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    • In that case I don't think you'd have any grounds for a claim against the receiver, short of anything actually criminal. The receiver was appointed by the lender so any claim you make should be aginst them. How much equity do you reckon there was when they took possession? Realistic value less outstanding balance (including arrears).  This messing around makes me wonder even more if the property was wildly over valued. Normally a lender would sell and not really care if they got the best price so long as they covered the balance plus their costs. 
    • Hey @lookinforinfo I'm not sure, I don't believe he told them he's the driver. He must have selected an option saying that he's appealing on behalf of the driver or something of the sort. In more news, however, these wannabe thugs are back at it again. Honestly, what a joke. In the letter they sent before this it said they had made "2 attempts" and in this letter they said "4 attempts", I wonder what happened to the "3rd attempt" lol.  WhatsApp Image 2024-04-18 at 14.06.07_44abc9c8.pdf
    • Hi all, I purchased a car in January from Big Motoring World Leeds. At the time of sale I was shown a tab on the salespersons computer marked 'service history' and I was able to take comfort knowing that the car had been serviced on 3 occasions as the date, mileage and company was there on screen. Being a 3 and a bit year old car that, in my mind, constituted full service history 🤷‍♂️ Anyway, collected the car a week later. Once home I settled down to through the book pack etc. Opened the service history booklet and it was completely blank. In addition there were no invoices detailing that any services had been done. I duly contacted BMW and asked them to supply me with proof of service history. They responded saying that on their 'vehicle documentation checklist' I had ticked and then signed to the fact that I had seen the service history and that I was happy with it. I dug out this checklist and what it actually states is 'seen service history online' which I had in the showroom. BMW seem to think that this satisfies their responsibility in providing service history. The reality is that I don't have any proof that the vehicle has ever been serviced! For my own peace of mind I ended up paying for a service that satisfied the manufacturers maintenance schedule to the tune of £330. I even complained to the finance company that the vehicle contravenes the Sale of Goods act 2015 as l, in effect, ot is not as described. Amazingly they weren't interested and instead I just got an email stating that it's not illegal to sell a vehicle without service history and that servicing costs were part and parcel of vehicle ownership. I've since complained to the ombudsman and am awaiting to see if they can help. I have no issue with the car but the treatment and customer service has been the worst I've ever experienced. I don't really know what to do next as I really do feel aggrieved that I've had to pay to service a car that should have already been serviced. Can anyone point me in the right direction please? 🙏
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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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Help Me Please... WON!!!


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Thanks Nic. I have time on my hands and I really, really want to go for Lloyds (and others). I am perfectly happy to spend time studying what I need to do to claim contractual interest as long as it is a viable option, plus any other expenses incurred which in terms of my time could be quite considerable. Where do I go to find the necessary information?

 

Thanks.

 

Fred

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Thanks Nic.

 

I want to claim for everything that I can, so I'm going to go for contractual interest. I've got nothing to lose to be honest and time on my side. The longer it goes on, the more interest I'll get back!.

 

Cheers.

 

Fred.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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  • 2 weeks later...

Hi Minx

Just saw another thread you posted on and saw your new avatar. Your cat

:D DOES HAVE A HAT!!!! :D

Made me smile

Trev

Barclays - 2 Accounts - WON

Capital 1 - WON with CI

LTSB - WON

LTSB pre 6 years - N1 for non compliance filed

Barclays pre 6 years - Prelim sent

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Still no sign of my money!! sent back my signed acceptance over 2 weeks ago!!

Spoke to them yesterday and they gave me some rubbish about a back log of payments!! Thats not really my problem i told the guy and that if they take much longer i'll be wanting more to cover the interest over the last few weeks

I hoped it would be in my account today as it is my birthday and i want to buy myself something nice!!!

 

Jen

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Hi Jen

 

Happy Birthday! :D :D

 

So they say it's to do with a backlog of payments...that's terrible!

 

I also sent a letter to them 10 days ago regarding their settlement offer as they got the figures completely wrong and have not heard from them either. Must call them as well.

 

Who did you speak to at SC&M?

 

In the meantime, have not heard from the court either. My AQ was sent almost 4 weeks ago. My claim was not settled as yet so I should be receiving a court date (i think:confused: ). Did you get anything from the court?

