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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
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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.


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We are fed up of reading the stories about the Dcas who continually flout laws and principles and do not act responsibly.Following all your requests,you are invited to add your user name here together with the dca or firm of baliffs that you wish to complain about.Just add a few lines of your complaint.

Once we have a list we can then get something drafted to launch a bulk complaint to Consumer direct The FSO the others who are required to take up complaints.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Cabot - harassing me on my work number and leaving obvious debt collector messages on the answering machine which colleagues could have listened to.

Capquest - threatening to send bailiffs to my house without a court order. Sending a pre-litigation letter with a 4 day notice of intended action which they had no intention of carrying out. Generally trying to intimidate me into establishing telephone contact by using an apparently bogus solicitor's firm (HL Legal) in their communications.

"Why CCJ when you can CCA!"

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Well done for this. I am trying to organise a mass complaint against Cap 1...and their associated DCAs. Had so much to deal with at the end of last year that a lot of people may have thought I'd stopped but I haven't.

 

If I can help you here I will. I have experience (and evidence/correspondence etc) of Debitas, CapQuest, HL Legal, DLC to name a few.

 

'Crimes' would include, ignoring my requests to put everything in writing and still phoning (wireless telegraphy act/harrassment), threatening legal action that they couldn't start (OFT regulations?) and writing letters to look like legal documents including mimicking court claim numbers. Plus a lot of just very unprofessional stuff....

 

Let me know what you want (allowing me time as my internet access is limited) and I will do whatever is....

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NCO - harassment, ringing me up even though they have been told to only correspond in writing. trading standards west yorkshire currently dealing with my complaint, but have told me that on the national database NCO havent been flagged up.

 

Usual threats of their collection team entering my home and taking goods, court action, not accepting payment unless its full payment. stupid idiots ring me twice a month requesting a make a payment even though they agreed 1 monthly payment on a set date. utter idiots!

Thanks

 

 

 

23/11/06 HSBC **SETTLED**

30/12/06 - GE Capital - **SETTLED**

30/12/06 - MBNA - charges and interest **SETTLED**

 

30/12/06 - Welcome Finance - Prelim sent for mis-sold PPI

 

 

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Capquest - again, threatening baliff action without a court order. Complaint already made to OFT as a misrepresentation of the correct legal position and an attempt to exploit a (perceived) lack of knowledge.

 

H L Legal - see above

 

CL Finance/Lewis Group/Cohens - sending a collector to my house who tried to charge me baliffs rates for his visit. Would not confirm his full name or provide an address to write to or a telephone number other than a mobile. Had to be asked three times to leave my property. Put the phone down on me when I phoned his mobile to tell him if he ever darkened my door again I would view it as harrassment.

 

Westcot - trying to pursue a debt after failing to provide the necessary documentation within the statutory timeframe. Reported to Trading Standards.

 

 

I will add to this list I am sure .....

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Cbot, Cabot, Cabot...for every move they have made. From"buying a debt" adding almost £1k in costs, automatically registeringa default without any agreement or paperwork, using seprarte companies to try and confuse people, starting court proceedinsg without paperwork...need I go on?:-x

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Tbern what happened to your avatar? Will it come back pointing upwards to symbolise Cabot's fate:grin:?

 

Sadly not... Apprently there have been various complaints about my avatar and I was asked to remove it.....

Remember if you find anything I say helpful, please click the scales

 

 

tbern123 vs Cabot

  1. Cabot again !!! Urgent Help Needed
  2. Litigation - tbern123 V Cabot Financial (Uk) Limited
  3. No more calls from Cabot... lol

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Here i go witht the list it is endless but to much space will be taken up;

 

Debitas for capital one, moorcroft for 3g, interim justitia for capital one,

nco for ebay, mercers for barclaysbank,barclaycard,barclays bank again

aktiv capital/debt managers lloydstsb

 

all have screwed up one way or another. Not to forget legal trade as they were trying to collect debt 10 years old.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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I would like to add Arrow Global LLC and their Solicitor, Eversheds LLC. This is my first brush with a DCA as MBNA screwed up badly and sold the debt without telling us or even informing us that they were issuing a default!

 

Arrow Global have ignored all my correspondence to them. They have ignored a CCA request, they have instructed their solicitor, Eversheds, to pursue us. Eversheds gave us 5 days to pay them £15K before they instructed bailiffs to enter our home (without a court order?!?!?!?). Eversheds have also ignored all correspondence.

 

Am v. cross!:mad:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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1 ST Credit for applying for and getting an Interim c/o and now applying for final c/o.

 

The first I knew that 1st Credit now dealt with an MBNA debt was when they wrote asking for full payment within 5 days.

 

They have never had authorisation to deal with this account verbally or written.

 

Just waiting for CCA request to see where I stand...

