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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
      • 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
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help for my son **WON**


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Well done :D

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 3 weeks later...

Hi, not been able to update due to the death of my father in law.

 

Got a letter from the OFT regarding the complaint against HFO.

Do you think I should go ahead even though they have stopped calling.

 

Letter from Barclaycard aim to resolve the matter by the 24th Sept, this was from the CRM letter dated 29th Aug.

 

Letter from Barclaycard dated 30th Aug, from CRM asking for bank details to credit my account.

 

Both letters from Barclaycard came from CRM different people.

 

Could you advise me on the letter asking for my bank details as you know I sent this before and the money was sent to HFO.

 

Mamie

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Hi, not been able to update due to the death of my father in law. So sorry to read this news, Maimie.... it must be a very difficult time for you.

 

Got a letter from the OFT regarding the complaint against HFO.

Do you think I should go ahead even though they have stopped calling. That's really your decision to make... you may just be content with the peace now.

 

Letter from Barclaycard aim to resolve the matter by the 24th Sept, this was from the CRM letter dated 29th Aug.

 

Letter from Barclaycard dated 30th Aug, from CRM asking for bank details to credit my account. I assume they're referring to the bank account where you would like your charges refunded. That's ok... they can have that with pleasure. ;)

 

Both letters from Barclaycard came from CRM different people. Don't worry about this... but hang on to both letters, in case the matter is still not resolved, despite them asking for your bank details.

 

Could you advise me on the letter asking for my bank details as you know I sent this before and the money was sent to HFO.

Supply them as requested and see what they do. Make sure that you include any ref. that they have used on their letter in your reply... and send it by rec. delivery.

 

Mamie

 

:)

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Hi P1, It is a very difficult time as OH is not coping very well and it has been very stressful for me.

 

I know HFO have stopped harrassing us at the moment but I know from before that they will start calling again, so I am going to fill in the complaints form.

 

I know they have my sons bank details he sent them first time round, I will get him to write to them again. ( they asked in the letter for him to phone the with the details)

 

I wanted advice before I told him to write. Hope this all makes sense not thinking straight at the moment.

 

Thanks again P1

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Hi Mamie, sorry to hear about your loss.

 

I think you are right to continue with your complaint. Things like phone calls seem to go in cycles, so they no doubt will start again unless you keep going with the complaint with the OFT. Also the only way to get them to stop this practice is for people to keep complaining.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Letter sent to OFT complaining about HFO.

 

Received a final offer from the assistant to the director for almost full amount, my son phoned to give his bank details they told him he would have to get in touch with the FOS first, once he accepts that will be the end of it, so heres hoping no more Barclaycard and no more HFO

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Here's hoping :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 4 weeks later...

I think we'll change this thread to won as well as your other one :D

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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You're very welcome. I couldn't be happier for you after all the trouble you have had over this.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi P1

 

Thank You

 

Don`t know if you saw my RBS thread but thats settled also, so a big Thank You on that one

 

I have also informed the OFT that I wish to carry on with my complaint against HFO

 

Mamie

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