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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 
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    • 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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old defaulted speed credit entry causing issues


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Hi, I apologise in advance if this is some what confusing, so here goes.

 

3 years ago I took a loan with Speed Credit which was subsequently passed to Marshall Hoare Bailiffs.

I kept up regular payments until I received a call saying they had gone into administration

and would need to wait till someone bought the debt to continue my payments.

 

I was contacted since then by Digital Finance Services via email telling me they had bought the debt and I owed x amount,

I replied saying that was fine but I wanted it in writing rather than via email confirming this. Never heard anything.

 

I have since sorted all my finances out and have a very well paid job that has enabled me to build a healthy savings account and current account.

 

 

today I went to get a new car and was refused credit which confused me

 

 

I checked Noodle and saw all these missed payments because of the above mentioned debt.

Where do I stand as I have never missed a payment went it was due and it is not my fault the firm collapsed.

 

 

Any advice would be much appreciated.

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Quite how MH Bailiffs got involved is anyones guess, probably because they were carrying out consumer credit activities when they were not

authorised to do so!

https://www.fca.org.uk/news/warnings/marshall-hoares

 

For that little trick, you need to make a formal complaint to the FCA.

 

Here's another thread about these loan sharks...http://www.consumeractiongroup.co.uk/forum/showthread.php?429209-Digital-Financial-Services-claim-to-own-SC-Debt-of-%A33000

 

Whose name is next to the default marker?

 

You will need to communicate with them via letter ONLY, and start a dialogue with them.

What's the date of the default marker?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I wonder if there is worth here in sending the registered owner of the debt

on your credit file a CCA request?

 

 

then when they fail this

demanding the CRA file account is totally removed?

 

 

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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