 

Anyway, have a lovely b-day and hopefully your money will reach you soon.

 

Flower xx:) :)

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Thanks flower

:p

 

I forgot to take the name of the chimp at SC&M, must be all the champagne!!

 

I just called the number on top of their letter.

 

I also have heard nothing from the court and i sent my aq off 4 weeks ago, i have a letter about 3 weeks ago to say it was being transferred to southend court which is fine but havent heard anything since. certainly havent cancelled any action as no money yet. i will have to give them a call tomorrow.

 

I will call them again tomorrow if still no money and then i'll continue to call them every day till i get it.

 

Hope you are well

 

Jen

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Ah you're celebrating with champagne...god girl :lol:

 

Yeap, he must keep pressure on them.

 

I am going to be on the phone to them as from tomorrow until they get fed up and pay up. :mad: :mad:

 

Flower xx:)

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Hi Jen - just been reading your full thread - great news and well done! Hope your money turns up sometime soon! I'm getting excited at your news because I'm just a short while behind you. I was very happy to note you used Southend Court as that's where my claim is!

 

My thread is disgruntled2007 v LTSB

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YAY!!!

 

Thats exactly what i'm gonna do, theyll get so sick of hearing my voice they'll pay up sooner rather than later LOL

 

Call them tomorrow they're really friendly but dont be taken in by the rubbish they chat about back log of payments etc, its your money and you want it NOW!!

 

Jen

xxx

 

 

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Hi disgruntled

 

Thanks for the congrats, i wont feel like i've truely won till i get my money thou :(

 

I originally filed with basildon court but they tranferred it to southend not sure why, not bothered thou its only up the A127 LOL.

 

I will have a read thru your thread and subscribe so i can congratulate you when your get your money back YAY!! Not long now!! :)

 

Jen

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Hi Everyone,

Hope your all well.

 

I got a letter yesterday from southend court advising me that a stay has been granted of the courts own decision. The stay is until the 27th june when the case will be "referred to the judge in paperwork".

Does this mean that the judge will make a judgement on the 27th but that i do not need to attend??

 

Please help i'm so confused??

 

Jen

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Can you please post up the full order (in a colour other than pink please) and advice will ensue. It maybe the same as my post 58 from the link below.

 

Presumably the stay has been ordered to give Lloyds the opportunity to settle and has been requested by Lloyds.

 

The 27th is just a date for the court staff to put the papers in front of the judge. No requirement for you to attend.

 

This will delay matters for several months, have a look at my thread I am several month ahead of you (post 58 on wards):

http://www.consumeractiongroup.co.uk/forum/lloyds-bank/47207-guido-t-lloyds-tsb-3.html

 

This whole stay business has delayed my claim by around 4 months, but it backfired on Lloyds, as the judge ordered the New Strategy as a consequence of Lloyds' fannying around.

If I have been helpful please click on my star and add a comment.

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Hiya Jen

Still no money i see :mad:

My court has also requested a 'stay' until 12th June.

If i havent got my money a week before the stay ends, GaryH advises that i will need to request a 'strike out'.

Lets hope neither of our claims come to that though eh and SC&M pull their fingers out.

Kellie

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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WOO HOO!!!!!!!

 

I GOT MY MONEY!!!!

 

Logged in this morning to find my account in credit for the first time in 12 months LOL.

 

They finally stumped up the cash, i'm absolutely thrilled!!

 

Thank you so much to everyone who helped me do this, this is gonna make such a big difference to my finances!!

 

Thanks

 

Jen

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

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Congratulations Jen

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Hiya Jen

:p

Why dont you go for 'costs' now. You will be writing to the court anyway so why not give it a go ?

Heres the link

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/85726-wasted-costs-order.html

 

XxXxX

If I have been helpful, PLEASE click the scales

 

 

You may receive differing advice as people have had different experiences. Please use your own judgement in deciding whose advice to take. If in doubt seek advice from a qualified insured professional. Any advice I offer is done so informally, without prejudice & without liability.

 

 

I WON !!!!

 

 

HERE WE GO AGAIN .... BRING IT ON

 

:D

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Well done Jen. . Congratulations. .

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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