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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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      BankFodder posted a topic in Vehicle retailers and manufacturers,

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

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

Sothern Pacific Mortgages - SETTLING IN FULL

Seminole

By Seminole
in Other Institutions

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Marian Burnip

Marian Burnip

Posted
Posted

We had to take a mortgage with Southern Pacific when our Business Got into trouble during Foot and Mouth. We ended up with poor credit and had little choice than to mortgage with them for a year. We paid excrutiatingly high repayments for one year (interest only) and then had to pay in excess of £10,000 redemption to move to another mortgage company. I wrote to them but they didn't seem interested to do anything. Does anybody know if there is anything I can do about this. It really hurt at a time when we really didn't need it (who ever needs a 10 grand plus) bill. Talk about being kicked when you are down.

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susanmom

susanmom

Posted
Posted

Hi

I am trying to tackle outregeous redemption penalty from Pacifc Home loans - is this a redemption penalty you are claiming?

 

Regards

 

Susan

susanmom

Halifax £2256 LBA 22/5

Accucard £80 LBA 22/5

Intelligent Finance £507 LBA 22/5

Intelligent Finance card £170 LBA 22/5

Citicards £175 LBA 22/5

CapitalOne £220 Prelim 22/5 £60 refunded

Cahoot Loan £90 settled in full

Barclaycard £72 LBA 22/5

Paragon Personal Finance £1701 Prelim 16/5

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Marian Burnip

Marian Burnip

Posted
Posted

Hi Susan

 

Yes it is a redemption figure!

 

We really had no choice but to go with them (other than rent or be homeless, but what good would that have done our credit). I cannot believe we had to pay so much. What makes it worse is that it wasn't our fault we were in that position in the first place (Foot and Mouth etc.) We had to pay between £700 to £970 at the end) per month on an interest ONLY mortgage of £115,000.00 then got slapped with the £10,000 + redemption at the end of it. How do these companies get away with it. How far are you with your fight? What steps are you taking? Do you know if we have any rights to fight this?

 

Thanks for your reply

Marian

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susanmom

susanmom

Posted
Posted

HI

 

We only have about £2000 to claim on redemption penalities. And I am just getting started on making claims, have just over £3000 to claim against various banks/credit card companies over the last 2/3 years as well. Found this site as a result of a chance conversation with someone in the lift at work. We got into debt when my husband was made redundant at work while i was pregnant with my first about 4 years ago, he started work again just before my son was born and we bought alarger house, then interest rates went mad, couldn't make payments on credit card debt incurred while living on one salary, discount rate on mortgage ended and credit was too bad to get another mortgage so took out secured second load to payoff credit cards but then needed to sell as we couldn't afford mortgage and then got screwed over on penalties when we sold so had to take out an unsecured loan to pay the agents commission and then had to rent. Luckily our luck has slightly turned as I changed jobs and got a relocation package so we could buy again, the house we bought was a part exchange so the developer gave us "cash back" so we cleared the most pressing debts, bought cars which actually went and did some essential repairs on the house. Am now trying to claw back some of the charges so that we can start giving our two very young children some sort of life!

Now, if I may ask some advise, which letter did you use to approach the redemption penalty issue? The normal preliminary approach one?

 

Thanks and GOOD LUCK

Susan

susanmom

Halifax £2256 LBA 22/5

Accucard £80 LBA 22/5

Intelligent Finance £507 LBA 22/5

Intelligent Finance card £170 LBA 22/5

Citicards £175 LBA 22/5

CapitalOne £220 Prelim 22/5 £60 refunded

Cahoot Loan £90 settled in full

Barclaycard £72 LBA 22/5

Paragon Personal Finance £1701 Prelim 16/5

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Seminole

Seminole

Posted
  • Author
Posted

I'm not tackling them over redemption penalties, just their monthly charges. The jury is very much out on charges for early redemption. They are certainly unreasonable from the point of view of the customer but they may not be unfair in law.

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BankFodder

BankFodder

Posted
Posted
I am new to all this. Can anybody tell me how I should start to go about objecting to the high redemption fees charged by Southern Pacific. Who can offer me on advice on how to approach it etc.
please could you post your question a separate thread and it will be dealt with. However the first thing that anybody will tell you is to read the FAQ and the forum material. We should take two or three days. Once you've done that then come back
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  • 4 weeks later...
dolly

dolly

Posted
Posted

That is fantastic news.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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  • 12 years later...
Seminole

Seminole

Posted
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Posted

This topic was closed on 03/05/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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