Jump to content
We are now - The National Consumer Service ×


  • Tweets

    No tweets were found.

  • Posts

    • A Labour MP says GB Energy should buy British to avoid the risk of forced labour in supply chains.View the full article
    • The world's race to decarbonise has led to the rise of electric cars - and with it, soaring demand for lithium, which is required for the batteriesView the full article
    • New thread started as you & LFI suggested.  It's best to have one ticket per thread, if not people get confused about which ticket they're giving advice for. Firstly, you have every right to be absolutely fuming at MFG.  You go twice and spend money - and what do you get?  A demand for £100!  Do the people who caused this mess resolve it?  No, they lie and mess you about.  No wonder you're so angry. However ... we're worried you’re leaving yourself open to accusations of theft (even though you made it clear the goods would be returned) and criminal damage.  If you take the initiative and approach the garage politely, (a) that covers yourself at least a bit regarding any possible criminal accusations, and (b) if the manager has a brain you two can easily sort everything out. I say if the manager has a brain.  They might try and play the hard case and stupidly put the blame on you.  Who knows. Anyway, how about sending this 1st class post on Monday?   Dear Manager, I am the person who temporarily took some non-perishable goods from the BP shop on Wednesday and left a letter. I have since calmed down and am writing this letter in a friendly, amicable way between adults without abuse or at all costs apportioning blame. What happened is that some time back I visited your premises at 3.15am to buy fuel.  I then revisited at 8.30pm the same day to use the shop. Afterwards I received an invoice from Euro Car Parks for £100 (discounted to £60 if paid within 14 days). What happened is that the ANPR cameras joined the two visits together and ECP issued the invoice for me staying an absurd 17 hours.  I mean you provide a good service but who would stay 17 hours! If you Google "double dipping" you will see that this is a continual problem in the private parking industry and the industry’s own Code of Practice highlights how steps should be taken to avoid issuing invoices in these cases. When I brought this to MFG's customer services' attention you refused to have the invoice cancelled.  I also visited you and again you were unhelpful. Please "take a step backwards" and put yourself in my position.  Say you visited a supermarket on a Saturday evening.  You also visited on a Sunday evening. Later you got a demand for £100 from a private parking company.  You politely asked the supermarket to intervene but they refused.  I think you would consider the matter unfair and you would be extremely angry with the appalling customer service. Anyone who has even a rough knowledge of the law knows that ECP are your agents, you called them in.  You are the organ grinder.  They are the monkey.  You can easily tell them to cancel this invoice. So i am writing to request an appointment with you in order firstly to return the goods which are yours and of course which I should never have taken.  I would like us to be able to speak in a friendly, adult manner. However, secondly I am not prepared to take all the blame for this matter.  I also request confirmation from you that you have had this unfair invoice cancelled. Yours,
    • A new generation of wealth creators has fuelled demand for private members-only clubs in Asia's third largest economy.View the full article
    • well post it to youtube or facebook. so we can look at it.  
  • 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
        • Thanks
        • Like

Recommended Posts

Hello,

 

My first post hope I'm in the right area and sorry its a bit long winded:!:.

 

In 2007 we took out a consolidation loan through a broker, Freedom Finance, but the money was provided by First Plus.

 

We paid off the whole loan £56k including 12k ppi which we were told that we must have within 6 months.

 

In 2008 we reclaimed the ppi from Freedom.

 

We didn't know exactly how much we had been charged as we were told there would be an early settlement rebate.

 

We were offered £1k which we rejected and then accepted their second offer of £2k

believing that the remainder of the £12k had been a rebate due to the short length of time we had the loan for.

 

However, last year we found the original paperwork and decided to ask First Plus how much ppi we had paid we were shocked to be told it was the full £12k.

 

We tried to have our claim relooked at by Freedom but was told that they had gone into liquidation

and that records showed we had accepted in full and final and should we wish to take it further we needed to contact the FSCS.

 

We did and this after a lengthy wait was advised by the FSCS that we had accepted full and final and they were unable to take our complaint any further.

 

I have already asked them to reconsider but again they have refused.

 

I have also contacted the FOS to ask if First Plus hold any responsibility for the fact that it was a front loaded loan

and even though they didn't actually discuss the loan they still set up the terms and conditions.

 

As yet I have not received any response from them.

 

I have just been reading a similar post on here but they seem to be dealing directly with First Plus so it may be this that makes a difference?

 

Do you have any additional advice that I could follow or do you think I do't have a chance?

 

Thank you in advance.

Link to post
Share on other sites

Hi and welcome to CAG.

 

It should be FP that you go after...they included it on their agreement and charged you interest on it and it was they who you were paying the premiums to.

 

Since the Judicial Review, lenders should re-open cases where a claimant wishes the to do so.

 

Can you just look at your agreement.....does it say it is a regulated agreement under the CCA 1974. Due the size of the loan it may not be but can you just check?

 

ims

 

Link to post
Share on other sites

Hello IMS,

 

Thank you for your response.

 

There is a section detailing the CCA 1974 in the 'amounts payable on early settlement' section it goes into all the details but then it says 'notwithstanding the fact that this agreement is not regulated by this Act'!

Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...