place in my mind e.g. the tailor weirdly never being present at my fittings (only the designer). I now know why - the tailor was in Dubai.

 

Since small claims is involved, I'd prefer not to put the website here for now - but might at some point. I'll send you a PM if that's okay.

 

Best wishes

 

Sherylin

 

 

Link to post
Share on other sites

Hello. I've tried to PM but get the message: Sorry, but you can't access this page

 

Yes - I've submitted the MCOL claim and the case is set to be heard in June. I did not know about the deception when I submitted the claim. I'm now quite certain that the dress was not made in the UK by MQL who I had the (rather haphazard) contract with. 

 

I don't understand why there was the deception. I probably would not have gone with MQL if I knew that my dress would be shipped between the UK and Dubai to be amended between fittings. But from her point of view, why would she have kept concealling who was making my dress and where? She kept making excuses when I needed to have contact with key members of her staff e.g. pattern maker and seamstress. 

 

Link to post
Share on other sites

Hello. I can send you the claim form submitted via MCOL. I can redact my personal information on it. Would you like me to send this to you as a PM?

 

The claim form does not say anything about MQL outsourcing the project to CMT in Dubai. I did not know this at the time of the claim. 


The claim is about her incompetence in cutting the dress too short and not completing the job to satisfaction. Her counter argument is that I have put on so much weight that my fat is lifting the dress off the floor. 

Link to post
Share on other sites

just type out your particulars here .

 

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

MQL quoted £1,650.00 (plus £735 fabric) to deliver a full bespoke bridal gown making service. Before I had even tried on the silk dress, MQL cut the hem too short with absolutely no seam at the bottom of the dress for it to be lengthened. The short dress is unsuitable for my wedding as well as for plans that I had for the dress following my wedding e.g. lengthening the dress to wear with higher heels at another event, selling the dress to someone who may want to extend the hem.

 

MQL also promised me a bias-cut dress. But six weeks before I needed my dress, MQL told me that they could not source fabric width to deliver on the brief contracted with them. The whole skirt had to be redesigned. Given the incredibly short notice, I was forced to continue working with them, compromise and accept a style I would have preferred not to have. The dress is not as described / agreed when I ordered it and it and also does not fit me.

 

My wedding was soon after postponed due to Covid-19. Following lockdown, MQL is refusing to complete work on my dress, and also refusing to allow me to try on the dress again. MQL will not permit other dressmakers to inspect, or have detailed photographs of me in the dress in order for other suppliers to provide quotes / opinions on whether the dress can be lengthened / fitted without damaging the fabric. MQL is also refusing mediation. But MQL is demanding a £500 final instalment before they release the dress.

 

I have concluded that MQL is abandoning the project and not co- operating with other dressmakers because there are unresolvable issues with the quality of the dress in terms of fit, length and potential damage that will come with any attempt to amend it. Yet MQL holds the power in the situation as they hold the dress I have already invested heavily in (I have already paid £1045 down payments and £735 for fabric). I believe that I have no other recourse but to the take court action.

Link to post
Share on other sites

PDF Post#12 Redacted

How to Upload Documents/Images on CAG - **INSTRUCTIONS CLICK HERE**

FORUM RULES - Please ensure to read these before posting **FORUM RULES CLICK HERE**

I cannot give any advice by PM - If you provide a link to your Thread then I will be happy to offer advice there.

I advise to the best of my ability, but I am not a qualified professional, benefits lawyer nor Welfare Rights Adviser.

Please Donate button to the Consumer Action Group

Link to post
Share on other sites

I've just seen your message. Thank you for redacting my name at the bottom. 

 

In answer to HB's question about what's happened since September:

 

1. MQL responded to claim saying that she was unavailable for a hearing every single day until mid-may 2021 (so court scheduled for June 2021)

2. Court mediation (in November) was not successful.

3. MQL puts images of me, my dress and details of my wedding on social media saying that the dress 'fits like a glove'. I make a Subject Access Request (SAR).

4. From the SAR, I discover that my dress not being made by MQL in the UK, but by another company, CMT in Dubai. 

 

 

Link to post
Share on other sites

Hello Team. I just thought I'd reach out to see if you can still help me with this query on deception of manufacture origin (Misleading about what company and which country). Any thoughts would be very helpful. 

