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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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The DMC is Money Management Team.

 

The debts are (with rounded figures):

 

Lloyds - £3000

DLC - £4000

 

 

Money Management Team. - never heard of em

whats the address or phone number

 

 

what is or was the debt being paid to DLC please

and the Lloyds one - overdraft?

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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Money Management Team. - never heard of em

whats the address or phone number

 

https://www.moneymt.co.uk

 

They used to be Debt Advice Unit.

 

what is or was the debt being paid to DLC please

and the Lloyds one - overdraft?

 

Those were the figures I gave above. That's what I currently owe. There's two Lloyds ones totally around £3000, and the DLC one of around £4000. The DLC was originally a Lloyds business loan. The two Lloyds ones were a credit card and a (non business) loan.

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One of the debts kept getting sold onto other people.

 

 

which one was this the business loan currently with dlc?

the credit card and the pes loan are still paid directly to Lloyds then?

 

 

all can have a cca request sent out...

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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One of the debts kept getting sold onto other people.

 

 

which one was this the business loan currently with dlc?

the credit card and the pes loan are still paid directly to Lloyds then?

 

 

all can have a cca request sent out...

 

No, all the three debts are with the DMC.

 

Yes, the one getting re-sold a lot is the one currently with DLC, which is the business loan. Is that significant?

 

Who do I send the CCA requests to? What addresses at Lloyds?

 

Thanks.

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no forget the DMC exist

they don't OWN DEBTS.

 

 

I've now merged in two other threads that you started last year about doing the same thing.

 

 

one post says one of the Lloyds debts is now owned by

It's now owned by a solicitors called Lester Aldridge.

 

 

I really think you should simply STOP paying MMT now

cancel the contract totally

and ask for any Full & final pot they are holding to be

refunded back to you

 

 

then simply await whomever 'thinks' you owe them money

to write to you.

and we'll deal with it realtime directly.

 

 

use the windfall for a holiday or something

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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It was mentioned in this thread earlier that I could "demand the pot of gold back" from the DMC. What does that mean?

 

I really think you should simply STOP paying MMT now

cancel the contract totally

 

The trouble with doing that is right now all the interest payments are frozen. I imagine that would cease to be the case if I broke the contract with the DMC.

Edited by armitage188
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no.

 

 

1.who says you owe anything?

2. you can also get int/charges frozen

a DMC has no more powers than you.

 

 

imho you are being fleeced.

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 really think you should simply STOP paying MMT now

cancel the contract totally

and ask for any Full & final pot they are holding to be

refunded back to you

 

It means exactly as dx says above ^^

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just another point

as you mentioned uk bank..

you are resident in this country?

 

 

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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No, all the three debts are with the DMC.

 

Who do I send the CCA requests to? What addresses at Lloyds?

 

Thanks.

 

You send it to whoever is demanding the money.

 

I see from the expanded thread that you have asked all of this before. Why did you not do something then?

REMEMBER! Hunger is the enemy - NOT the hungry!

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You send it to whoever is demanding the money.

 

 

What I've been saying throughout this thread is I don't know who to send the CCA requests to. Because:

 

a) they keep getting sold to different people.

 

b) I can't find a list of addresses for the debt departments of the creditors.

 

Also, what's the best case scenario with a CCA request?

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What I've been saying throughout this thread is I don't know who to send the CCA requests to. Because:

 

a) they keep getting sold to different people.

 

b) I can't find a list of addresses for the debt departments of the creditors.

 

Also, what's the best case scenario with a CCA request?

 

Hi,

 

You send the CCA Request to the last person who said they own the debt and you keep sending them to whoever may buy the debt in future.

 

Best case scenario is that they don't have one. Therefore the debt is not legally enforceable. Therefore you DON'T PAY them. They may also write the debt off and you will never hear from them again. You have extra money to spend as YOU wish.

 

Did you work out the difference between what you have paid and what you still owe?

REMEMBER! Hunger is the enemy - NOT the hungry!

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b) I can't find a list of addresses for the debt departments of the creditors

 

The address should be on the letter you received saying that they now own your debt. If you haven't received a letter, why are you paying them?

REMEMBER! Hunger is the enemy - NOT the hungry!

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Did you work out the difference between what you have paid and what you still owe?

 

 

You mean the lump sum to pay everything off? I haven't paid that yet, but the DMC were offering me an average of 30% savings across the 3 creditors on the debt I still owe.

 

The address should be on the letter you received saying that they now own your debt. If you haven't received a lettericon, why are you paying them?

 

The DLC one has an address, yes.

 

The two Lloyds ones haven't sold the debt. They're two departments of Lloyds and I don't have specific addresses for them. They're just listed as generic Lloyds HQs.

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You mean the lump sum to pay everything off? I haven't paid that yet, but the DMC were offering me an average of 30% savings across the 3 creditors on the debt I still owe.

 

The DLC one has an address, yes.

 

The two Lloyds ones haven't sold the debt. They're two departments of Lloyds and I don't have specific addresses for them. They're just listed as generic Lloyds HQs.

 

No. I mean have you added up ALL the money you have paid to the Debt Management Company over the years you have been paying them and compared it to the amount that your debt has actually been reduced by.

 

You must have received a letter from the collections dept at Lloyds, that should have their address on. If in doubt, send it to their registered address by RD, with a covering note saying pass to relevant dept.

REMEMBER! Hunger is the enemy - NOT the hungry!

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