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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
      • 160 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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payday express nightmare


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Well after Lloyds paid the payday lender the sum of £251.00, still claiming the had to as visa cleared the payment, as the debt should have been paid. I did inform Lloyds that ME and not my wife took out the payday loan yet they still took paid from my wife own account as she did quote a debt card to make a payment. ( cancelled along time ago ) . Also Lloyds now chasing my wife for £496.98 just dont know where to turn now , we have wrote to lloyds who refuse to charge back and cancel fees.

 

1, Loan was taken out by me & not my wife

2, Lloyds paid debt on a basis / confirmation from visa wrong the wife did not take out the loan

3, Lloyds charging HUGH fees more than the payday lender

 

Can anyone help with this matter

 

cheers

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  • 1 month later...

well got a letter today from the TSB the account is now £401.00 over drawn, and they demand repayment in full, we feel the bank are blackmailing now by refusing a charge bank of funds which should have not been paid. The payday debt was in my name and not the wifes but the TSB are not playing ball and just adding fees. Clearly the bank is just as bad as the paypday lender

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  • 1 month later...

Well today we have had a letter from SCM Solicitors demanding we repay the debt now £407.00 as Lloyds are charges fees. unless we repay now / 14 days they will start court action. I have asked llloyds for theproof of the debt as they state they were told by visa to pay which wenot see that happening. I have wrote to SCM asking them for the proof of debt in my wifes name.

 

sending recorded delivery as proof we have replied, lets hope they have proof of debt which we dont think they have fingers crossed

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Can you post that letter up minus personal info. I'd be interested in seeing how they word that letter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If, may, could etc etc. You get the idea.

 

It's also one of their form letters, signed by nobody. Notice the SCM signature. Theyre just a solicitor for hire.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 weeks later...

Lloyds have today stopped the access to the online banking, seems strange as now we do not know how many more charges they are adding. We have wrote via recorded delivery asking for the proof of the debt but so far no replies.

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  • 4 months later...

Well after writing to lloyds requesting copy proof of the debt which they refused they passed the file to moorcroft to collect. We asked them for proof of debt and again they refused claiming £428.00, now a company called midas credit service claim they are acting on behalf of moorcroft and they claim £428.00 , just going around and non of the companys can provid e proof of debt. Can anyone help to sort out this debt

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SO Moorcroft own the debt? Chances are they dont care. They are one of the lowest DCA's there are. They will just ignore your request. The OC wont care as they would have already claimed the amount back off their tax/insurance.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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If moorcroft have sent another DCA out after you, then they either own the debt, or they are breaking the terms of their credit licence by sending out a DCA when they are not allowed to. More than one DCA at a time after a debt is a big no-no

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Then moorcroft own it, or they are breaking the terms of their credit licence.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 3 months later...
  • 3 months later...

Can anyone help, we have had a letter from HL solicitors regarding debt. We have requested details in writing and got no reply. Who are HL Solicitors they state they have given 14days to reply


 


what next !!!!!



The letter states

1, full the Clint full amount or part of the sum you admit is due

2, if you claim part provide full written details

3, tell the client you are seeking advice

also if you fail to reply in 14 days we anticipate that we will be instructed by our client to issue country court proceedings without notice.

strange the letter ends

please note that all communications should be directed to our client, quoting the reference

is this just a threat letter ???
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