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    • We purchased our Mercedes in September 2023 from Doves in Horsham for £21000, paying half cash and half on finance. We also purchased warranty for life via Ramp as recommended by Doves. On 12th May 2024 the car failed to recognise the key and wouldn’t not open, the AA could not identify the problem so via our warranty the car was taken to Mercedes in Croydon. After 3 weeks the problem was finally identified as water ingress in the drivers side footwell which has corroded and blown various components. After further investigation it was discovered the windscreen was date stamped 2019 (all the windows are 2018 - therefore not the factory fitted windscreen) The leak has developed due to incorrect sealant being used assuming when this was replaced and also water leaking from the seam. The warranty company do not cover water ingress so we are now faced with a bill of £3635. As we are now at 8 months since purchase (problem started at just over 7 months) we are not covered by the consumer rights acts. Would we be covered Sale of Goods Act? We have all the reports for the works being completed but unsure if this should be taken to the finance company or Doves who we purchased the car from. Do we pay for the works and then try and claim it back or should they be paying? Any help would be much appreciated
    • im also wondering if back billing applies here too . from looking at like threads around this SSE to ovo compulsory switch, it must be evidenced by the claimant that bills were regularly issued for the period of the supply the debt they claim covers. there are no threads here that show they could ever produce them, so back billing rules (12mts) might also play a part.
    • Vodafone have reported that they are having issues with their Credit File APIs into the Credit Reference Agencies where aged accounts over 6 years are being readded to Credit Files. In some instances, people are having defaults rescinded and changed to late payment status making the account live again!    --- Have you been affected? Please keep an eye out on your credit file for any  new Vodafone Account appearing where there shouldnt be any reason. If you are a Vodafone Customer - Check that the information is correct. check for Late Payments and Defaults.    Don't forget to consider the financial impacts this could have on you.  ---   If you are struggling - Post below and we can guide you to get the result you need!    Its been reported that Experian and TransUnion seem to be where these appear.  They are able to remove the information relatively quickly and it will reflect on next Credit File Refresh.         
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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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