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    • 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.
    • 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...
    • 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.
    • 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
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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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mackenzie hall oh help


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Just recieved a notice of court action letter from these have printed off a cca and will post it with its £1 so then hopefully will be ok.

The debt is owed to LTSB from an old bank account which we have not used for many years have no idea whats it caused by so hopefully this will help.

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You will also find that Mac Hall, can talk the talk but are never able to walk the walk.

 

99% of their letters are all puff and bluster and they never follow through with their threats of court etc, as 99.99% of the time they do not have the required documentation of whichever debt they are tracing.

 

Never ever telephone these clowns !!! under any circumstances.

Send them the CCA Letter if the debt is not statue barred, and if you are unsure about anything just come back to this thread, there are plenty of people here who will help you further :)

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What does the letter say? MHall are known for sending out fake court documents which are designed to scare the receivers into a response. I think their wrists were slapped a couple of years ago for sending out fake statutory demands. If they are up to their old tricks again I would ignore them completely but send copies of the letter to trading standards (your local council) and to East Ayrshire District Council's trading standards department as well as the Office of Fair Trading.

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