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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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OFT carpet Spectrum & Money Tailor DMP Firms.


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The Office of Fair Trading: OFT accepts undertakings from debt management firms to improve practices

OFT accepts undertakings from debt management firms to improve practices

 

31/09 13 March 2009

The OFT has accepted written undertakings from three West Yorkshire-based debt management companies that they will provide higher standards of debt management services to vulnerable consumers.

The companies from which the OFT has accepted these undertakings are:

 

  • Buckley Stephens & Co Ltd, trading as Spectrum Financial Protection
  • Pendragon Financial Services Ltd, trading as Spectrum Financial Protection and Spectrum Financial Solutions, and
  • WKD UK Ltd, trading as Money Tailor.

Following complaints from consumers and consumer organisations the OFT considered that these companies were breaching key principles of the OFT's Debt Management Guidance, and issued notices to the companies that it was minded to revoke their credit licences. The complaints alleged that Buckley Stephens, Pendragon Financial Services and WKD had failed to provide debt management services with due care and skill, including not keeping clients informed of progress in negotiations with creditors, and failing to have adequate complaints procedures in place.

In response, all three companies and their controllers provided written undertakings that they would comply fully with the OFT's Debt Management Guidance including by:

 

  • informing consumers of a creditor's decision on whether or not to accept a payment proposal within five working days of being informed of the decision, and
  • dealing promptly with enquiries from creditors, as promised in customer literature provided to consumers.

All three companies have also undertaken to put in place effective and clear complaint handling procedures as required under the rules of the Financial Ombudsman Service.

Buckley Stephens and Pendragon Financial Services have committed not to take on any new debt management customers. WKD, trading as Money Tailor, will be offering debt management business to new customers and has undertaken to publish on its website a customer leaflet giving clear information about its debt management fees and services.

The companies will arrange for their compliance to be independently audited on an annual basis with the results submitted to West Yorkshire trading standards service for scrutiny. The companies, and their controllers, have undertaken to meet regularly with West Yorkshire trading standards to discuss any issues highlighted by the reports and any complaints received about their businesses.

Failure to adhere to these undertakings could lead the OFT to take action to revoke the companies' consumer credit licences.

Ray Watson, OFT Director of Consumer Credit, said:

'The matters covered by these undertakings are very serious and we will work closely with West Yorkshire trading standards to monitor their compliance. If we receive evidence of a possible breach of the undertakings, we will not hesitate to take further action.'

NOTES

1. The Consumer Credit Act 1974 (the Act) requires businesses that offer goods or services on credit and/or are involved in activities relating to credit or hire to be licensed by the OFT.

2. The OFT can refuse or revoke a licence if it decides that a trader is not fit to hold one.

3. The OFT issued guidance for providers of debt management services in 2001. The Debt Management Guidance sets out minimum standards of behaviour expected of licence holders who seek to re-schedule customers' repayment of debt and charge for doing so.

4. Written undertakings, provided by way of representations to an OFT adjudicator, are one of the enforcement tools available to the OFT. Non-compliance with undertakings may be taken into account by the OFT when considering fitness to hold a licence.

5. The fact that Buckley Stephens & Co Ltd, Pendragon Financial Services Ltd and WKD UK Ltd have given undertakings will appear on the consumer credit register.

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We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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