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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • rita777
      Onboarding - Missold Course/Training

      By rita777 · Posted

      Hello, I hope to get an advise please I learnt about a training course, I decided to to know more about it, I was told it would be £3,000 but I could spread payment for 12 months interest free,  I was very particular that I would not want this proposal to reflect on my credit file, I specifically told them during the Onboarding call that I would be applying for a mortgage and I would not want my Credit score to drop. I was constantly reassured it would just be a "Soft Search" . The Onboarding guy even brought in their Accounts Manager on the phone, who also reassured me it would NOT be a hard search. To my utter shock and dismay, it has come as a HARD SEARCH on my file and my credit score has dropped to confirm my fear 😞 ...  I have already paid 2 months instalments. I contacted the course provider/ Proprietor by message, he referred me to the accounts manager, who responded to me that the finance provider (Pay it monthly) they use is a third party provider, and that they were told it would be a soft search , and this is the 1st time they would be hearing of a "Hard search" on the process. I do not believe this excuse, i think i was just cajoled to sign up , I am highly disappointed, I have finally secured a day next week to speak with the Accounts manager,  After sign up, they have given me access to all the Course packages etc. I need advise on this mis sold product and what to say at the online meeting?   Thank you.
    • dx100uk
      Complaint to NatWest over 3 months ago but still no response

      By dx100uk · Posted

      well i tried to make it a wee bit more understandable as 3 large blocks of text is a bit diff for people to read on small devices. anyway. i didn't really get very far in actually understanding what you want help with even after that...
    • dx100uk
      EPC/DCBL PCN - appealed - MFG Esso Cobham

      By dx100uk · Posted

    • stu007
      Satellite TV still can't be viewed nearly three weeks after scaffolding was taken down - ** RESOLVED **

      By stu007 · Posted

      Hi That's great news that it has well IMO been resolved to a certain extent that the Satellite Dish has be aligned properly and you have your Sky Services that you are paying for back. Does that make up for your Loss of Service IMO NO you should be entitled to claim compensation from the Housing Association for this Loss due to the fact: 1. It was the Contractor Employed by the Housing Association working on the Building/Roof that caused the Satellite Dish to be put out of alignment 2. The first Contractor sent by the Housing Association could not access the Satellite Dish as it was on the Roof (which the Housing Association would have been aware of) and needed the keys to access the roof which the Housing Association failed to provide due to there Housing Officer being off work but couldn't be bothered to send another staff member to do this. 3. The Second Contractor was able to access the roof as keys provided by Housing Association and re align the Satellite Dish. The Housing Association are liable for this Loss of Service as it was there Contractor employed by them that initially caused the Satellite outage them further compounded by the next Contractor employed by them not able to fix the dish as they couldn't get access to the roof due to the Housing Association not giving keys then you had to wait for the next Contractor again employed by the Housing Association who was able to access the roof and fix the Satellite Dish. The Satellite Outage length of time to fix was caused by the Housing Association and you must also remember it is YOUR RENT PAYMENTS that are paying for these services of those contractors so just think how much it has cost the Tenants for those 2 Contractors to fix that Satellite dish when it should have been done the first time and who caused the issue the buck stops with the Housing Association.
    • stu007
      Are There Any Social Workers on CAG ?

      By stu007 · Posted

      Hi Couple of links of interest for you: Supported Housing (Regulatory Oversight) Act 2023 WWW.LEGISLATION.GOV.UK   Regulation of supported housing: next steps - Shelter England ENGLAND.SHELTER.ORG.UK The Supported Housing (Regulatory Oversight) Act 2023 came into force on 29 August 2023. The Act sets out to introduce changes to how supported exempt accommodation is regulated.   Guide to Supported Accommodation Regulations including Quality Standards (Note: The below link is an automatic PDF Download) https://assets.publishing.service.gov.uk/media/6514400088281e000db4e965/Guide_to_the_supported_accommodation_regulations_including_quality_standards.pdf

  • Our picks

    • If you are buying a used car – you need to read this survival guide.

      BankFodder posted a topic in Vehicle retailers and manufacturers,

      If you are buying a used car – you need to read this survival guide.
      • 1 reply
      BankFodder

      Picked By

      BankFodder,

    • Big Motoring World Enfield /Blackhorse - done over on car - @BigMotoringWrld

      ATJ posted a topic in Vehicle retailers and manufacturers,

      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
      BankFodder

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    • A2Dominion - Housing Association property flooding - damning ombudsman report

      WanTToMoveOn posted a topic in Residential and Commercial lettings/Freehold issues,

      Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
      WanTToMoveOn

      Picked By

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    • Post in Suing a parcel delivery company when you don't have a direct contract with them – third-party rights Copy of judgment available

      BankFodder posted a post in a topic,

      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
        • Like
      BankFodder

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.
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Lowell Portfolio - Don't like CAG

cw412

By cw412
in Debt Collection Agencies

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cw412

cw412

Posted
Posted

Hi All

 

Just thought that I would put on here a telephone conversation I had with Lowell yesterday.

 

I asked them a month ago for a copy of the CCA and default notice that they were dealing with. They still have not sent it so called yesterday.

