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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
      • 161 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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RBS/Triton/Green & Co.


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Hi. As the title suggests, I have a letter from triton regarding a combined debt

from an overdraft and a loan I had with RBS.

 

 

This is my largest debt which I obviously cannot pay.

 

 

I'm not sure what to do with this because a cca request doesn't seem appropriate.

 

 

Thanks for reading. Paul.

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Did you agree for and sign the new Agreement combining these debts? If not, then you can indeed still send a CCA request as this will cover the loan, however, if you want to you could also send the 'prove it' letter, because you do not recognise this 'new' account. It is their mistake and it is one of the opinions on here that means they have terminated both debts, leaving neither one legally enforceable as there is no Agreement.

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Thanks HS, I'm thinking about sending the 'prove it' letter and see how it goes. I think they will be able to prove it quite easily though. If/when they do prove it, is it still ok for me to request the cca?

edit-No I didn't sign anything for these two debts to be combined.

 

Hi. No cca arrived so I sent the dispute letter. Now moorcroft have sent me a letter. 'It is a legal requirement to send a notice of intended litigation before legal proceedings are issued. We believe that this letter fulfils this requirement even if it is not actually read by you'. :???: It then goes on to say what terrible things will happen if I don't pay up. I think maybe triton have passed this on asap before I put the account into dispute.

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Hi. No cca arrived so I sent the dispute letter. Now moorcroft have sent me a letter. 'It is a legal requirement to send a notice of intended litigation before legal proceedings are issued. W believe that this letter fulfils this requirement even if it is not actually read by you'. :???: It then goes on to say what terrible things will happen if I don't pay up. I think maybe triton have passed this on asap before I put the account into dispute.

 

Hi paul

Maybe the letters have crossed but that's not really your problem, throw the bemused letter at Moorcroft and let the stew

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

Good luck

R

[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

------------------------------------------------------------------------------------------

 

Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Hi. No cca arrived so I sent the dispute letter. Now moorcroft have sent me a letter. 'It is a legal requirement to send a notice of intended litigation before legal proceedings are issued. We believe that this letter fulfils this requirement even if it is not actually read by you'. :???: It then goes on to say what terrible things will happen if I don't pay up. I think maybe triton have passed this on asap before I put the account into dispute.

 

Well, that’s rubbish. It’s not a legal requirement to send an LBA – but you would not please a judge if you failed to do so.

 

Just proves that you are dealing with an alien life form. Or a village idiots’ convention.

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Thanks. The letter will be on it's way today. Does it matter if it's a legal requirement since they don't care if I have read it or not? 'We believe that this letter fulfils this requirement even if it is not actually read by you'. That is the most stupid thing I've read from a dca yet.

 

I don't think there is any point in sending the bemused letter now. I received my cca from rbs this morning and it is valid. Everything is correct and signed. :frown: Should I offer moorcroft a monthly payment? They already included their details with their letter so I can set up a standing order.

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Hi. Moorcroft must be certain of getting their money because they appear to have splashed out on some new stationary. I got a lovely letter from them today in a beautiful yellow envelope. They are using a new font too! Unfortunatly it's the same old threats. If I don't contact them by the 19th they will assume I am avoiding the debt and may recommend to RBS to start legal action. They have sent a valid cca so can anyone help me put a letter together to offer them £10 a month? I reckon 10 quid was about the amount that was coming off the credit card after the charges were applied. Thanks.

 

I forgot to add, Is it possible to claim back charges in a case like this. Many thanks. Paul

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  • 3 weeks later...
Well, that’s rubbish. It’s not a legal requirement to send an LBA – but you would not please a judge if you failed to do so.

 

Just proves that you are dealing with an alien life form. Or a village idiots’ convention.

 

Please do not impugn honest village idiots by likening them to Moorcrap. :madgrin:

Edited by ArtisanUK
preposition change
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I forgot to add, Is it possible to claim back charges in a case like this. Many thanks. Paul

 

yes + int at THEIR rate##

 

go get 'em

 

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, I've heard nothing for a few weeks until today. Wescot are now on the scene demanding the full amount. Should I send the 'prove it' letter to them?

 

I wrote to moorcr@p offering £10 per month. Todays post (drum roll) ... 'As we have not received any communication from you with regards to your account, we feel that you may not be in a position to meet our requests to clear the amount in full...) etc. They go on to say they are willing to accept £120 per month and they will save me the wrath of the gods, and rbs solicitors. The letter was sent in that lovely 'lemon' yellow envolope again. I'm just going to go ahead and set up the standing order for £10 and see what happens.

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  • 2 weeks later...

Yes and yes :) on the grounds I send everything recorded

DCA's - they have the same power as an infinite number of untrained chimps working on a script for Hamlet, but the chimps would probably at least get it right :D

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  • 3 weeks later...

Well, I went ahead and set up a standing order for just £5 per month and they wrote to me today saying that they are willing to accept £5 per month for the next 550 months. I'll be in a care home by then! Oh well, you cant put brains where there never was any! I'm considering this debt as dealt with so thank you to all who gave advice. :-)

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Thanks Elsa, I was thinking the same thing. This will be my first sar request so it will be interesting to say the least. I really wouldn't like to guess how much I'll be able to claim back. Is the interest I can claim just the amount that has built up on the charges or the total interest?

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Thank you. I don't think there will be a huge amount to claim back then. Also, there was no ppi on this account. But what little I can claim back would offset the balance, so it would also knock a considerable amount of time off the 550 months!

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