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    • 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
    • Hi again all, below is another email they sent me, I just don't want to get in trouble or things to get worse with this crowd but I am taking your advice here. Anyway advice would be appreciated.   I am contacting you again after having tried to contact you both by email on 03/04/2024 and 10/04/2024, and by telephone on 10/04/2024 and 17/04/2024 to discuss the matter in relation to the regularization of the SOLIDWORKS case against xxx our company.   This is an urgent legal matter. Please contact me at your earliest convenience - +44 2921 920 296.    If we do not recieve a response before 24/04/2024, we will assume that you are not willing to settle this dispute amicably. The case will then be referred back to our client with whom, ultimately, the final decision lies on the enforcement of their intellectual property rights.    Yours sincerel y, Rhys
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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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CCA Agreements (Mark II) PLUS any other topic


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Hi all

 

This thread is for the general informal discussion of consumer credit agreement issues PLUS any other related or unrelated conversations and remarks on any topic. Any input from the several (formerly) regular contributors to the first CCA thread who have decided not to contribute to that thread at present will be most welcome here!!

 

 

 

N.B. Anyone who wishes to see only CCA agreement related posts in a thread should stick to the first one!

 

Regards, Pam

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VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

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hey Ink - just subscribing, and thank you!!!

 

Perseus the perishable (lol) :-)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Ok, so maybe I could ask the first question on here???

(oh, its about a cca, is that alright? hehehe)

 

If Crap1 have sent a recent copy of their T&C's (post april 2006) in their response to my cca rqst of 12th March, and incomplete SAR details too (that I can handle), should I give them another attempt at providing the cca, as the account is closed, paid up by insurance on disability cover, and has a default registered with CRA's...

 

Any clean suggestions please?

 

P

:)

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi Perseus and welcome to the thread! :D

 

I just hope this one is left alone because otherwise it's likely that many CAGers will not get the help of some of the wonderful and knowledgeable people who WERE helping out on the 1st CCA thread!

 

As to your question, the T&Cs supplied under the CCA request should be the ones applicable at the time the agreement was signed. I assume it was an 'agreement' and not just one of their 'application' forms?

 

You could try something like:

 

 

Thank you for the information you sent following my request under the CCA 1974.

 

However, I made a request to you on .... for a copy of the executed agreement applicable to the alleged debt. Under the CCA s77/78, you are obliged to send me a true copy of the actual credit agreement but have only sent me a copy of the initial application form and some recent terms and conditions.

 

A regulated credit agreement contains all of the prescribed terms, other required information and statements of my statutory rights. Any separate terms and conditions (which should have been referred to in the original agreement) should also be provided to me and must be those applicable at the time that the agreement was signed.

 

I would therefore be obliged if you would send me a true copy of these documents as soon as possible.

 

Yours

 

 

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Thanks Ink,

 

They have literally provided a foolscap page 2 sided of current terms and conditions with some details of aprs and other prescribed terms. But - it looks like a generic info sheet, nothing specific regarding my other half, no address, name, account/agreement number, amount, signatures of either party, when or where agreed, nothing at all. Looks like something that would be included in a mailer (but not one - no space for a card etc).

It's not personal to my OH's account what-so-ever (or anyone for that matter!)

 

P

If my advice has helped, please click on my scales. Thank you!

MBNA - CRA file to be cleared then finished!

__________________________________________

Abbey Personal - Final LBA 28/5/7 - then Court

__________________________________________

Capital One - Final LBA 28/5/7 - then Court

__________________________________________

GMAC - Sent DCA SAR 9th March 07 - confirmed not legally assigned.

Waiting for GMAC to provide breakdown of charges and CCA under s79

__________________________________________

Alliance & Leicester - Final LBA 28/5/7 - then Court.

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Hi Pam in glorious Devon - & isn't it glorious today?I love it when the weather is nice at this time of the year. It's very glorious here, too and the sea is like a mill pond.

 

Did you have a good weekend?

 

OK, hands up, my tongue is in my cheek!!

 

I directed someone to the CCA thread yesterday where he has posted something that needs an answer - I shall re-direct him here!

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Hi Perseus and welcome to the thread! :D

 

I just hope this one is left alone because otherwise it's likely that many CAGers will not get the help of some of the wonderful and knowledgeable people who WERE helping out on the 1st CCA thread!

 

As to your question, the T&Cs supplied under the CCA request should be the ones applicable at the time the agreement was signed. I assume it was an 'agreement' and not just one of their 'application' forms?

 

You could try something like:

 

 

Thank you for the information you sent following my request under the CCA 1974.

 

However, I made a request to you on .... for a copy of the executed agreement applicable to the alleged debt. Under the CCA s77/78, you are obliged to send me a true copy of the actual credit agreement but have only sent me a copy of the initial application form and some recent terms and conditions.

 

A regulated credit agreement contains all of the prescribed terms, other required information and statements of my statutory rights. Any separate terms and conditions (which should have been referred to in the original agreement) should also be provided to me and must be those applicable at the time that the agreement was signed.

 

I would therefore be obliged if you would send me a true copy of these documents as soon as possible.

 

Yours

 

 

 

Regards, Pam

 

Hi

I totally dissagree what a load of rubbish.:D :D

 

Kidding

 

That the sort of thing you mean

 

and leave my spelling alone

 

Peter

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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OK, hands up, my tongue is in my cheek!!

 

 

Hi LB

 

Glad to hear your tongue is behaving itself today and not in someone else's cheek!! :D:D

 

I've had a good weekend thanks, totally off topic and off my rocker! :eek::wink:

 

The weather here is bright but cooler than of late and I'm supposed to be out jet-washing my patio but as usual I'm glued to the PC!

 

Direct anyone here that you like - for as long as it lasts!

