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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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CDR Data Quality Team


dannyfleetwood
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no the best way really

better to keep a paperwork trail

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have decided to write to them. Is this letter ok would you say?

 

 

Towhom it may concern,

 

Iam writing to you as I was recently checking my Experian credit fileand I noticed something on the 3 accounts I hold with yourselves.

Ibelieve the default dates are either

a) wrong or

b) unfair.

In 2009,I started a Debt Management Plan as suggested by one of yourcolleagues when my employer had to reduce my hours at work from 45 to30 per week which was completely out of my control.

I have detailedbelow the accounts, default amount and default dates.

 

CreditCard - account number- £971 - Default Date29/03/2012.

 

Loan- account number - £3544 - Default Date 10/02/2011.

 

CurrentAccount – account number - £231 – Default Date 17/02/2013.

 

Istarted the Debt Management Plan on 01/12/2009.

I was making reducedpayments on all of my accounts with yourselves.

I believe I actuallybroke the credit agreement by making these reduced payments andshould have defaulted mid 2010

and I would now be in a position wherethey would have been off my credit file in roughly 3 years.

 

Iam now in a worse position than if I had just ignored the debt (whichwould have been more beneficial to my credit report).

I feel I havebeen punished for actually trying to pay off my debts as if I hadignored them I would have defaulted long before the dates that youhave defaulted me.

 

Thesedefaults being added in 2011/2012 will now mean it will be 2018before I am even able to begin to rebuild a credit report

and meansthat my life with my partner will be virtually impossible in gettinga mortgage etc.

 

Iwould appreciate if the default dates could be changed to 2010 asevery other creditor defaulted me during that year

so I don'tunderstand why Lloyds TSB is any different?

I aim to get these debtspaid off by 2014 as I am increasing my monthly payments to StepChange.

If you feel these default dates are valid then maybe as agesture of goodwill they could be changed to reflect when I wouldhave defaulted if I had ignored the debt.

 

Thankyou for taking the time to read this letter. I would appreciate it ifyou could investigate this for me and I shall await a response.

 

YoursSincerely,

 

DanielFleetwood.

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urm...

 

i'd send evidence of the other creditors being in the plan

and a copy of your CRA file.

 

in all truth.

 

a creditor can default you at anytime during a DMP.

 

what markers have you on the cra file for lloyds on these account for the time of the DMP start?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Same as the other creditors - AP.

 

Surely I still broke the original agreement as soon as I started making reduced payments? Don't you think 2012 seems harsh when I started DMP in 2009? I would have been better not acting on the debt and took the default in 2010 anyway. This is my argument.

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correct.

 

post them the proof

 

lets see what they do

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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