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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
      • 161 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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MMF & Swift Sterling / MrLender


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Hi,

 

I've been looking over the forum and though it may be worth asking some advice here.

 

I'm currently trying to resolve my debts and clear my credit file, I know i have outstanding PDL's with a couple of companies from back in 2013 when i was in a particularly bad place. A couple of the companies have since written the debt off, but a few still remain with the likes of MMF.

 

Upon reviewing my file today i found a default for the tidy sum of £22 with MMF, I (stupidly) contacted them about resolving this debt. They then proceeded to list off 6 accounts totalling cira £1500 in monies owed 5 to swift sterling and 1 to Mr Lender. None of which were for the £22 listed on my credit file and i need to contact their Credit File Queries team.

 

I would be willing to settle these if they were remotely close to the original agreement or the value of the offer i made that SS rejected, but there is about £800/900 of interest/charges here. I'm quite concerned now that they are going to add an additional 6 defaults to my file, destroying everything i have done for the past 3 years to build it back up.

 

I have seen from past posts that people have written directly to Swift Sterling to resolve / bring back dept from MMF. is this an option?

 

Any advice would be greatly appreciated.

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Hello, welcome to CAG.

 

Paying these 'debts' off will NOT improve your credit file, regardless of what MMF might have told you!

 

Do nothing other than wait for MMF to send you their begging letters, and try and get as much information together as you're able, regarding who the original creditor was, if needs be you could send them a SAR to get all of the information regarding the accounts.

 

Then go about reclaiming any penalty fees and charges that have been added.

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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