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    • The finance company has a 50% stake (legal Owner) in the deal so I would certainly involve them. As for the outstanding £3635 bill thats owing to Mercedes in Croydon I wouldn't be in a rush to settle that just yet and keep it in abeyance as leverage.  Where are you at with Doves in Horsham ?
    • or go really bold ... Further to my request for a copy of the agreement you refer to on ( date) I made a section 78 request pursuant to the Credit Consumer Act 1974 to which you have yet to reply or respond. Pursuant to the Credit Consumer act 1974 section 78 (6) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement.
    • Pers I'd stop paying the lot and get each defaulted by a dn issuance.  Defaults can't hurt future renting no Only ccj's Can't keep saying the same answers.    Dx        
    • Ok thank you. That’s where we are getting confused, as we’re not sure where we stand legally. But we’re still unsure who we should be going to now, the dealer or the finance company? I’m assuming the evidence we have (the reports from Mercedes) showing that the fault was there when we purchased would be sufficient to prove this? To be honest we would prefer to send the car back completely as are now concerned more problems may arise.
    • No no - I would complain via the CEO and Directors Office.     They sorted it in less than 24 hours for me. Complaint closed and compo issued. Info removed from CRA This morning. Credit Karma updated for me instantly almost.   
  • 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

Should I Call Them?


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I submitted my LBA on 23 January, sent recorded delivery, but I have not received any acknowledgement letter as yet. I am claiming for £7789 in charges going back 6 years.

 

I am just wondering whether, if I dont hear anything from them within timescale, is it worth my phoning them up to chase progress and if so, what is the best number to call.

 

I sent my letter to Trinity Road and it was delivered on 24 Jan (have checked on the post office website).

 

Many thanks everyone

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I didnt hear anything from my claim either. Just file mcol or N1 on the 6th Feb

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I sent my LBA on the 25th giving 7 days to acknowledge receipt.... called today just out of interest and was told they had 4 weeks to get back to me. I explained this was a debt they owed to me and I had given them 21 days in total. She was quite rude and said do what you want we have a back log and I cant even look your letter up..... shame as Im going to court on Friday for the whole £5700 plus £250 fees x

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Did you send off the letters from the template on this site? If you did, then you have given them to your timescale. It's YOUR claim, not theirs, they can't dictate what timescale you should stick to. Why would you want to phone them? You have already given them the opportunity to settle at least twice if you sent prelim and LBA letter. And phone calls can't be documented, so they could say anything to you and then renege on it - buying themselves more time.

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Thanks for that ladybird. Yes, have sent letters from this site, my LBA has not even been acknowledged. Their time is up on 6 Feb!!! Just thought a phone call might save me the hassle of court action, but will take this route if they do not respond.

Thanks again

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heres a number i phoned on monday, shes called helen, a customer services manager, could not believe how nice she was, very down to earth, she settled my claim in full on the phone after a bit of haggling.(£3400)

01244693668, her direct number to here office,if your not bothered about the interest, like me, she may well offer you the full amount, she authorised to!!!! good luck

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Well no surprise really - called the number Moonie provided, and whilst they queried how I had got this number (!!!!) they say that they have not received ANY of my previous 3 letters, one of which was sent by recorded delivery. I have been given a fax number and am going to fax my correspondence through now. Lets wait and see what happens next......

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sorry to hear you wernt successful today, i give the same number to someone on here today and she was successful, but it can be settled on the phone if dont want to claim in the courts , fax them your stuff and try again, but they will pay up!

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If you sent them recorded, have you checked on Royal Mail's site to see if they were signed for? - I can't imagine that many recorded delivery going astray - after all, that's why you record them, so you can track if they have been received.

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if you have proof they were delivered, then your claim is on track, either phone again or go ahead with the mcol, maybe they didnt have your records there when you phoned, but ive given that number to two people on here today and they have both got a result today. stick with it!

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Exactly, Karen. Really, if they see if that every time they fail to keep to the deadline, you just accept their delaying tactics,or phone & check if they have received things, they will suspect you are are not really serious, or not confident enough to carry on, so I really would urge you to just stick with the timetable and the procedures on here - it obviously works!

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Just a note on the Recorded Delivery thing....if you think about how many they're receiving, they're not going to be able to sign for each and every piece of mail that they get. What happens is they'll sign something saying they have received a SACK of mail...but...

 

...this is excellent news for us as it shows up as Lost on the Royal Mail database...which means we can all get compo for our 'lost post' too!! I just got a book of stamps! Ha ha! They'll come in handy for all the other SARs I send out!

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On the day my recorded delivery letter was signed for, to the Bank, there were another 21 items to be signed for - a per Royal Mail website - and as far as I'm concerned - it got there - they signed for it. What they do with it, or say, after that, is up to them, but I've got my proof!

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Just rang the number and spoke to a nasty woman called Lisa who said that they have 8 weeks to reply to any correspondance sent and that she could take a telephone number and would get back to me in the allotted time with a possible response?

So I politely informed her that my court claim would have been filed and a judgement most likely reached by then! Silly mare!

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I called Halifax Customer Services yesterday and they stated they had 4 weeks to reply to me. They stated something about this being the guideline time limit set by the FSA. I just reiterated the deadline in my letter and the consequences of not reaching that deadline. They really weren't very interested though...

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Ha ha ha!! Imagine being one of the poor saps working for these people right now?! It must be tortuous working in a call centre at the best of times without all us lot giving them grief too!

 

I almost feel sorry for them, I mean they're just trying to do a (poorly paid) job...the stress must be high and the job really isn't worth it. I wonder what staff turnover is like at the mo at these places?

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