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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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Received a letter from Lombard that they are handing all my details over to Arrow Global on the 5th December 2011,

 

today i received a letter from Arrow Global saying that Westcot Credit Services will be collecting the debt on their behalf

and any dealing regarding this debt are to be addressed to Westcott.

 

The last correspondence i had with Royal Bank Of Scotland and their debt collection agency "Arden Debt Management"

was a letter sent recorded saying the account was in dispute.

 

Arden went quiet

 

However Lombard sent me statement on a regular basis and then they sent the letter stating that they had sold or transferred the debt to "Arrow Global"

 

Do i do anything at this stage or do i make the first move to Westcott stating that the debt of £1727.71 is in dispute with the Royal Bank of Scotland

and they have bought a duff debt.

 

Can they put a mark on my credit file if i don't play ball.

 

Can Westcott legally chase me for the money.

Edited by Chauffeurboy
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no they cant

 

does this debt show already>

 

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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phishing trip

 

ignore wetcloths

 

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 am concerned here Chafeuer boy states he was missold

the the loan ??? If he new at this point he was not able to

service the loan why did he accept it, imo '' only his only

intention to give the kids what they needed'' is not

a good or or even defencible reason for defaulting on

the debt.

Having now admitted he was living beyond his means.

How can one say the creditor is at fault here.

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The Last Payment was 24/2/2010 they have not badgered me since for any payments just sent me statements without additional interest i have contested the Loan however they have issued a original of the CCA but when challenged about it being missold they went quite.

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The original agreement will give them ''permission'' to share

data in the Ts &Cs which you signed .

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 months later...

Good Evening All...:-D

 

First of all let me give you the full run-down of my case and please do not judge me on this.

 

In December 1996 i took out a loan as a very desperate new father with a young family with Lombard Bank which was £6000

with 16.9APR which came to around £11000 with interest.

 

A year later my marriage broke down and what with paying my child matenance i barely had the funds to live on.

 

I turned to Gregory Pennington who sounded great that took all the hassle off your back and you paid them a £25 per month fee

until i found out that they did not have your best interests at heart so pulled out of the scheme in 2010.

 

The is debt is the last one i have to pay off and there is £1727.71 outstanding. Lombard passed the debt to there sister company RBS

who passed it to Arden Credit Management who passed it to Arrow Global or passed it to Westcott who are the latest persuers of this debt.

 

I have not paid a penny for approx 2 years. I asked RBS for them to to take the PPI off and they did immediately.

 

I offered £600 in full and final settlement to Arden which was refused.

 

Surely they would have had me through the courts by know????

 

Any clues how to handle Wescot Please......:!:

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Sorry Forgot to say, this loan was done entirely over the phone with Lombard and no checks were done with my employer, the cheque was delivered by Courier the next day.

Edited by Chauffeurboy
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  • 10 months later...

Hi All

 

Just need a bit of advice not too complicated,

 

I received a letter from Wescott saying that there client (Arrow Global) had instructed them to withdraw the account and would not pursue the debt

 

now I received a letter from Rockwell who are now pursuing the debt on behalf of Global

and this debt does not and has never appeared on my credit file which is squeaky clean !

 

any advice would be a great help.

 

thanks everyone!

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Ignore them.

Wait for something much more substantial to come via the post not some fairytale begging letter.

 

What is the debt, how much, how old?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, what is the debt?

How much?

Who is the original creditor?

 

It won't be on your credit file now as defaults only have a life span of six years regardless of the state of it, ie paid or not.

 

There won't be any chance of them adding this to it now.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi Bazooka Boo

 

 

Loan was from Lombard

No Credit Check Done all processed over the phone

Debt £7000

outstanding debt was £1700

RBS Then followed Lombard as I think they bought them the arrow global bought the debt.

They have been trying for 2 years now without anything more than threatening letters.

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OK, will ask to get you moved to the relevant forum by the site team to get more interest and advice in your post.

 

So, the original debt was a Loan for £1700 off Lombard? Taken out in 1997.......last payment 2010.

 

This payment was made via a fee charging DMP called Gregory Pennington, are their charges still £25??

You might like to read this link regarding GP and reclaiming their PPI....http://forums.moneysavingexpert.com/showthread.php?t=3810455

 

The debt is now £7K, RBS took over Lombard who have sold it? or given it? to Arrow Global to chase.

 

I do believe your being what is called, 'Cash cowed' here, basically, the murky world of debt collection has been fleecing money off you for years, and as such have marked your file as 'mug awaits fleecing' and are passing it around each other so they can all have their pound of flesh from you.

 

Have you corresponded at all with AG?

What does their latest missive say?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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now retitled into RBS forum

 

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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Evening All

 

Hope you all had a great weekend! I started a thread last week to enquire about the powers of Rockwell DCA. Well now they have started calling me although I am wise enough to blank there calls I wanted some knowledge or indeed a question answering by the wise people of consumer action group.

 

This debt was with Lombard in 1996 for £7000.00 I defaulted and put it in the hands of a debt management company for 8 years before wising up to there failure in getting me back onto the straight and narrow.

 

The Debt was then transferred to RBS who I think own Lombard. When I was trying to get matters sorted I contacted RBS about the PPI they didn't hesitate and reduced the outstanding debt to £1700 and have now passed it onto Arrow Global who had Wescott chase me for the debt and then out of the blue they sent me a letter stating that they were no longer dealing with the debt and would not pursue it so I guess Arrow have now given it to Rockwell who are now chasing the debt.

 

My question is why if they know were I live they have not taken me to court is the debt too old this is the question I need answering. I last paid a small instalment 3 years ago so am not statute barred.

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I have merged both your threads as they are on the same issue and moved you to the Debt Collection Industry forum where I think you will attract more interest :)

 

When you say the debt has been "passed on" - had you received a Notice of Assignment from Arrow Global ? They are debt purchasers and extremely litigatious.

 

I imagine they then used Wescott to pursue as collection agents only. What communication did you enter into with Wescott and was it them or AG who wrote saying it was being passed back and to whom?

 

Are Rockwell acting on behalf of RBS or Arrow Global do you know ?

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They wont take you to court as its unenforceable. As mentioned earlier, you are bing cashcowed. You seem more than willing to pay whatever they have asked, even when its been through different DCA's. It's not SB'd, but what you can do is stop payments and send them a CCA request. Due to the time elapsed since you took out the loan, it is very doubtful theyll ever get a copy of the original agreement and T&C's.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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