 

Term reckons this thread has a 'shelf life' of about 4 hours!

 

Any further bets? :rolleyes:

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi

I totally dissagree what a load of rubbish.:D :D

 

Kidding

 

That the sort of thing you mean

 

and leave my spelling alone

 

Peter

 

Hi Peter

 

As a special introductory offer I shall make no remarks about your smelling (sorry - spelling mistake! :rolleyes:) for the first 10 pages of this thread - assuming it even gets to 1! (Howzat?!)

 

Good to see you here anyway! :)

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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hmm, well, the first time I'd tried to get to it I gave it all of nil minutes!!

 

Yeh, maybe until later this evening. That Peter bloke got in quick didn't he - we can get the pins out again :D :D

 

But then he's just a bloke, he probably doesn't understand what I'm talking about, he might be in the shed with his tooth floss, oh no, sorry, plaque.

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Guest Battleaxe

Hah ha, Her we are again, didn't take long to wander over. I see the MODS have been busy again today with there little black censorship pens. I bet they are watching this thread with beady little eyes just waiting to pounce.

 

My life is complex enough without having to stop the frivolity which creeps in. Hell, just back from Kent having his brain scan to make sure there is no cancer there. His respiratary function test were distressing enough to witness and this is to see if he will be able to cope with one lung, if this cancer turns out to be operable. Helpiong others overcome their problems with the banks has been a fantastic diversion, but CAG is not the only forum as others have found out and their expertise has been lost to CAG, but I guess the powers that be don't care about that.

 

I hope Term is wrong with his prediction. Pam PM me and I will give my other email addy, there are other plans afoot.

 

I will not leave the this Forum unless I am thrown out.

 

I moderate a couple of groups and nothing like this has ever gone on.

 

Sometimes the best sites are the unmoderated sites. there is no flaming or ill will and freedom of speech so long as it is not defamatory or libellous is allowed. Janet-M told me there is no such right free speech on this site, we are given the priveldge to make contributions. Take from that what you will.if you are going to repeat me can you quote me correctly please . Janet

 

Any way let's set up house over here for a few hours and see what eventuates.

 

At least the Power of Three are together over here.

 

I feel really sorry for Tam.

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Guest The Terminator
hmm, well, the first time I'd tried to get to it I gave it all of nil minutes!!

 

Yeh, maybe until later this evening. That Peter bloke got in quick didn't he - we can get the pins out again :D :D

 

But then he's just a bloke, he probably doesn't understand what I'm talking about, he might be in the shed with his tooth floss, oh no, sorry, plaque.

 

Don't you mean Candy Floss:-D

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I feel really sorry for Tam.

 

Hi BA and welcome!

 

It's sooooo good to have you all here but I'm hoping it's just temporary.

 

I've PM'd tam and tried to explain the reasons why this thread has been started. I hope he won't be too cross and will join us here for as long as necessary (or as long as it lasts!:mad:)

 

I've been informed about the 'other' and will be signing up! :grin:

 

Regards, Pam

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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It's not personal to my OH's account what-so-ever (or anyone for that matter!)

 

 

Hi

 

The problem with credit card T&Cs is that they are largely universal at any given time for any particular provider and so 'one size fits all' - so to speak. BUT - the prescribed terms, i.e. credit limit (or how it is to be determined), interest rate and repayments MUST be on the signature document.

 

There is a debate about whether a 'signature document' is just one page or if it can be more then one. Personally, I think it can be more than one page BUT any T&Cs that are not on (and not required to be on) the first page MUST be referred to in that first page. IMO, the prescribed terms should be on the first or main page. This is obviously not what CapOne and other providers have been doing with their 'appligreements'!

 

Regards, Pam

 

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Hi

 

Have any of you read the most recent post on the 'moved posts' thread?

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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just subscribing it wouldn't be the same without The Terminator.

 

Absolutely right! :grin:

VITAL - IF YOU HAVE AN ISSUE ABOUT THE INCREASED BAILIFFS' POWERS TO BREAK INTO YOUR HOME AND USE FORCE IN ORDER TO GET YOUR GOODS THEN JOIN THE PETITION HERE:

http://www.consumeractiongroup.c o....l#post53879 9

 

Anyone seeing this who wants to help by copying it to their signature please do.

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Guest The Terminator
Hi Pam in glorious Devon - & isn't it glorious today?I love it when the weather is nice at this time of the year. It's very glorious here, too and the sea is like a mill pond.

 

Did you have a good weekend?

 

OK, hands up, my tongue is in my cheek!!

 

I directed someone to the CCA thread yesterday where he has posted something that needs an answer - I shall re-direct him here!

 

Hi LB

 

Fancy a beer after work:wink:

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yes I have Pam. I have to say my dignity was not at all offended, I just found the whole episode rather petty-minded on the part of those who seek to censor inoffensive messages.

I was more annoyed about the momentum of the thread being policed in such a small-minded and despotic manner.

Give someone a little power, and most likely, they will abuse it.

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Guest Mincemeat

Hello

 

I'm a newcomer to all of this ;). I've been reading about the CCA stuff for a few weeks now and am waiting for a CCA request to be fulfilled from MBNA. I hope it is as good as some of the ones I've seen on here

 

PS That's two pages then!

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Guest The Terminator
Hello

 

I'm a newcomer to all of this ;). I've been reading about the CCA stuff for a few weeks now and am waiting for a CCA request to be fulfilled from MBNA. I hope it is as good as some of the ones I've seen on here

 

PS That's two pages then!

 

Welcome Mincemeat.You will be lucky to find a muppet within MBUSA who knows what a cca request is :-D but as soon as you receive it post it on here and we will help and advise you.In the meantime please feel free to join in the discussion.

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