Jump to content


  • Tweets

  • Posts

    • Please will you upload the defence in a PDF format document
    • Afternoon All - after 3 weeks of silence, this morning I received an email from HMCTS advising that P2G have rejected my claim. Decide whether to proceed Parcel2Go.com has rejected your claim. You need to decide whether to proceed with the claim. You need to respond before 4pm on 25 June 2024. Your claim won’t continue if you don’t respond by then. This is their ‘defence’ Their defence Why they disagree with the claim When choosing a service on the Defendants website, the Claimant chose to book their order with Evri and selected to take out £20 parcel protection which comes with the service. On the first page of the booking process, the Claimant entered the value of £265 for the contents and was offered parcel protection for loss or damages against their goods for £13.99 + VAT. The Claimant selected no, which then produced a pop up which explained 'We strongly recommend that you protect the full value of your item(s).' however, the Claimant still did not take this protection out and instead continued with the booking process. At the end of the booking process, the Claimant was offered this again which was refused and the Claimant continued with the booking by accepting the terms and conditions which re-iterates the information provided in the booking process. The parcel was sent, however, seems to be delayed in transit. The parcel finally started to track again, however, when delivered the parcel was empty with no contents. As such, the claim was re-opened and attempted to be settled for the £20 protection taken out in the booking process. This was refused by the Claimant as they felt they should be paid the full amount of the value entered when booking. Unfortunately, due to the refusal of the parcel protection in the booking process the Defendant is not liable to settle the claim to the value and only to the parcel protection taken out. The Defendant shall rely on the Terms and Conditions of carriage in particular section 9. The Defendant understands that the contents have not be handled with due care and attention, which is not being disputed, however, they are disputing the amount they are liable to. They have requested mediation, I’m sure not least to drag the case out even longer, but I can see no benefit to me in this and so shall reject it. As ever, I’d welcome your thoughts guys. g59   
    • I doubt HMCTS holds any data on whether arrests by AEAs required police assistance.  They couldn't or wouldn't provide data on how many of warrants issued were successfully executed - just the number issued!  In my experience, arrest warrants whether with or without bail are [surprisingly] carried out with little or no fuss.  I think it's about how you treat people - a little respect and courtesy goes a long way. If you treat people badly they will react the same way. Occasions when police are called to assist are not common and, having undertaken or managed many thousands of these over the years, I can only recall a handful of occasions when police assistance was necessary. On one occasion, many years ago, I arrested and transported a man from Hampshire to Bristol prison on a committal warrant. It was just me and he was no problem. I didn't know the Bristol area (pre Sat Nav) and he was kind enough to provide directions - seems he knew the prison.  One young chap on another committal warrant jumped out of his back window and I had to chase him across several garden fences.  When he gave up (we were both knackered) I agreed to drive by his girlfriend's house to say farewell for a while.  I gave them a few moments and he was fine. The most difficult are breach warrants but mainly in locating the defendant as they don't want to go back to prison - can't blame them.  These were always dealt with by the police until the Access to Justice Act transferred responsibility from them to the magistrates' courts. The fact was the police did not actively pursue them and generally only executed them when they arrested someone for something else and found they had a breach warrant outstanding.  Hence the transfer of responsibility.
    • thats down to mcol making that option available for you to select, you cant force it. typically if there are known processing delays at northants bulk it will be atleast 14 days later if not more.
    • Thanks   Noting the day to apply for default judgement if necessary
  • 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

Quick Car Credit/First Response Finance - faulty car .


Recommended Posts

I got a car in Nov 2020 from quick car credit

had nothing but problems since having it which got sorted by quick car credit

 

now the engine has the oil warning light on it and its now dangerous to drive

been told my 4 different garages its best to just get a new engine as its a common fault with these cars

 

first response are telling me to get a diagnosis of the fault and report it to them but they won't help with the costs as its £500 alone just to strip the engine to find what's gone on it.

 

Quick car credit will not help as they say its out of warranty with themselves.

I have been in contact with 3 solicitors ive been told to tell them they are going against my consumers credit act section 75 as its not 12 months and I just get them fobbing me off with we are talking about that act we are talking about this act. 

 

I need to know where I stand with this any help I would be grateful for.

 

Link to post
Share on other sites

nothing to do with the finance co at this stage yet nor section 75.

 

your redress is against the retailer under your consumer rights 

 

how are you jumping to an oil pressure?  warning light equals complete engine replacement?

 

 

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

I've been told by all garages it's a oil pressure and the garage it is in now they are telling me its got oil pressure but not enough that it needs to remain fully working engine and its just easier to replace the whole engine. 

 

I told the dealer and they are just telling me its not up to them now as ive had it over 6 months so it's out of their warranty 

Link to post
Share on other sites

Warranties mean nothing.

 

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

I'm just stuck with a car I can't use and I haven't had it over 12 months yet I have a warranty with another company called A1 Approved

 

all parties say I cant do anything unless I paid for it to be diagnosed to see what is wrong with it

meaning they want to strip the engine

 

I just don't know where I'm going with

this its causing me more stress than what's needed 😭

 

As they are all saying its not against my rights and all first response can do is offer me a loan to fix it or replace the engine of up to 75% but I have to diagnose it first 

Link to post
Share on other sites

  • dx100uk changed the title to Quick Car Credit/First Response Finance - faulty car .

what date did you sign the agreement and is it Hire purchase please?

