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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.

      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 
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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.
      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

Brooksdad v Woolwich


hughes690
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Yes, I have. Each date and the time the call was made.

 

Since the 9th June up to14th August i have received THIRTY-EIGHT calls.

 

ALL these calls were unanswered!

 

:evil:

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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  • 3 weeks later...
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Anyone recognise these telephone numbers? :eek:

 

01789473876 / 01789473760 / 01789470455 / 01789841577

 

Area Code appears to be Stratford-Upon-Avon - anyone know who they belong to, tho?

 

;)

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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Could it be EquiDebt.

 

Check out site which do a Reverse ID for phone numbers. :)

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  • 4 weeks later...

A new number to me ringing my mobile - anyone know who this is? Just receive my third call!

 

02202

 

:(

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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  • 1 month later...

After receiving TWO or THREE Equidebt calls EVERY day on my landline since my last post - plus my Mobile phone Twice each day - I have now installed trueCall monitoring/recording system.

 

This new monitoring was only installed several days ago and I have had zero calls from TEN zaped numbers (Equidebt) - this means their calls are rejected.

 

It may be the calm before the storm but being able to answer my landline without fear of yet another unwanted call is heaven.

 

Family and friends can still telephone my number as they are all on my STAR list.

 

TrueCall records all incoming/outgoing calls which I can transfer to my computer for a record and future reference.

 

I would love to hear from other users of trueCall monitoring system and their positives and any negatives they may have.

 

;)

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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Thanks for your feedback on this.

 

I have only seen positive comments about Truecall, and this diference it has made to CAGgers.

 

:)

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FIVE THREATENING LETTERS FROM EQUI-whats-their-name! over the past two days.

 

SEVEN days to respond - or further legal ACTION!

 

I'm shaking in my boots . . .

 

Remember the letters I have sent to them . . . I DO NOT ACKNOWLEDGE THESE DEBTS - Court action pending.

 

it's starting all over again.

 

Is this a result of trueCall monitor being installed to reject their MANY MANY unanswered telephone harrassment calls?

 

Advice welcome.

 

:confused:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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If these letters were received regarding only one account, complain immendiately to the FOS re harassment.

 

:)

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Installed trueCall monitoring telephone system.

 

Brilliant!

 

Peace at last - not one DCA harrassment call getting though - All the DCA calling numbers I know are now on my 'ZAP' list - they are rejected.

 

Only those numbers on my 'STAR' list (family and friends) are straight through.

 

:cool:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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Sounds like a result !!

 

:D

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trueCall system working excellently . . . Ah, the peace it has brought.

 

 

 

;)

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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  • 2 weeks later...

A new letter today from EQUIDEBT - DEMANDING PAYMENT IN FULL BY 18 DECEMBER 2009 - OR ELSE!!

 

I remember informing them some time ago that I did not accept their claimed debt and that proceedings were 'on hold' at Small Claims Court.

 

Is this further harrassment or is it not??

 

TrueCall is rejecting their MANY telephone calls since installation of monitor - their calls are on 'Zap' list - so don't get through!

 

:confused:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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ANY ADVICE OFFERED IS A PERSONAL OPINION AND IS GIVEN AS SUCH

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Hi Hughes,

 

If your case is Stayed and they continue to demand payment, you can report them to the FOS for clear breach of OFT Debt Collection Guidelines. See a link to these in my signature.

 

And/or report them to the OFT. They won't help your individual case but the complaint will be logged against the DCA, along with any others.

 

:)

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  • 3 weeks later...

Hi Hughes,

 

Watch out for guidance on the whole reclaim scenario from Site announcements at the top of each forum.

 

After the Supreme Court ruling and the OFT's decision not to appeal, the future is not looking good for mass reclaims.

 

Cases will have to be looked at, and fought, more individually.

Edited by slick132
typo

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  • 4 weeks later...

What about this as a new ploy:

 

Letter received yesterday from Equidebt re outstanding account (which is in dispute).

 

They have set up an installment INTEREST FREE repayment plan 'on my behalf' for me to repay monthly £53.14 - starting 05 Feb 2010.

 

The laugh is they will assume I find this acceptable if I don't make contact within SEVEN days!

 

Is this a new ploy - has anyone faced a similar situation?

 

They know (but might have forgotten or are ignoring) account is in dispute.

 

I really wonder what the situation will be after 05 Feb!

 

:cool:

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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It's only a matter of time before your bank charges claim will be discontinued, so it may be worth considering their offer.

 

Or perhaps going back to them with your own proposals.

 

:)

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Another twist to this running saga:

 

Offer of the week by DCA - 60% discount on disputed account - if paid in full by 08 Feb 10.

 

Other various options are also made (3 month, 6 month and 12 month) discounted repayment plans.

 

Would appreciate Mod advice/comment urgently.

 

Other comments also welcome.

 

:cool:

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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Hi Hughes,

 

I've commented on this already in my last post, so not sure what more to say.

 

You're not likely to succeed with a charges reclaim based on the old strategy, which is why I said you should consider any options offered by the DCA. Or make them a counter-offer and see if they'll negotiate.

 

Can you just confirm, is the debt still owned by Woolwich and being chased by their DCA.

 

Or has the debt actually been sold on so a new company now owns the debt.

 

If it's the latter, you should certainly try offering a low amount to start.

 

The company buying such a debt would have paid maybe 5% for it, so you offering even 10 to 25% would represent a profit for them.

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Thanks.

 

Posts No12, 13 and 14 on this Thread refers.

 

Tempted to make counter offer. . .

 

. . . or should I?

 

:confused:

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If the debt was sold on by Woolwich, I assume the DCA will have paid very little for it.

 

Letter to DCA briefly setting out your circumstances (pensioners, limited or low income with no prospect of increase, high outgoings which account for most of your income) so you are only able to afford £xx per month.

 

Enclose a Buget Planner to show this.

 

Alternatively, if you want to make a F&F settlement offer, tell them you could pay £xxx if they agree to write off the balance. I'd start at perhaps 10% of the remaining balance and see how they respond.

 

See letter J here - http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/20758-creditors-dcas-letter-templates.html

 

:)

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  • 1 month later...
trueCall system working excellently . . . Ah, the peace it has brought.

 

 

 

;)

 

 

hiya hughes690

 

FANTASTIC - i totally agree, worth the money i spent on it - and yes you cant believe the silence in the house, but after over a year now using it, its brought my sanity back

 

keep spreading the word :p:-D

 

laters angel x

Im happy to help with support and my own thoughts, but if I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action.:)

 

my new motto is,,,",Taking back control of your life and home - such peace is priceless"

 

This is all due to truecall device , have a serious peek at this you will be thankful like I am x laters angel :D

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What a heart-warming wonderful Post. Ta for the enormous encouragement!

 

:) :) :) :) :)

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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Letter received today (Wed 10 Mar) from Barclays - Mr Neil Henderson, Customer Relations Director - 'We are not upholding your complaint and will not be refunding the bank charges . . .'

 

'If we do not hear from you within 8 weeks I will consider your complaint resolved and will CLOSE our file.'

 

My claim is on hold at Court.

 

I intend to write to N Henderson soonest but in what avenue do I approach it?

 

Please advise.

 

:confused:

.

NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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Hi Hughes,

 

Have a look at the announcements at the top of any bank forum. There are two to read -

 

The Consumer Forums - Announcements in Forum : Barclays Bank

 

The Consumer Forums - Announcements in Forum : Barclays Bank

 

Unless you see yourself making a case against the bank individually on the basis of (un)fairness, you should drop the charges reclaim.

 

Any progress in negotiations with the DCA yet ?

 

:)

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