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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
    • quite honestly id email shiply CEO with that crime ref number and state you will be taking this to court, for the full sum of your losses, if it is not resolved ASAP. should that be necessary then i WILL be naming Shiply as the defendant. this can be avoided should the information upon whom the courier was and their current new company contact details, as the present is simply LONDON VIRTUAL OFFICES  is a company registered there and there's a bunch of other invisible companies so clearly just a mail address   
    • If it doesn’t sell easily : what they can get at an auction becomes fair market price, which may not realise what you are hoping.
    • Thank you. The receiver issue is a rabbit hole I don't think I'm going to enjoy going down. These people seem so protected. And I don't understand how or why?  Fair market value seems to be ever shifting and contentious.
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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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CAG CRA S.A.R Club


sosumi
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There have been a couple of other CAGers that have S.A.R - (Subject Access Request)'d the CRA's and received a shed load of paperwork.

It's on my list for the next project once I have everything under control ;)

Sosumi, I'll happily move up my plans if you want some support.

We can both attack this.

Be VERY careful whose advice you listen too

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renegotiation, that's not really a worry as we have the tools and knowledge to deal with that eventuality ;)

 

This has already happened to Dobby, when they requested the simple report anyway.

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Be VERY careful whose advice you listen too

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Be VERY careful whose advice you listen too

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:) Thanks CB - when you say 'us' does that mean I can ask for one covering both hubby and me?

 

sosumi, remember that DPA covers individuals, so you'd have to do one each with TWO lots of fees as well.

Be VERY careful whose advice you listen too

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Sosumi, I agree, we have been lead to believe that the CRA's are working as an independent body, but from experience here that just isn't true.

There are DEEP links between the CRA's and collection industry that simply shouldn't be allowed.

The number of times there are posts where people have checked their file and DCA's have come knocking or they simply trawl through our records is scary. This whole thing smacks of MASSIVE breach of the DPA and hopefully this action should go some way to uncovering that.

 

If it does I think that our next course of action should be a serious complaint to the appropriate bodies. Now I wonder if the FOS would be interested ;)

 

Hopefully with all the good work that CAG is doing the financial industry as a whole will get the wake up call that they need.

 

Post your S.A.R - (Subject Access Request) when you're done and we'll have a look.

I've been thinking along the same lines as well.

Something short and sweet and too the point I believe is in order.

Be VERY careful whose advice you listen too

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Hmm not sure about that letter sosumi.

I was thinking more along these lines.

Data Protection Act 1998

Subject Access Request

Dear Sir/Madam

DATA SUBJECT: **Your Name and Address**

 

Please supply me with a complete breakdown and copies of all information held with your organisation.

 

Also details for every organisation that has accessed my data for the period which you hold records and any supporting documentation and notes.

 

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which I normally use.

 

Please consider this a request under section 7 of the Data Protection Act 1998. I enclose the statutory fee of £10. You have 40 days in which to comply.

 

Thank you in advance for your assistance with this matter.

I would appreciate your due diligence.

 

Yours faithfully,

 

That should cover it.

Also you'll have to sign this one, but do it in such a way as to make photoshop specials impossible.

Normally I sign on a printed line like this; #_________*__________#

Be VERY careful whose advice you listen too

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  • 2 weeks later...

Well I applied for this a few months back and nothing unexpected happened, so I'd say it's safe.

As I mentioned it is only and overview and as such not really as detailed as the main three.

But it is FREE, mmmmmm I like free ;)

Be VERY careful whose advice you listen too

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