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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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      • 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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Safeloans repayment


iandowie
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Evening all, I have another debt with safeloans, where it has come to the point I should probably pay them. I received this email today. Scare tactics or not ? They say I can pay back at discount rate 590 and it is all cleared? The original debt was 400 ish? So Im not overly arsed about the 590 to pay them back. I am planning on electronic transfer online from my bank, Is this safe ? Will they wipe the debt completely ? :?::???:

 

 

Despite sending you a Default Notice and OFT fact sheet, we still have not received your payment on the outstanding balance which is outlined above. A Default will be issued on your account within the next 30 days and once issued will show on your credit file for a whole 6 years whether satisfied or not. This may seriously affect your ability to obtain credit.

 

If you do not pay this debt we may also consider using litigation, If we obtain a CCJ against you and you fail to satisfy the CCJ judgement debt we may then seek to obtain further enforcement action against you by attachment of earnings order, we wish to advise you that if we obtain the attachment of earnings order this process will involve your employer providing the court with a certificate of your earnings and if a full attachment of earnings is granted the court will order your employer to make deductions from your salary. Additional fixed court fees will be added to the (CCJ) judgment debt.

 

We are posting you the Pre-Action Protocal "The Notice of Intention" which will clearly shows you the amount needed to settle your account. If we proceed with litigation statutory courts costs will be added. We have always tried to negotiate payment of this debt with you and even at this late stage we would still prefer to settle this amicably, therefore we are prepared to offer you 3 reasonable repayment options to settle this debt in full and final settlement of account.

 

Our 3 Proposal offers for settlement.

 

1. A substantial 15% discount off the balance owing, your new discounted balance is £589.05, to take up this offer the account must be repaid in one payment and by the 22/10/2012. This action will settle your account and stop any intended proceedings.

 

2. A 10% discount off the balance owing, your new discounted balance is £623.70, to take up this offer the account must be repaid in two monthly payments and the first months payment must be received by the 22/10/2012. This action will settle your account and stop any intended proceedings. We would prefer the payment to be made by valid Debit Card and we will then set up a payment plan on our system for automated future payments on the day they are due. You can of course make a bank deposit transfer or you can also post a cheque or postal order to our office address at the bottom of this email.

 

3. No discount off the balance owing, this payment arrangement is set over three months. The first payment must be made on / before 22/10/2012. This action will settle your account and stop any intended proceedings and will require three equal payments in the sum of £231.00. If the balance owing cannot be equally divided the 3rd and final payment may slightly vary. This action will settle your account and stop any intended proceedings. We would prefer the payment to be made by valid Debit Card and we will then set up a payment plan on our system for automated future payments on the date they are due. You can of course make a bank deposit transfer or you can also post a cheque or postal order to our office address at the bottom of this email.

 

Please note you must contact us no later than 22/10/2012 with your proposal

 

We are posting you a schedule of payments sheet. To confirm which payment schedule you have chosen please contact our office Monday to Friday between 9:00am - 5:15pm on: 020 86800990, please press option 2 and you will transferred to a specialist collection team member who will be able to assist you in all repayment matters including if you are experiencing financial difficulty. We would prefer repayment by debit card as payments collected are updated on to your account instantly, of course you can make bank deposit payments direct to our account or you can also post a cheque or postal order to our office address at the bottom of this email. Please note these payments will be entered manually and may not show on your account for a day or two, please contact the office for our bank details. You can also post a cheque or postal order to our office address at the bottom of this email. You may also send a letter or email your intention to: [email protected] If your first re-payment date is more than 7 days away you will need to make a “Token” (Goodwill Payment). Because of the seriousness of the account status a minimum token payment £20.00 is required to set up the payment plan.

 

If you do not repay this debt we will still continue with our intended proceedings in trying to seek to obtain a (CCJ) judgment against you for the debt outstanding, If we obtain judgment and you still do not repay your debt we may then seek to obtain further enforcement action which may include attachment of earnings order, and if a homeowner a charging order, we must warn you a County Court Judgment will show on your credit file for 6 whole years from when registered whether satisfied or not. Please note all fixed court costs and fees will be added to your account. For advice about County Court Judgments please visit the Directgov website www.direct.gov.uk and enter Count Court in the "search this site" bar, for debt advice contact citizens advice bureau www.citizensadvice.org.uk

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