 

 

 

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

Yes, we need more information about the type of finance agreement. As my site team colleague has asked – was bought on hire purchase?

What did you pay for the car, what make, model, mileage?

 

Who were the dealers?

Link to post
Share on other sites

Yes it is hire purchase I paid £200 deposit as they took my other car as part exchange for £200 so all together £400 

Ford focus 2013 ecoboost turbo when brought mileage was 68,759 miles its now at 74 something miles ive just about 6k miles in it since purchased 

Dealers are quickcarcredit 

 

Brought the car for 6k paying first response 10k back 

Found out the car is only worth £4,895 in value 

Link to post
Share on other sites

When was it bought?

Link to post
Share on other sites

Sorry forgot to include that 26th Nov 2020 I never got to look at the car only saw picture and it got dropped off to me before it even got a finance agreement on it. I got hassled by the dealership all day until I purchased the car now feel mugged off as they wouldn't leave me alone even if I said give me half an hour they would phone 20 minutes later 

Link to post
Share on other sites

I don't really understand because looking at the website https://www.quickcarcredit.co.uk/ they simply seem to be organising credit agreements in order to help people buy cars. They aren't the dealer. They don't seem to have a stock of cars. They don't seem to have a showroom

Link to post
Share on other sites

How far away from you are they?

Please could you provide a Google link to their address where the cars are stored.

Link to post
Share on other sites

They are 38 mins away from myself 

 

This is what I put in I went on to pictures and It gives you a picture with the court with all cars on it with the building or go onto maps it will show you the building 

Edited by Lil Worthy92
Link to post
Share on other sites

So it's not quite clear – but I gather that you bought a car for £6000 using your own car on a part exchange basis for which they gave you £200 – so pretty negligible value.

It appears that in fact the car is worth £1000 less than you bought it – but I'm afraid you won't be able to do anything about that.

It's on hire purchase and that means that the finance company is responsible. Luckily you didn't pay by cash or paid by bank transfer so this will be helpful because this company is regulated by the FCA and that means that you have a certain amount of protection.
Also it means that in extremis, you have protection under the Consumer Credit Act. You say that you've been to various solicitors but I don't understand what their response has been.

I understand that the car works but you have been advised not to drive it because there is potentially an oil problem and to drive it could risk causing damage to the engine. Is this correct?

Who is it who told you not to drive it?

Also, you are talking about a company called First Response. What have they got to do with it?

Link to post
Share on other sites

The car does not work at all. RAC breakdown attendant and the multiple garages have stated that due to the rattling, grinding sound, flickering oil warning light and the smell of burning coming from the engine bay, I have been advised that the car is unsafe to drive and is a potential hazard to drive.

 

First Response will not have anything to do with helping me with dealing with the trader to get the repairs done without paying a £500 diagnosis fee to the garage the car is currently at. That £500 is for a complete engine strip down to find the fault, the faulty parts and to see if the fault has been there either before we had the car or has is a recent fault since I have had it.

Link to post
Share on other sites

Thank you but you aren't telling us who First Response are and what their involvement is.

Have you got anything in writing from any of those organisations/garages that have seen the symptoms of the problem and advise you not to drive?

Link to post
Share on other sites

first response are the finance creditor - crap ripoff bad credit car finance providers. HP agreement

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

First Response is the company who have finance the car for a loan of 10k 

I have to go down to the garage tomorrow to pick up the report they have done for me with quotes for a new engine as they have said its a common issues with these cars and its best to just go for a new engine.

 

I have my RAC report from the breakdown and about the problem.

Link to post
Share on other sites

I still don't understand the relationship between First Response and Quick Car Credit who I had understood were providing the finance in addition to the car.

Also, they apparently say that it is out of warranty with themselves – but what do you know about the warranty? Was it a three month warranty or 12 month warranty? (Not that it is very significant because you are protected by your statutory rights).

Which garages it which is providing you with this report? It sounds as if it would be very helpful to you.

Please can you post up the RAC report in PDF format.

 

Also I asked you about the solicitors – and you haven't addressed that question.

Link to post
Share on other sites

This is the document from my RAC breakdown says its unsafe to drive down to the light needs more investigation.

 

Quickcarcredit are very rude and not helpful at all when you bring it to their attention.

 

They just tell me its not their problem anymore as I had 6 months warranty with them as ive had the car over 6 months they will no longer help me with any issues.

 

Quick car credit got me the finance with first response, well pressured me in to accepting the finance and the car.

11599511-20210624-00-41-57.pdf

 

I spoke to solicitors as I wanted some advice because everyone is telling me that quick car credit aint going against any of my rights. I don't know what to do ive been told to open an complaint with first response. 

Link to post
Share on other sites

I also asked you which garage it is which is providing you with a report which you are meant to be collecting tomorrow. You haven't addressed this either.

He will be very helpful if you would tend to respond to the questions that are put to you because otherwise it's a bit like pulling teeth

Link to post
Share on other sites

Thank you. When you get the report, please post it up here in PDF format.

A couple more questions – what date directly take delivery of the car?

I understand from the date on the RAC report they went wrong on 23 June.

It looks as if you may just have missed out on the Consumer Rights Act six months right to reject rule. This is not a problem although it would have made things slightly simpler.

When did you actually take delivery of the car?

Also, have you got a copy of this warranty document? Was it supplied as part of the deal or did you buy additionally?

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...