 

Best wishes

 

CB

Link to post
Share on other sites

On 26/04/2021 at 18:31, Covid Bride said:

Hello Team. I just thought I'd reach out to see if you can still help me with this query on deception of manufacture origin (Misleading about what company and which country). Any thoughts would be very helpful. 

 

 

 

I think it's only marginally relevant – and also your other question about transparency is not relevant.

What is relevant is whether or not there is a breach of contract. Also the use of your personal data is relevant and you don't appear to have included that in your claim

Have we seen a copy of the original agreement which you entered into?

This claim was issued quite some time ago, have they filed a defence?

How did you pay them?
 

Link to post
Share on other sites

Hello

 

With regards to the deception of place of manufacture, what about Unfair Trading Regulations 2008 for misleading omissions: https://www.which.co.uk/consumer-rights/regulation/consumer-protection-from-unfair-trading-regulations-2008-asO0C3p6VZQR#misleading-omissions. This says: 

  • omits material information that the average consumer needs, according to the context, to make an informed decision about a transaction

If I had known that my expensive silk wedding dress would be shipped between the UK and Dubai to be sewn and amended, I would never have chosen MQL as my dress maker. Further, I have found out that the workers are paid less than £400 for a 10-hour day, 6-day week contract (job adverts online). I think that these conditions affected the quality of work on my dress. 

 

With regard to your other questions, please see my post: Sunday at 10:31

 

Link to post
Share on other sites

Yes, but the problem is that you haven't refer to any of that in the claim which you've already issued. Therefore there is no particular relevance at this point.

Your particulars of claim is very lengthy – much lengthier then it needed to be but as far as I can gather, you are suing on the breach of contract is the basis of your argument – and you should stick to that. You should keep it simple.

As far as I can gather, you got a perfectly good case on the basis of breach of contract.

However, you haven't told us anything about the defence, method of payment – or the other questions we've been asking about.

  • Like 1
Link to post
Share on other sites

I thought I had answered your question: "This claim was issued quite some time ago, have they filed a defence?" in my post where I said: "1. MQL responded to claim saying that she was unavailable for a hearing every single day until mid-may 2021 (so court scheduled for June 2021)". Please let me know if there is any other detail that you need on the defence as I don't think any other question was asked on this. 

 

I've explored getting chargebacks etc through method of payment - and no luck. But if you need to know: Debit card through Paypal. Paypal's rules are: bespoke goods not covered. Debit card only covers transactions up to 6 months previously. I've also looked at household insurance and I'm not covered.

 

 

 

 

 

In terms of the contract, It was between myself and MQL. The contract was not with CMT who made my dress. Could the breach of contract also include that essential information was omitted on the basis of which the contract was made? 

 

 

Link to post
Share on other sites

From what you say, it's clear that the contract was made between yourself and MQL. I really don't know why you are bringing this CMT people into it. You are simply complicating the issue.

I understand that you made a contract with a company to make your wedding dress. Presumably it was made to certain specifications and you have those specifications in your possession so you can show what was agreed.
Hopefully, you also have a copy of the contract.
In the end, the address is not made to those specifications. Because of that it didn't fit correctly.

If that's correct – then that is your breach of contract.

Additionally – which you don't appear to have pleaded in your particulars of claim – and I have no idea why, you discovered that MQL have used pictures of you and the dress and exposed them publicly on a website. Is this correct?
I understand that this is since you raised the dispute with them.


I'm not too sure what the cost of all this was – and how much you have paid and how much you apparently owe them.

Has the dress been completed?

Has the wedding taken place?

Link to post
Share on other sites

And on the issue of the defence – if they have filed a defence then where is it? Why haven't you put it up here for us to see – in PDF format – single file multipage.

You don't make it very easy for us

Link to post
Share on other sites

Please can I ask that this post is deleted. I'm not finding this helpful at all.

 

I haven't provided the information eg: "Why haven't you put it up here for us to see" because I haven't been asked for it. I'm sorry you don't think I'm making this helpful for you - but I can't read your mind

 

I keep being asked for information I've provided e.g: "I'm not too sure what the cost of all this was – and how much you have paid and how much you apparently owe them." and "Has the dress been completed?" These details are in the claim I attached. 

 

Thank you for deleting this. I have found help  elsewhere and am getting good support there which is sufficient. 

Link to post
Share on other sites

Okay. I am glad that you are getting help elsewhere and best of luck.

I'm afraid we don't delete material from this forum. Everything we have is useful for somebody or other.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...