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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 
      • 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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Crapest chasing old RBS royalies AC mostly charges - help


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so i sent a "prove it" letter to cap quest recovery and have received a letter back from them that simply says - thank you for your correspondence we can confirm thats this account is in regards to .......... that was opened in........ surely simply writing that is not proving i owe this debt and isnt giving me evidence that i owe this debt? not sure where to go from here?

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depends on the type of debt

 

check your cra file too.

 

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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dx, its an old royalties account think it was originally slightly into over draft and now it has just got mounted up bank charges etc, due to having an other debt which is now sorted i was advised about 4-5 years ago to just walk away and ignore the account and open up an account with a different bank. whats cra file?

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crapest will go nowhere near a court with a debt that is made or contains od charges or any bank charges

 

ignore them

 

cra file.see below

 

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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dx, i tried to ignore them and 3 weeks ago they sent debt collectors to my parents address which is the address they have on file (i dont live their anymore but they dont know this) which is why i sent a prove it letter and my post is the reply i got from them so not sure what to do now.

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doorsteppers have no legal powers end of

they ARE NOT AND will NEVER BE - BAILFFS

 

cra file

 

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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dx, i tried to ignore them and 3 weeks ago they sent debt collectors to my parents address which is the address they have on file (i dont live their anymore but they dont know this) which is why i sent a prove it letter and my post is the reply i got from them so not sure what to do now.

 

Did they first arrange an appointment for this visit?

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bang, no they didnt they just appeared and asked to speak to me my mum said i didnt live their anymore, do you think i should send another letter to say this isnt sufficent as evidence and they need to provide me the actual proof that i owe this money?

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If they have the wrong address for you then writing to them will let them know your new address. But was it the address you gave on the "prove it" letter?

 

You can get your mum to complain to trading standards over their appearing without an appointment - and you can also get your mum to write to the debt collector to prevent them from appearing at her house again.

 

If you can answer the following questions, then it makes replying to you simpler.

 

Did you get a reply from a Credit Reference Agency (CRA)?

 

Are you still in Scotland (or where)?

 

How long is it since you last made a payment to the account they are chasing - or when did you last admit in writing that you agreed you owed the money?

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