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    • Thank you for taking your time and helping me on this. Would you recommend I also send a letter tomorrow to both BMW and Motonovo?
    • she and  johnson need to be kicked off the taxpayers credit card - for starters I'm certain there is cause - taking up 'jobs' when they shouldn't, bringing the nation into disrepute with their antics .. I'm sure it would be a very popular act from a new labour guv
    • Please have a look at this draft letter. It is modelled on yours but I have cut out a load of the unnecessary information. Also, the responsibility lies with the finance company because the vehicle was brought on hire purchase. You send it to them and a copy to big motoring world.   Let us know if there's anything that you disagree with, which is wrong, which you think should be added
    • According to Alastair Campbell on Twitter, anti-Le Pen parties are pointing to RN's fiscal policies and saying they'll cause a 'Truss-style market meltdown'. Liz Truss charged taxpayers for Amazon Prime subscription - Mirror Online WWW.MIRROR.CO.UK The subscription costing £95 gives the ex-PM free shipping from the retail giant, as well as the ability to stream films and TV shows such as My Fault...  
    • Thank-you @BankFodder, your statement is a correct understanding of my position and I agree, it is actually really what I was looking for in starting this thread, as I too believed that the maximum I could claim for is that which I sold it for, even though this was substantially below market value at the time. And so, this sold value is what I shall be claiming for + the other expenses. @dx100uk I get your point, but this is just not what I want to expose myself to. Unfortunately I was one of the unlucky ones to have my details stolen in the Peoples Energy hack, and in 2020 I discovered that those details had been used to take out car insurance, and that the insured was then involved in a collision and my details were dragged through the mud. Despite Aviva cancelling the claim and treating as though it never were, even though I have the letters from them to say that they have removed this claim from the insurance database, I still get refused insurance and credit products to this day until I send across the letter from Aviva which explains that I was a victim of fraud. So you'll forgive me for not jumping up and uploading my data to a server utility for which I have no control over its retention policy, or where the server is located globally, its legal jurisdiction, or its security protocols.
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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 
      • 81 replies
    • 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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Welcome Finance - This company needs to be banned.


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I think we need to get a few confirmations. I will do my best to find out if

 

Welcome are allowed to charge interest on acceptance fee.

 

What are the criteria for cancelling PPI

 

Is a rebate allowed

 

How long without any reply can you put the account into dispute without recourse onto the customer

 

Backloading loan with rebate when capital should be re-calculated and new agreement signed

 

Stewie

 

gloucs, any comments on my above post?

I need to change my avatar..But cant find a good replacement.

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Milly - I'm on it just had a rant at the head honcho over at DG - he's said give him 15 mins and he'll contact me with the details I need - when I get them I will pass them on to you for use.

 

Thanks Andie :) - I also just spoke with them again and they told me the supervisor is still looking into it and is waiting for someone from NU to call back - asked if it would be today but was told not sure

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allstaff@wfs.co.uk - could be a goer to

 

 

bingo - just got a delivery report it reads

 

This is the mail system at host cat-mail-02.cattles.co.uk.

Your message was successfully delivered to the destination(s) listed below. If the message was delivered to mailbox you will receive no further notifications. Otherwise you may still receive notifications of mail delivery errors from other systems.

The mail system

: delivery via 127.0.0.1[127.0.0.1]:10025: 250 OK, sent

49C8FDCC_26206_3277_1 818C9193B885_9C8FDCCB

Cattles plc Registered in England No: 133540 Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF179TD.

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Welcome are allowed to charge interest on acceptance fee. as far as i know yes

What are the criteria for cancelling PPI for a lower payment within 30 days, for a month on month rebate after 30 days

 

Is a rebate allowed i don't know other than the above

How long without any reply can you put the account into dispute without recourse onto the customer 24 hours

Backloading loan with rebate when capital should be re-calculated and new agreement signed rebates and PPI cancellations were dealt with through CRC - all through post

 

 

 

 

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Gloucs, can I ask....did you ever know of anyone scanning and keeping customers signatures at all?

 

Can you tell me what a CAM that had just got customers to sign quickly had to do to get a statement of price put on the system for the account?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Will That Person From Norwich Union Be Welcome In Disguise

 

Caller Display Me Thinks

 

Every Body Leaves Tracks

 

Right Andie

 

 

more than they think - but now stewie is in his place (and deleting his hard drive :p) we will be ok

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Gloucs....we appreciate any assistance you can give to any caggers who have had problems, as you can imagine there will be some who feel they have been mistreated by a company. Please also check your Personal Messages too.....

