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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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Rbs-nautilus C/card


icepop55
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Hi to all on this SITE?

 

Can someone on this this site HELP.

 

RBS Nautilus(ShellVisaCard) has assigned the outstanding balance to a DCA named 'Arrow Globel Ltd' who has past it on to a appoined DCA calling themself 'Transcom UK' trading as;

 

Credit&Business Services Ltd-St Albans.

 

I am wanting to find out who there are and if anybody has had dealings with any of the above companies

 

Please response to any of my requests.

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Hi, icepop55.

 

In the last few months, i've been getting phone calls and letters from

Transcom UK. They always leave messages on my answering machine. I'm still not sure what they are phoning about. I know it must be an old debt,but can't remember what or from who. I'll have to give them a call. I'll get back to you if I find out any more.

 

Regards.

 

Scott.

 

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

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I'll have to give them a call.

Phoning DCA's is usually a complete waste of time. The only thing they are interested in is payment.

 

I have had quite a few dealings with Arrow. They're not the worst DCA but they're not the best either.

 

Icepop can you give some more details regarding the account? When was it taken out? Have you been making reduced payments? Are you still making payments? Have you asked for a statement of account? Have you asked for a copy of the credit agreement? Are there are a lot of charges on the account? If so roughly how much do you think they will come too?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi rory

 

Glad for you to intervene on this account. My appreciation.

I'll address your questions as asked.

 

Account open approx Feb/Mar 2000.

 

Making reduced payments since Sept 2006 through DMP by CCCA.

 

Yes. I've only now been contacted by 'Arrow'.

 

No! I last recieved a statement from RBS 'Nautilus' Nov 2006 £6738.28

Last statement payment on DMP with 'CCCA' Started at £6334.06 now £6280.60

Arrow statement now August 2007 £6696.70

 

I am waiting to CCA both RBS & Arrow unless I hear to the contrary.

 

The charges are £96.00 and will in time be asking for them to be repayed.

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Okay there is no point in reclaiming any of the charges until you know whether they have a copy of the credit agreement or not. Send off the CCA request by recorded delivery, enclose a £1 crossed postal order and do not sign the letter. You only need to send the CCA request to Arrow, they have a legal obligation to pass your request onto RBS. By sending it to Arrow you also keep them in the loop and they should (but might not) leave you alone until a copy of the agreement is produced.

 

In case you don't know the CCA template letter is here http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html template N.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 months later...
  • 4 weeks later...

Hi all

Long time no hear.

I do need somebodies input on this PLEASE>>>>

Just received a letter from RBS informing me that my account is no longer with them as it has been sold to ARROW. I know that?

I contacted RBS because I wanted them to refund back charges. In effect their say it has nothing to do with now and therefore contact ARROW so there.According to RBS there have no legal right to respond to the issues I have raised?

I have CCA them a long time back and still not had a answer.

Where do I stand ???? and what do I do next.

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You don't need to do anything. The account can not be enforced unless they come up with a copy of the credit agreement which would now seem unlikely.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I would suspend the payments. Please be aware though that CCCS will not like you withholding payments to Arrow. The charges I would not be overly bothered about at the moment as they are only a small amount and the account can't be enforced anyway. Was it a SAR the you sent RBS?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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  • 2 months later...

Hi to all,

 

It seems ages since anything has happen but,I did receives a letter from COPE'S SOLICITORS on the 20/02/08 informing their intent of court proceedings? on behalf of 'ArrowGlobal'.

 

Do tell them to ............ because they still not complied to the 22/08/2007 letter requesting credit agreement.

 

Please advise????

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I'd suggest writing to DCA saying that you've paid your £1 requesting the CCA and they have neglected to send you a copy of an original signed credit agreement. If they peruse this in the courts you will defend this, and as the timeframe for them sending the CCA is passed you regard this debt as non-existent, and you expect the courts to agree. See if that rattles their cage a bit. As far as you reclaiming charges, proceed business as usual :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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