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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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hfc is it legal ??


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why are you offering to pay?

 

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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Because I don't see any possible way of winning this..

 

It's taken about 3 years for it to get this far

 

hfc are refusing to answer anymore complaints about ppi

 

as far as they are conserned I should of been aware of the ppi not being adjusted along with the loan so therefore its my own fault.

 

which in affect I surpose it is as I shouldn't of been naive that hfc where trying to help instead just getting me in more debt..

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let me review things over the next few days.

 

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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i refer you to post 215

 

you've already won

 

end of

 

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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their last letter says 'possible settlements' to save you money.

 

a discount

 

no-one ever goes near a court if they are offering a discounts.

 

taking aside anythig already mentioned.

 

that first agreement you posted is pants and never enforceable anyhow

 

time to forget everyone now.

 

dx

  • Confused 1

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 ignore all the letters now

 

you could start a very lengthy PPI reclaim as you undoubtedly got screwed

but if all you want is it over, and in my books i'd feel the same.

 

then just ignore everything

 

in the VERY remote case you get a claimform or whatever, just post it up.

 

as fordoorsteppers

 

PLEASE remember no DCA nor their 'fake/tame' solicitors have ANY legal powers

 

so you just tell them to go away

and call the police.

 

you will obv still get letters

 

probably offering a very large discount from crapest.

 

that will be another nail in the coffin. for them

 

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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Thank you dx for clearing that up for me thats a load of pressure off of my mind..:-D I hope pedross returns at some point so I can thank him for all his hard work and help over the years. Will keep you posted as to anymore letters I may receive.. Thx again dx

 

Regard

FL

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Sorry if this is in wrong bit, but HFC have sent us letter " without prejudice" asking for a list of all our creditors and provide confirmation of your income, we have to accounts with them,one for PC WORLD and one for Currys,have missed a couple of payments and wrote to HFC and told them why, they first sent us a payment book but for which company we do not know and now today we get this letter but for one of the items only.

Do I have to fill the form in?

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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Sorry if this is in wrong bit, but HFC have sent us letter " without prejudice" asking for a list of all our creditors and provide confirmation of your income, we have to accounts with them,one for PC WORLD and one for Currys,have missed a couple of payments and wrote to HFC and told them why, they first sent us a payment book but for which company we do not know and now today we get this letter but for one of the items only.

Do I have to fill the form in?

 

I've taken down the duplicate post you made in the "welcome to the site" forum. You only need to post your question once :-)

 

No you don't need to give them the information they are asking for

 

ims

 

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sorry ims,my mistake

R.I.P my beautiful grey ghost, gone but never forgotten, taken so suddenly, 04/07/2004 ~ ~ 02/03/2017

Gone but never forgotten,Little Miss Sunshine, Alisha Marie. 15/12/2005 ~ ~ 13/02/2006

Our  beloved Dalmatian Jazz,  gone to join Wal at Rainbow Bridge, hope you are now pain free .  20/9/2005 ~ ~ 24/3/2019

 

 

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i think you need to start a new thread bob.

.

tell us the story HFC are never customer friendly!!

 

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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thats a very naughty letter

you need to complain to the OFT/TS

 

they CANNOT use bailiffs on a civil debt covered by CCA..

 

its a threat-o-gram so ignore though.

 

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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Write one back stating...

 

Dear Sir / Madam.

 

I am in receipt of your recent letter dated xxxxxx

 

Your letter makes some very interesting presumptions to which I will add to;

 

That in the event that you do take this matter to court, then I will defend this case to the hilt, in the event of the judge finding in my favour, then I will claim mine and my solicitors costs, not only that but if required then my barrister will claim his/her costs also.

 

In the event that you do not pay the costs from your lost case then I will put a claim in to the court for non payment of thoese costs, this in all events may mean that if you do not pay those costs promptly, I will send bailiffslink3.gif to your premises to collect the outstanding monies owed. If you attempt to avoid paying The other option of course is to submit a winding up petition, which could affect employees of your company, its future ability to obtain credit and may also the future growth strategy plans quite drastically.

 

I would also like to point you to the well known court case Arkell vs Pressdram

 

I trust this makes my position completely clear.

Edited by 42man
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Hi FL

 

As you know I have been following your case but as I have been busy was relying on the email notifications I normally receive from CAG. For some reason they must have stopped and I did not realise that all this was going on.

 

I can see you have been getting some excellent advice from others and I am catching up with events and will post my own thoughts.

 

Just hold on a day or two.

 

Pedross

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Hi pedross

 

Glad to see you back.. Hope everything is well your end..I had the same problem with not receiving the emails myself a while back now never did find out why, everything seem to sort its self out in the end and I started receiving them again. Speak soon

 

Thank you

 

Regards

FL

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Hi FL

 

In view of the fact that the reply I suggest contains personal information I have emailed it to you. It includes the points made by others including DX and 42 man, which are obviously relevant, but goes into a little more detail to establish the actual position.

 

Hopefully, they will see the light.

 

Pedross

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Hi pedross

 

Yes I received it today thank you very much, I will get it in the post first class recorded.. Will post up their reply as soon as I received word back from them..Fingers crossed

 

Thanks again pedross

 

Best Regards

FL

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Hi pedross

 

This is the response I got from capquest this morning, guess they are running back to HFC for a response now.

 

 

 

http://i401.photobucket.com/albums/pp94/badger1964_2008/img018.jpg

 

Their compliants process..

 

http://i401.photobucket.com/albums/pp94/badger1964_2008/img019.jpg

 

Will let you know when I get the next letter or threat from them.

 

Thx pedross.

 

 

 

 

Regards

FL

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