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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
      • 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 would value your help on this matter.

 

The Yorkshire Bank contacted ME to advise they thought I may have been misold PPI.

 

The forms arrived and I was unable to give them any information other than my name and addresses i had lived at.

 

I then received an offer less 20% tax,

I am non plussed as i have never heard of this before.

Will it be the only offer and should I accept?

Thanks

Sara

Saranev

 

Don't let them get away with it :mad2:

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Hi,

 

Did they give you a breakdown of how they calculated your offer.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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id be sending them an sar

get all the info they hold

then we can help

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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Yes and it does not make any sense to me

 

PPI premiums charges and associated interest £3,298.88

Plus simple interest £3,089.72

Minus 20% Income Tax £617.94

Total £5,770.66

 

Please note that 21 days simple interest is added to the redress from the date of the response letter.

 

Sara

ppi offer 15.03.2017.pdf

Saranev

 

Don't let them get away with it :mad2:

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  • 3 weeks later...

their letter is now in your post 4 here

 

 

cant ever prove they are right without all the statements

etc

 

you need to send them an sar.

attach a copy of that letter acceptance form [blank]

stating you are not in any position to accept the offer until you check they are correct

 

to me

there are lots of things they say they don't know

but somehow are making sweeping decisions upon

so that do know!!

 

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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Or leave it blank

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

  • 1 month later...

Hi All

So tomorrow is d-day and I have heard nothing at all from The Yorkshire Bank. I am assuming as its Sunday i won't either. Do I go to the next step?

What letter do I send them next?

Thanks

Saranev

 

Don't let them get away with it :mad2:

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if you mean for the sar return

i'd be waiting till the end of next week

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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no why?

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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In the original document they seem to be trying to bypass the process and say this is our final offer if you don't like it go to the ombudsman?

Saranev

 

Don't let them get away with it :mad2:

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yes but you'll still need the evidence if you need too.

 

 

so eitherway if they are right or wrong the statements are required.

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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Righteo....thanks. I have just driven from Gatwick Airport to the northwest and it's taken me 8 hours (roadworks and idiots)so please forgive my stupid questions

Saranev

 

Don't let them get away with it :mad2:

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no stupid at all.

its useful to you

and later readers.

 

 

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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no harm in ringing them and asking.

 

 

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 all

I rang YB today and after four different numbers eventually spoke to someone who said "we have not received your request"

 

I replied that someone had signed for it and I have the receipt.

Oh yes she said we sent a reply on 21st May

but if you haven't got it may we have another week and I'll send it again?

 

Here we go gang.

 

 

I told them they have until Monday and then I will take the next step regardless.

 

Sounds like they are trying to delay the inevitable doesn't it?

Saranev

 

Don't let them get away with it :mad2:

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Well the info landed on my doorstep today :-) (2 days after a phonecall)

Now where do i start? It seems to be all statements for my account and my credit card account. I can't see the wood for the trees at the moment.

Any help would be greatly appreciated.

Thanks

Saranev

 

Don't let them get away with it :mad2:

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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

They have sent 1 loan agreement and piles of statements. Its scary looking back in my financial past

I am beginning to think i have bitten off more than i can chew.

Saranev

 

Don't let them get away with it :mad2:

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do you know what you paid for ppi each month?

look on the statements?

is it listed every month

or just as a large sum going out on statement one?

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

we need to statements and agreements

not the cover sheet...

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

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