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  • Miliband unveils energy plan with new powers over wind farms

    The change is part of the government's new action plan for meeting its 2030 clean power target.View the full article

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    General Consumer issues in the media...

    British trader found guilty of £1.4bn fraud

    He was sentenced to 12 years in prison - the heaviest penalty ever for a Danish fraud case.View the full article

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    General Consumer issues in the media...

    FCA demands better evidence in Consumer Duty reports

    FCA demands better evidence in Consumer Duty reportsView the full article

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    Credit Today

    Trump rings bell on record stock market - but will it last?

    The US president-elect comes into office with a strong economy, but investors hope for more and current highs may be difficult to sustain.View the full article

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    General Consumer issues in the media...

    Roundtable Round-up: Industry Leaders Report 'Segmental' Business Stress

    Roundtable Round-up: Industry Leaders Report 'Segmental' Business StressView the full article

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    Credit Today

    Apple Mac mini (M4) review - Which?

    We’ve put the Mac mini (M4) through our tough lab testsView the full article

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    Which? Consumer News
  • hoist portfolio holding 2 limited

    hoist portfolio holding 2 limited say about themselves:      

    BankFodder
    BankFodder
    News from the National Consumer Service

    Started self managed DMP

    Hi, Last year I started my own DMP. I have 4 creditors, Barclaycard, Likely Loans, Capital One and Robson Way (2 cards with Newday).   Shortly after starting, Barclaycard offered a fixed payment plan for 62 months, the amount requested was below that offered. After a further six months Capital One allowed me to use the card again.   Now some questions:   How would I put these two on my  I & E review?   How would the others react this?  

    Abertawe1966
    Abertawe1966
    News from the National Consumer Service

    Identity Thief has used my details for Fare Evasion!!!

    Hi,   I got a letter from TfL a few days ago saying that I've been reported 'for failing to produce a valid ticket, pass or photocard on the London Underground'.    The thing is I wasn't even in London on that day. The only explanation is that someone is using my identity.   My car got stolen in beginning of the year which had my driving licence in the glovebox.   I am due to go abroad soon and now I have to deal with this. What am I supposed to do

    warren-
    warren-
    News from the National Consumer Service
  • Our picks

    • 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
      • 162 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
        • Like
    • Post in Some advice on buying a used car
    • People are still buying used cars unseen, paying by cash or by bank transfer, relying on brand-new MOT's by the dealer's favourite MOT station….
      It always leads to tears!
      used car.mp4

       

       
    • Pizza delivery insurance.mp4


       

       

       

      Parcel delivery insurance 1.mp4
        • Haha
      • 4 replies
    • A former tracing agent pleaded guilty and was fined for illegally obtaining personal information to check if customers of a high street bank could repay their debts.View the full article
        • Sad
      • 0 replies
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