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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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Hi, I've had a read through previous posts and was hoping for some advice on our current situation.

 

We entered debt management plan in Jan 2013 (70k credit cards & bank loans).

 

 

Never missed on mortgage payments (1 residential & 2 buy to let) and these are currently up to date.

 

 

We have a couple of properties which have finally increased in value and are hoping to sell this summer and get back on track.

Our DMP has always been up to date.

 

We were wondering what our chances were of obtaining a mortgage in future once we come out of the plan.

Both of us have good jobs and stable employment.

 

Also - if we went for part/full settlement of our debts does this pose an increased risk?

We were hoping that if we went for part/full settlement we would be able to save

and get another residential mortgage in a year or two

- not sure if mortgage company would look at us

- any thoughts?

 

Really appreciate any help and advice

as this DMP is a weight round our necks that we really want to get rid of as soon as feasible

(never paid a bill late until we entered into this but was unavoidable due to significant change in circumstances).

 

Please be gentle as I am not overly familiar with protocol on forums.

Thank you for reading

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Who was the DMP?

 

DId you check the validity of your debts before offering to pay them?

 

Did you reclaim everything you could?

 

If its a paid for DMP, dump them now.

 

Theyre pocketing your money for their own profits.

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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dmp company have been really helpful to be fair (beech)

- not sure how easy it is to take control of it ourselves??

 

Not checked any of the debts are valid but not entirely sure what you mean here if you could be a bit more specific

- would the dmp company not have done this already.

 

Desperate at the time so god knows what we have signed with them

- clauses etc

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  • 3 weeks later...

Hi,

We are hopefully getting closer to either partially settling these debts

or at least fully settling some of them and coming out of the DMP.

 

We don't deny these debts are ours so not sure about our moral standpoint on questioning the validity

however we haven't checked PPI due to the fact these companies charge you

even if the compensation is drawn down off the debt.

 

If we were to partially settle these debts and then claimed the PPI compensation

would the PPI be paid to us or again be put towards the shortfall of the partial paid amount and outstanding amount.

 

Still not completely clear about the 'Full & Final' and 'Partially Settled' differences and the impact it may have on future loan apps etc.

 

We are now both in good employment and in a far better position than we were 4 years ago, we will not be charging headlong into the same mistakes we made, albeit led willingly by the banks.

 

Thanks you for any help/advice you can send our way.

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I doubt you'll get a mortgage (certainly not a none sub-prime one) if your credit score is poor die to your past history.

 

Obviously once you resolve the past issues your credit score should increase fairly quickly

- this will increase your chances of getting a mortgage.

Once your credit file is clean (6 years) then there should be no problem.

 

You have to be congratulated on getting things back on track after such a tough ride!

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who is you DMP with please?

 

 

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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dump them now

they are a fee paying DMP company

and reclaim the 'pot' they are secretly holding

to off your creditors a F&F settlement.

 

get an sar off to them and find out where all your money [didn't] go.

 

can you list your debts please

who they were original taken out with

type of debt

and who the debt is paid to now.

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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dmp company have been really helpful to be fair (beech)

 

:lol::lol::lol:

 

well they will be

money for nothing fee charging DMC

when you can do it for FREE

and probably get lots of your debts written off..

 

can you confirm which beech it is

there are several.

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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Beech in Macclesfield

I will answer the above questions later today when I can dig out all the docs.

Thanks again for all of your time

 

barclaycard 16K

MBNA - Link financial 18K

Santander 8800

Moorcroft (was natwest) 21K

1st credit (was blackhorse) 6700

Lex auto 3500

 

We are currently paying just over 400 per month but realise Beech will be taking a substantial cut of this.

 

Please let me know if you need any further information -

I look forward to your response and appreciate you taking the time to help

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oh good grief

please dump that DMP company now

you are being had blind

 

link - biggest fleecers out there - send them a CCA request

 

1st credit likewise and this being a car loan? I bet you returned the car too? - send them a CCA request

Moorcroft, who are their clients as they don't buy debt - what type of natwest account

likewise for santander

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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god what a mess they've got you in

 

you are paying these fleecres a fee to manage yours debt

and you don't even know who gets paid what

or thru whom...

 

please dump them

best idea might simply be to stop paying

then you'll get various letters

from who think you owe money too

then we'll deal with them then.

 

 

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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Hi, really appreciate your advice,

however because there is light at the end of the tunnel we really don't want to poke the hornets nest

and end up with DCA's knocking at the door.

 

I know this is a bit of a cop out and I am know your advice is solid,

I am just extremely wary about being dragged through CCJ/bankruptcy etc especially with a family to think about.

 

If you believe the CCA request is an option then we can request them, what if they have no record?

Are they legally obliged to scrub the debt or is it more about leverage when trying to settle a figure?

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No dca will come knocking at your door, they simply dont work like that they arent bailiffs.

In your CCA request, also enclose a short letter updating your current address and confirming that you no longer live at the old address, gives dates of moving aswell. Then keep these letters safe in case they try a back door ccj so you could prove they knew your current address.

 

Should any creditor/dca not have the correct paperwork then they would have difficulty proving any alleged debt and any claim could be defended easily if no credit agreement is supplied or remains outstanding from a previous request.

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I would SAR & CCA Barclaycard

 

 

def CCA Link. and sar MBNA if you like

 

 

Santander CCA request for [each] card + SAR

 

 

next = CCA request

 

 

1st Credit CCA request ...Blackhorse SAR

 

 

Moorcroft for NatWest = CCA Moorcroft SAR NatWest

 

 

Lex Autos we need more history

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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right well when you get any info back on any of them

go to the main forum tab top left

drill down till you finf the named bank forum

of the original creditor.

then start a new thread there

you need to create a thread..for EACH DEBT

then scan upload

te info you receive back from either the CCA and the SAR.

 

 

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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  • 2 months later...

Currently been in a DMP for 4 years with Beech finance. We are paying about 30% of our payment per month to them and would like to ultimately take control ourselves so more of the payment can go direct to paying debts off.

 

 

Don't know where to start with this so can someone please point us in the right direction. Is it an easy process? Like the fact that we don't get hassle from people we owe to but I am sure it will be worthwhile paying them the extra 30% direct.

 

Any help greatly appreciated

 

Thanks

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You tell them you want to stop the DMP and provide all info to you. I can guarantee they never checked the validity of the debts, and they only exist to take money from you.

 

Do you know what debts you have, and all details relating to them?

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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old and new threads from May merged..

 

all this has already been covered

if you go back and read from post 1 again.

 

so how did you get on with the CCA requests ??

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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As advised we CCA req'd the relevant companies & SAR'd the ones advised,

Santander came back with outstanding PPI

 

 

they all responded with CCA agreements, signed by ourselves,

a couple did take a while to respond but we had them all within a 3 week period.

 

 

We have just had the remainder of the SAR request returned,

which we will use as leverage when finally settling the debt.

 

The question really is do we approach the individual companies regarding a payment plan and is this a straightforward process?

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it is as you decide what you pay but...

 

who decided the CCA's were enforceable?

we've not seen them..

 

esp the link return..

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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We had a DMP with StepChange,

they were very helpful & free,

decided to self manage it ourselves,

 

 

all we did was informed SC that we would be doing it ourselves,

then we simply carried on paying the same payments to our creditors as we had been paying via SC.

 

No problems at all apart from a couple which had been passed to debt collectors,

they tried to get more from us without success,

we just took good advice for dx to set the payment we wanted to pay, not what they wanted.

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