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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 
      • 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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Mint (RBS)


CathW
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My husband has a account with Mint and has been paying £2- per month by cheque to Mint which they have accepted.

 

Wescot have now taken over the administration of the account

(my husband had a letter from Mint saying that they have partnered with Wescot who will now manage the account and please continue to maintain your existing payment to us).

 

He has received a letter from Wescot saying that he should now be paying them directly.

 

Does he continue to pay Mint directly.

 

Thank you

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why are you paying? Is this an enforceable debt?

When did your husband take the mint card out?

Is there any ppi to reclaim?

There will also be numerous default fees to reclaim too.

 

Some more info on the debt please

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Ignore wetcloths

They don't buy debts

And anyway

A DCA is NOT a bailiff

And has

No such legal powers

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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H martin2006 and dx100uk

I meant to say that my husband had a Mint credit card before 2007 and was paying them what they were asking for to March 2011 (this being the last time that he had charges for).

 

 

Then he wrote to Mint saying that he was in financial difficulities and could only afford to pay £1-50 per month (now £2-) to which Mint agreed

 

So am I right in believing that he should still pay Mint and ignore the DCA's

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You can reclaim any of those fixed fee charges like overlimit charge, failed dd charge, late payment charge which in many cases will wioe out what your husband owes and probably give you a few quid to boot.

 

Then theres ppi, did he have any?

 

Do you have all the statements?

 

You start with sending a SAR to mint, fee is £10 but will get you all the info, statements etc you need to start a reclaim.

Also as its a pre April 2007 card i would send a CCA request for a cooy of the agreement. They must have the original and if not, or if its faulty, they cannot enforce it.

 

Alternatively, he can carry on blindly paying mint forever.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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you totally ignore the DCA wetcloths too

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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