 

They told me that I should not ask for it and just pay the debt as if they can't provide it, then the original creditor will and chase me for the debt.!! A bit odd as they should go back to the creditor to ask.

 

He also said that they were sick of people phoning them after visiting this great site and enforcing their rights. He said that there are a lot of mistaken people on here. I don't think so. DCAs are running scared.

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mr.ton

mr.ton

Posted
Posted

He also said that they were sick of people phoning them after visiting this great site and enforcing their rights. He said that there are a lot of mistaken people on here.

 

Id love to know what he thinks we are mistaken over exactly?

People are slowly beginning to learn that DCA's have no power/authority to obtain money off people even if you do owe a debt.

Only a county court has that power & the DCA's are beginning to realize that we now know this :)

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KER

KER

Posted
Posted
It would be great if we could raise the funds to start an advertising campaign.

 

There's way too many people here already desperate for help with a limited pool of helpers available!! (and also those that get their help and go back into the wilderness and don't stay to help others too!!!)

 

:|

  • Haha 1

When you've had all the help you need, make sure you stick around to help others too!

Just think, if everyone left the site after they'd got their help, there might not be anyone left the next time YOU come back needing more assistance!!!!!!!

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creditcardmug

creditcardmug

Posted
Posted
There's way too many people here already desperate for help with a limited pool of helpers available!! (and also those that get their help and go back into the wilderness and don't stay to help others too!!!)

 

:|

 

Completely agree with that, the site will die if people dont continue to support it, even if its only from their own experiences, well said.

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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ODC

ODC

Posted
Posted

At last the pressure is beginning to show on the Leeds Losers. They are easy to beat. Uise the law that they are so scared of you using. Tell everyone about CAG. Post links to CAG everywhere. Include CAG in all your emails send details to everyone in your address book.

 

With CAG we can make a difference to these greedy bullies. Hit them where it hurts in their profits. Remember every CCA request that they cannot comply with is less money for their coffers and every person who realises that they are under NO obligation to pay a Statute Barred Debt is one more victory. Remember that most of the Barclaycard Debts and CAPONE debts they are chasing are unenforcable due to the FACT that they cannot provide a properly executed CCA

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noomill060

noomill060

Posted
Posted

Agreed.

 

In the same way that the bank charges campaign highlighted an activity of doubtful lawfulness in the banking industry, DCAs are now having to come to terms with an increasingly informed consumer, unafraid to flex muscles which have actually been there since 1975.

 

Its hurting, so its clearly working.

 

I predict the that next campaign will be against the "right" of financial institutions to issue default markers, without evidence of a properly executed agreement.

 

This has started already, but has yet to build real momentum.

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creditcardmug

creditcardmug

Posted
Posted
Of course there is another DCA on here who complain to the mods at the slightest thing. Glad to know we are getting under your skin Bob:)

 

That would be the DCA with the name beginning with...?

Please note i have no legal training any advice i give comes from my own experience and from what i have learned on this site

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F_DCAs

F_DCAs

Posted
Posted

Well, that is the beauty of the internet and the freedom of speech opportunity that it offers. We can voice an opinion (or facts rather) contrary to what they have to say, and the DCAs are beginning - finally - to realise that they're powerless to stop it. Just as they're powerless by their very existence when it comes down to it. The truth hurts, and in their case, it's not a minute too soon.

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dannyboy660

dannyboy660

Posted
Posted

Lowells had a couple more CCJ's registered against them last week.

 

There IS a growing number of people prepared to take them on because the growing debt problem means more people are taking an interest in the way DCA's operate. Anyone searching the web for Lowell (and others) is sure to end up here.

They can be beaten and there is no reason at all why anybody has to put up with the threats and bullying of DCA's - that message needs to be sent out to anyone who might find themselves in difficulty.

No-one needs to suffer such misery in this day and age, just over money.

HOIST BY THEIR OWN PETARD.

 

Blimey it works....:-)

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ODC

ODC

Posted
Posted
Lowells had a couple more CCJ's registered against them last week.

 

There IS a growing number of people prepared to take them on because the growing debt problem means more people are taking an interest in the way DCA's operate. Anyone searching the web for Lowell (and others) is sure to end up here.

They can be beaten and there is no reason at all why anybody has to put up with the threats and bullying of DCA's - that message needs to be sent out to anyone who might find themselves in difficulty.

No-one needs to suffer such misery in this day and age, just over money.

So much for the waffle in their webs*ite

 

 

Our people are our strongest assets and create the culture that drives our business. :eek:We are committed to recruiting and retaining staff of the highest calibre and invest heavily in training and development. 2p per head in the last year

 

Our people work in a stimulating environment Its a call centre with

the very best support and technology, they are

encouraged to:

Show passion, drive and commitment

Generate fresh and insightful thinking thinking of new porkies and excuses not to comply with the CCA and CPUTR

Anticipate the needs of clients

Adopt a caring and sensitive approach to debtors Surely a breach of the Trade Descriptions Act

Contribute to a culture of continuous improvement

Maintain a friendly and accessible approach in all internal and external interactions

Enjoy their work and make a positive contribution Wonder why they have such a high turnover

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