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    • apologies if I'm being dense, doesn't that open me up to the risk of a backdoor ccj? They still have my parents address for me. (I *may* come back to the UK someday!)
    • 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
    • I take it I should redact names, court numbers etc?
    • How climate risk is changing lending decisionsView the full article
    • I understand that the item was correctly declared but the value was under declared. When you enter into any kind of contract, there has to be in agreement as to exactly what is being exchange for what. You agree to pay a certain amount of money for the delivery. They agreed in return for that to carry out the delivery safely – but they also agreed to shoulder a certain level of risk based on your own valuation. This means that the value that you gave for the chair is what they reasonably expected to be the extent of their risk in the event that the item was lost or damaged – or stolen. I'm afraid that by undervaluing it, our view is that you would be unlikely to recover anything more. There is never any advantage in declaring and undervalue. It effectively gives a gift to the service provider because when something goes wrong then that becomes the extend their liability. If you want to try and sue for the proper value then we will be happy to help you but I don't rate your chances. If you want to sue for the undervalue then I think your chances are extremely high. The item was lost – it wasn't damaged. Even if it was damaged, there was no particular suggestion that not being flat packed in some way contributed to the risk of damage but certainly it is impossible to conceive how being flat packed or not flat packed would affect the risk of the chair been lost. In fact in my view, because the item was a large item one would imagine that it would be more difficult to lose it. If you want to continue with this claim either for the full value of the undervalue then we will be happy to support you. Please make sure you've done the reading. I can tell that you've done some reading but I'm afraid the fact that you don't appear to have appreciated the consequence of an undervaluation suggest to me that you haven't read very thoroughly. I think it is important to make sure that you understand the principles of claiming for failed parcel deliveries completely. It will put you in control. It will give you confidence. There is no downside. Do the reading. Post a draft documents here so we can check before you send them off.
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    • 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
      • 162 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
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I think your missing the gist of the thread. If you do use this service then despite what the CRA's might claim you will be supplying a link to previous addresses or at least confirming you live at your present one & if your 'avoiding' them not a good idea

 

Also if you subscribe to that anti ID theft service you will never get finance - why? because the lazy buggers who underwrite loans won't take the time to check. When the transaction stops for an ID check they decline it & just move onto the next applicant

 

& remember by offering this facility at much lower cost than usual they are building a huge data base of who lives where etc which they will be able to pass on to their clients the lenders & the DCA's - for a fee of course

 

Free ID Protection has nothing to do with the CRA's. You are only using them to convey a message to ALL lenders. It doesn't matter if you or a crook changes your address the information remains with your file, so you are still protected.

 

You will certainly NOT be rejected for credit etc using the Free ID Protection system, but applications may take a little longer. A small price to pay for added security. In fact lending to someone subscribing to Free ID Protection from a lenders persepective is a lot safer than anything else at present. Furthermore, there's no reason why in the medium term the whole process can't be speeded up.

 

Apart from the CRA's you'd probably be shocked to learn just how much personal information is out there about you. Free ID Protection renders that information worthless to crooks, who'd use it to obtain credit cards, laons, open bank accounts etc.

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Of course CIFAS is run & funded by the CRA's

 

What is CIFAS ? - CIFAS Online

 

& no despite what they claim you won't get credit easily. I have had underwriters admit it to me

 

For most lenders & brokers processing applications is part of a system that is not geared to handle delays. If the application is delayed (for any reason) then it's arbitarly rejected & they move onto the next one

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Most lenders report to Experian, Equifax or CallCredit. It's worth ordering your credit report from one of these three credit reference agencies. The entries on each report can also be different, so you could order from all three to compare. They all offer free credit reports.

 

It's worth knowing that checking your own credit report doesn't affect your credit score.

Compare Experian, Equifax and CallCredit and Find Out How To Get Your Free Credit Report!

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  • 7 years later...

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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