You need to read this if you have ever consolidated lending through your bank,

http://www.consumeractiongroup.co.uk/forum/general/49648-loans-pay-off-overdrafts.html

NatWest

S.A.R - (Subject Access Request) LETTER SENT15/12/06 - STATEMENTS RCD 22/12/06

PRE-LIM AND SOC SENT 11/01/07

FULL CLAIM OF £4093.04 INCLUDING CONTRACTUAL INT :)

JUST WAITING FOR STANDARD BOG OFF LETTER...:rolleyes:

LETTER FROM STUART HIGLEY TODAY 20TH JAN THANKING ME FOR MY LETTER AND ADVISING ME THAT THEY ARE CONSIDERING MY CLAIM.... YEAH, BET THEY ARE !!!:lol:

LBA SENT 29/01/07

 

**** G.W.G PAYMENT OFFER RECEIVED TODAY FOR £2160. THAT WILL DO NICELY AS PART PAYMENT MR HIGLEY !!!:D ****

 

 

 

 

 

Member of the official Bill-K appreciation thread cos he's just ape !! :D

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1 ST Credit for applying for and getting an Interim c/o and now applying for final c/o.

 

The first I knew that 1st Credit now dealt with an MBNA debt was when they wrote asking for full payment within 5 days.

 

They have never had authorisation to deal with this account verbally or written.

 

Just waiting for CCA request to see where I stand...

 

Hi there, they seem to love giving 5 days don't they? If they have bought the debt, are they not authorised to deal with the account? Or is this not the case? I issued a CCA but was ignored :sad:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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Wescot =still ringing me ,although requested by letter to stop

wescot =have failed to supply CCA ,or DPa ,informed me by letter that my details have been removed from their system,and they would no longer chase the debt,but they still are,by still sending threatening letters for full amount /or court action.

Moorcroft=Did not supply CCA or DPA documents,informed account in dispute,have now sold it to another DCA,

Maggie

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Despite being sent letters asking that all communications be in writing my partner gets up to 4 phone calls a day demanding payment from Sainsbury's Bank Collections while they are in default/committed offence under CCA s78. After offending, they claimed to have already sent a copy of the agreement, but that it has now mysteriously disappeared preventing them sending it.

 

Link Financial Ltd: phoning neighbours. Abusing my late mother on the phone (threats, foul language). Ignoring CCA request then, after offending, denying responsibility - claiming the request was sent to the wrong office.

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Moorcroft - notified me of action they had no intention of taking, complete with a threat of solicitors' costs (all for an account owing £25!). Ignored CCA request, simply paying the £1 toward the account in question.

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

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Westcot acting for British Gas. Ignoring letters, S.10 Notices, continued threatening letters despite being informed that the amount that they (and their client) were claiming was owed is incorrect, despite their client agreeing with me verbally over the phone that the amount was indeed incorrect (by a considerable amount, hence me not paying it).

 

Then passing information to a third-party solicitors firm for enforcement. I refused to sign for the notice of default as, yep, you guessed it, the amount was incorrect.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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NCO for Capital One; calling every single day for a month now, despite me writing in, stipulating that I will accept only written communication and offering payment proposal.

[sIGPIC][/sIGPIC]

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Guest Battleaxe

Global Vantedge acting for MBNA, ignoring all statuatory legislation, continual telephone calls even when police where investigating complaint for breach of Telecomms Act. Threatening to present themselves at workplace, ringing my old work phone number and leaving messages for work colleagues to deliver, theatening to commence action regarding bankruptcy.

 

Moorcroft acting for Kaleidoscope, ignoring fact account in dispute, s.10 notice, CCA request

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1st credit, failing to answer a CCA request and every other request i've ever made to them also refusing payment arrangment, demanding full amount due even though i have sent them a financial statement, phoning and suggesting i should get a loan.

 

Capquest, saying payments have been late or not arrived ,even though i have proof that capquest have cashed the cheques.

 

Callserve Limited: Refusing to accknowlege that i want to set up a payment arrangment, sending letter stating that they have given me every opportunity to come to an arrangment but now they will take me to court,i've been having these letters since june of last year.Stating they have sent someone round and i refused to talk to them (this is untrue no one has been to my house).

 

Commercial Collection Services: Refusing to acckowlege that i have been trying to set up apayment arrangment.

 

Logic Group plc: Failure to supply CCA,refusing to accept any payments except the full balance, refusing full balance saying they had just put it through to the court.....Getting a CCj without having the correct papers (although i guess that probably is the fault of the judge).

Face 2 Face Contact: Saying payment arrangment is unacceptable and wanting full amount due otherwise they will take me to court.

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Allied International Credit : non compliance with CCA request.

 

Well, well, well AIC have once again reared their ugly heads! Telephone message left wanting me to call them as soon as I got their message!! Methinks that they will be waiting a long time!

Spotnot v MBNA and their nasty solicitors (on behalf of my friend)

 

If I have helped in any way, click my scales.

 

Remember, we were all newbies once!!

 

When you win, donate!!!

 

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