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bingo - just got a delivery report it reads

 

This is the mail system at host cat-mail-02.cattles.co.uk.

Your message was successfully delivered to the destination(s) listed below. If the message was delivered to mailbox you will receive no further notifications. Otherwise you may still receive notifications of mail delivery errors from other systems.

The mail system

: delivery via 127.0.0.1[127.0.0.1]:10025: 250 OK, sent

49C8FDCC_26206_3277_1 818C9193B885_9C8FDCCB

Cattles plc Registered in England No: 133540 Kingston House, Centre 27 Business Park, Woodhead Road, Birstall, Batley, WF179TD.

 

 

VERY VERY STRANGE!!!!

 

127.0.0.1 - Whois InformationOrgName: Internet Assigned Numbers Authority

OrgID: IANAAddress: 4676 Admiralty Way, Suite 330City: Marina del ReyStateProv:

CAPostalCode: 90292-6695

Country: US

 

I think its a general IP range

I need to change my avatar..But cant find a good replacement.

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Gloucs, can I ask....did you ever know of anyone scanning and keeping customers signatures at all?

 

Can you tell me what a CAM that had just got customers to sign quickly had to do to get a statement of price put on the system for the account?

 

 

yes - all paper documents were couriered to head office in nottingham for data image processing (DIP it was known)

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yes - all paper documents were couriered to head office in nottingham for data image processing (DIP it was known)

 

Makes sense, and what about if the CAM hadn't got the customer to sign the statement of price, or one of those kind of documents? (Am talking about the many many who were given the bottom of an agreement o sign only...how does all the rest get done?)

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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is there any way one of you guys - to clairify who i am - could give me some sort of survey or phonecall etc I am trying my best to ans your q's but you are adamant i am not telling the truth.... I am telling you exactly what i was told and what i used to do. I promise, if i was lying i would not bother staying on the forum.

 

Its ok Gloucs. You are among a good bunch of people..as long as your agenda is what you mentioned then everything will be ok. I hope you get your issue sorted out to!

I need to change my avatar..But cant find a good replacement.

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Thanks Andie :) - I also just spoke with them again and they told me the supervisor is still looking into it and is waiting for someone from NU to call back - asked if it would be today but was told not sure

 

 

Well i've just had a returned call - I basically laid it out to them either comply with what I am asking for or I will file a motion with the court to have you do so.

 

Anyway in the course of the conversation what comes out...

 

we don't all have access to your details but some people do have access here and can tell you whats been paid and to whom!!!!!!!!!

 

Now WHAT HAVE I BEEN ASKING FOR????

 

And whilst the lady was very nice and I couldn't have a go at her - I had to laugh at this one..

 

"the reason they don't want to give it you is if you buy a jumper and M&S for £20 you don't ask M&S what they paid the factory for it"

 

Hmmmmm have you just said what I think you said???

 

:confused:

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VERY VERY STRANGE!!!!

 

127.0.0.1 - Whois InformationOrgName: Internet Assigned Numbers Authority

OrgID: IANAAddress: 4676 Admiralty Way, Suite 330City: Marina del ReyStateProv:

CAPostalCode: 90292-6695

Country: US

 

I think its a general IP range

 

 

Ha ha ha well theres a lot of cattles employees in the US just got a blank email with a frowning face on it :mad:

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Well i've just had a returned call - I basically laid it out to them either comply with what I am asking for or I will file a motion with the court to have you do so.

 

Anyway in the course of the conversation what comes out...

 

we don't all have access to your details but some people do have access here and can tell you whats been paid and to whom!!!!!!!!!

 

Now WHAT HAVE I BEEN ASKING FOR????

 

And whilst the lady was very nice and I couldn't have a go at her - I had to laugh at this one..

 

"the reason they don't want to give it you is if you buy a jumper and M&S for £20 you don't ask M&S what they paid the factory for it"

 

Hmmmmm have you just said what I think you said???

 

:confused:

 

:lol::lol::lol::lol::lol: jumpers from M&S - for the love of god...do they really think this is all about us wanting to know if we could have got the policy wee bit cheaper?!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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