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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
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    • 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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Cabot chasing old Egg card 'debt'


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Mortgage forum

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...

Happy New Year!

Unfortunately same old stress!

 

Having sent a cca to Cabot (re egg) in October

ive received nothing back,

 

how long do I wait before I send another

they obviously didn't receive it,

or have I done something wrong with the letter (see below)

 

TODAY I received a letter from fielite! chasing the same debt

but saying I have 7 days to respond before they Will make a personal visit!

 

please can somebody help.

letter was sent 1st Class so I have no real proof this went!

many thanks

 

Template removed read our rules please or the 1st line of the template you used - DX

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Read the letter properly

It does say will anywhere

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

it states

"Failure to contact fidelite credit management within 7 days will lead to a personal visit being made by one of our representatives to your home"

 

however I understand this isn't always going to happen?

 

do I send them a cca?

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Safe to ignore

 

They are not bailiffs

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

no they know its a lemon

hence they've used scotcall [snotscrawl] now fidelite

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... 

Link to post
Share on other sites

I wouldn't give any opportunity for pointless letter tennis

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

Well true to their word fidelite have just called at my door,

I wasn't in I'm at work but my mother in law was in looking after my daughter!

 

She asked for my contact details which she didn't give them,

she hasn't opened the letter

 

I've no idea what it says until I get home!

 

Will let you know!

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rubbish whatever it is

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

Well true to their word fidelite have just called at my door, I wasn't in I'm at work but my mother in law was in looking after my daughter!

She asked for my contact details which she didn't give them, she hasn't opened the letter so I've no idea what it says until I get home! Will let you know!

 

Hope shes not on commission in this weather..not fit for dogs:madgrin:

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Hope shes not on commission in this weather..not fit for dogs:madgrin:

😆 Bless her, my dog jumped on her and covered her in mud too 🙈

Just arrived home and as Dx100uk suggested Just more rubbish!

"Urgent for the attention of .........

I called today 17/01/2017 for the 1st time regarding your account

Please contact our Head Office on 0141 212 8450

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  • 2 weeks later...

Hi,

 

Today received a letter from Fedilite who will have cancelled any further action and reported back to Cabot!

 

Cabot have also acknowledged my CCA request but anticipate it will take 40 days to get back to me which also includes advice that the DOA is none of my business and only the court can request?

 

Appears to be the standard letter many other members have received.

 

So my question is am I to sit and wait for the response?

 

Many thanks

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You did not ask for the Deed of Assignment did you ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Oops please tell me I haven't made a big mistake????

 

Probably not...you requested a CCA section 78 with £1 payment...hopefully using our template.

 

Cabot tend to get confused easily ...was their response in red crayon ?:-D

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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Originally yes!!!

 

Think I've made a mistake, found this site too late!!!!

 

Well I know now!

Won't be making the same mistake again!

 

The notice of assignment Cabot confimed was apparently sent to my address in July 2010 they have confirmed this in their latest letter!!

 

This doesn't make sense as I was in an Iva then started 29 Jan 2007 and failed 29 Jan 2015?

Egg were a debtor?

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Ignore...wait for them to respond to your CCA request...they have 12+ 2 days to comply.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • 1 year later...

Over 1 year has passed no response to CCA request sent January 2017 to Fedilite

 

This received standard letter from Cabot Saying I still owe the money, so what now?

Ignore?

 

Can I just not a small Full and Final settlement offer or will that be admitting to the debt?

 

They are never going away!

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ignore them

as post 47

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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