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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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Eurodebt DMP for 12 Years - now dumped!


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Hi I am new to the forum but have been looking at similar posts etc to try and get my head around my situation etc.

This site is incredible and has given me the confidence to fight my alleged debts.

 

I entered a DMP in 2004 as got into financial difficulty due to numerous factors.

all the debts were obviously taken out prior to this probably late 1990s or early 2000s at the latest.

 

 

I have dumped the DMP as 12 years on nothing seems to have changed.

Was originally told that I would be debt free in 6 years but that's another story.

I have SAR'd the DMP company.

 

I am sending CCA requests for any credit card/loan debt.

Also have a overdraft debt with Lloyds - sending then a SAR.

 

 

List of debts below any advice greatly accepted.

All below defaulted 2004

M and S Loan now Robway £8k

Halifax CC now Cabot £4.5k

Lloyds CC now PRA Group £4k

MBNA CC now Link £4k

Barclay Card (EGG) CC now Cabot £3k

Barclay Card (Morgan Stanley) now Link £2

Capital One CC now Lowell £2k

Lloyds Loan now Cabot £580

Lloyds Loan now Apex £400.

 

Also my DMP provider put my Lloyd's current account/overdraft on the DMP without informing first saying because I had debts with Lloyds on the DMP then I couldnt bank with them - that was in 2007.

 

I am more than capable of handling the CCA requests etc

but will probably need some help with checking the agreements when they come back.

 

 

Also seems like the DCA's are escalating a lot to court these days.

Again I will have no issue defending any claim that can be defended with some assistance if possible.

 

Thanks in advance.

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name names please

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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good glad you've dumped them

they are one of the worst.

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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Have you checked your credit files to see if any of these are still being reported?

 

http://Www.clearscore.com

http://Www.noddle.co.uk

 

Both free to subscribe to, go check please

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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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All clear most dropped off in 2010 the overdraft dropped off in 2012 i think. Incidentally whats the best course to take with the overdraft (Lloyds now Apex) I know you cant send a CCA but is there anything I can send Apex - I have sent a SAR to Lloyds.

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yep. CCA to apex

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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I bet pretty much all of them are unenforceable. Get a CCA going to each of 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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You cant cca for an overdraft as there is no credit agreement as such.

 

However, in your previous post, you have referred to the apex(lloyds) as a loan?

 

Could you clarify please?

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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Apex don't buy debts

Ignore them

Who are their client on their letters?

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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you IGNORE APEX

they are a DCA that does not buy debts

but merely chases for their clients

who in this case are the original creditors LLoyds.

 

 

only the OWNER of a debt can do court.

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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if you are not already aware

just remember

a DCA is NOT A BAILIFF

and they have

NO SUCH LEGAL POWERS

 

 

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 had a letter off PRA saying account is being managed by Investigations and Litigation Department to look at outstanding debt for possible Litigation recovery. Letter dated 18th Nov so they havent had my CCA request yet. Do I need to send any thing else to them or wait for reply to CCA. Thanks.

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they can willy wave all they like

no paperwork, not a chance in hell of enforcing anything

even if anything IS owed.

 

 

no you don't follow up failed CCA requests

12+2working days that's it

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...

Quick update in case anyone in same situation as me.

 

Was actually in the DMP for 14 years after checking:sad: meaning default dates were late 2002 early 2003 for most. I have CCA'd all DCA in November and SAR'd all OC in December

 

Lloyd's CC now PRA Group £4k - PRA returned my CCA from 1999 - illegible and they themselves have deemed it UE until they receive other documents. Also saw from my SAR that they requested the DN but were informed by the OC they did not have a copybiggrin.gif

 

MBNAlink3.gif CC now Link £4k - Reply off link regarding CCA from 2001 - no CCA so also UE :-D - already knew this from the SAR. They also reimbursed my £1 fee.

 

Halifax and Barclaycard have not replied to my SAR request within 40 days - is there a letter template I can send them?

 

Just waiting for other CCA's to come back to see what action to take on other accounts.

 

Thanks to all for the advice given so far.

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If they have not replied to your CCA request then I would ignore and wait UNLESS they send anything like a letter before action which is when you write back saying

 

On xxxxxx I sent a lawful CCA request, to date you have not replied.

 

 

 

You can if you wish add the bit

 

As I am assure you are aware according to S77(4) or S78(6) while a S77/78 request is outstanding the account becomes unenforceable.

Any opinion I give is from personal experience .

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I am not so hot on how to deal with overdrafts. I am just keeping my head down on both of mine, they will be statute barred before I start earning again, middle of next year.

 

Interestingly though , one of them issued me a S87 Default Notice and not a termination notice, it is littered with bank charges as well which, with interest would just about wipe it out.

 

I think I am fortunate in some ways in that I have had no income other than benefits or student loans now for nearly 7 years and stopped paying everything in January 2012.

Any opinion I give is from personal experience .

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looks like you removed yourself from the milking parlour mind

 

 

so how much debt is not 'written off'

as compared with what you can here with...........

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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