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


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Ahoy gents. I previously posted regarding my ToothFairy Loan and the text messages I've been recoeving. I've just had a text message from NDR Connect offering to close my file if I pay £80. Asks me to call their number or go to the toothfairy website. I went on the website and NDR's (which has exactly the same layout, hmm), they both mention nothing of this "£80 offer". Opinions guys?

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Unless it is letter or email, treat it as if you never recieved it. CFO have this little trick going to, and they completely clean out your bank account.

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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Be very wary. As i said, CFO have done the exact same thing. However, read what this company have written. They are basically blackmailing you, which on its own should sound alarm bells.

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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  • 2 weeks later...
  • 4 months later...

Hello all, my apologies for not responding for a while I joined my ship around the time, I am now home and have been looking into this matter.

 

I received several E-Mails from a DHR Capital Ltd. Here is the contents:

Dear Michael,

As you have been made aware, your loan with ToothFairyFinance Ltd is now owned and being collected by DHR Capital Ltd.

As you will know, your initial loan amount was GBP 300.00, however as this has now been overdue since 01-10-2013, in line with the charges and interest set out in your original loan agreement, your balance has increased to GBP 750.00.

WE WOULD LIKE TO HELP

We are offering reductions of up to 50% on your entire remaining balance
>

  • Contact us by 7th August 2014 to arrange an affordable monthly repayment plan and receive up to 50% off your balance.
  • Alternatively, contact us by 7th August 2014 to arrange a full and final se ttlement with all interest and charges waived and paying just 50% of the amount you borrowed.

To take advantage of one of the fantastic offers listed above, please either reply to this email, or call us on 0207 112 4876.

We look forward to hearing your reply.

Kind Regards,

 

Collections Team

DHR Capital Ltd

 

0207 112 4876

I have not responded to the E-Mails, and the website of the company is not present. There are several spelling mistakes in both E-Mails, and the first E-Mail claims to settle the loan for £80. I find the "Up to 50%" part ambiguous, I'm sure if I called I would be told I'm not eligible for such a "Offer". Considering how cheap they bought this loan book for I'm not even up for paying that.

 

I have received nothing in the post, and I have changed mobile phone numbers therefore I know not of any texts or calls, but the last time I checked my voice mail there was nothing.

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Ignore. Discounts means the debt is likely made of bogus amounts. They know they arent entitled to anything but they are still grasping for money and trying to make it look like theyre doing you a favour.

 

Get on with your life :)

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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