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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
        • Like

Marstons & Wonga


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I just received a letter from Marstons saying I owe £1373 from a payday loan. They have said if they dont receive a reply within 5 days they will send an enforcement officer around to assess goods in case they get a court order.

 

Correct me if i am wrong, but surerly if it goes to court, I will get notification of this from the court so i can put in arrangement with the court as a CCJ?

 

Has anybody else had this?

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2nd thread today on this

sounds like marstons are doing dca work as well!

but you are correct in what you say, they must get a ccj first!

 

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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the other side - I recieved the same letter today (see other thread). Not only have I not received any earlier mail from them (they state on my letter that I have failed to respond to a hand delivered notice) but they amount they are demanding is so far from the original loan that it is laughable. I also need to know what letter to send etc as I really don't want to correspond by phone

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I'dbe inclined to post a link to your thread in the bailiffs forum

 

something smells here & i think i know what, but need it confirmed

 

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 have sent them an email rather than call them, perhaps you wish to use the same email.

 

 

For attention of Stephanie Morris

 

I received a letter today informing me of an amount outstanding of £1323.96. Please could you inform me how this amount is made up as I have never borrowed anything close to this amount. It also stated that I had received a hand written notice, which I did not. I am presuming this was a loan with Wonga which was in the region of £350.00 which I am happy to pay back.

 

I will make £50 monthly from 10/12/09 by debit card until it is cleared. Should I be able to make anymore then I will do so to get rid of the debt. I presume the number on the letter can take payments, if not, the online facility on your website.

 

In regards to an enforcement officer attending the premises, this is entirely unneccessary as this matter has not been to court so therefore you have no legal reason to attend, particularly now you have my payment proposal in writing. Should anybody come to my address, there will not be any response and the police will be informed due to harrassment & your mis-leading letter.

 

They probably wont reply, but I have done my part!

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What do you think they are up to??

 

they are up to extortion and fraud.

misrepresenting their bailiff powers which is why i want the bailiff crew to look at it.

 

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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Ok.

 

Called Wonga, they didnt want to know and said Marstons need to be called instead.

Called Marstons to see if email had been received, they said No and asked what it was about, i said there was an arrangement to pay of £50 a month from december. The woman on the phone then asked how it was to be paid and then said that was fine!

 

I'm still going to look into and see what is happening in regards to the court.

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just sent this email -

 

For the attention of Stephanie Morris

 

regarding the above account. I have recieved your letter dated 20th November. I request that the court case number is forwarded asap as you state that an Enforcement officer will be attending looking to recover the debt and establish my assets and as far as I am aware this requires a court authorisation.

 

I also request full details as to how the amount being requested has been calculated. I wait your reply

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I got the same letter many months ago and put in a complaint to FOS

 

http://www.consumeractiongroup.co.uk/forum/payday-loans/185004-la2006-wonga.html#post2031328

 

It might be worth sending a formal complaint to WONGA by recorded delivery asking for a breakdown statement of account, disputing the debt and if their in breach any OFT Debt collection guidelines make a complaint about that.

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