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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
      • 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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C.A.R.S./Monument


jaydeebee
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Hi there

I'll try to be brief.

 

Many years ago (15 if not more) I had a Monument credit card.

 

When things became difficult a couple of payments were missed

the debt was passed to C.A.R.S. to recover.

 

About 12 months ago I entered into a DMP with Payplan and C.A.R.S. were added to the list of creditors.

 

Payplan notified me that they were returning the payments so I called C.A.R.S. and

they said that they no longer held the account and it was with Jepherson Capital.

 

I phoned them and they too know nothing about it.

 

I subsequently removed C.A.R.S. from the plan as they were just returning my payments.

 

I have no had a letter from C.A.R.S. asking for the balance which is £1556.

 

Naturally I'm not going to pay it but I would like some advice as to what to do now.

 

This debt has been passed from pillar to post.

 

Should I send a CCA letter (I think that's what it is) and if I do what am I looking for.

 

I am hoping there will be discrepancies as the original debt is so old

but I'm not sure how to go about getting something sorting.

 

Many thanks

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Hi, yes I have been paying them.

 

Sorry, I don't think I was clear.

 

I had the credit card for 15 years not the debt.

 

Everything ticked along nicely until the last 2-3years.

 

So it is only since the DMP 12 months ago that I haven't made any payments

 

but that was only because they returned them.

 

Many thanks

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Hi,

 

If payment as you said has not been missed until aaprox. 12 months ago then the debt is not statute barred.

 

Send whoever is chasing (C.A.R.S.) the CCA request, template is here...http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

Send with a £1 postal order and via recorded delivery, print off a copy of the online Royal Mail's Track & Trace so you have a nice paperwork trail.

 

When you get a reply back, please remove all personal identification including barcodes, scan into your computer and attach for further advice.

 

Please do not ring C.A.R.S. and if they ring you, refuse to go through the security questions, do not get involved in a slanging match as to why, just say "in writing only" and hang up.

 

You may also want to get a copy of your credit file so you know what is being reported to the credit reference agencies and by whom.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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sar to monument

 

CCA request to CARS.

 

smell of cash cowing here.

 

cars are very very lowlife bottom feeders

 

is this on your credit file... ibet not!

 

NEVER EVER phone a DCA

 

they are NOT BAILIFFS

and have NO SUCK LEGAL BAILIFF POWERS

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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