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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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CFO state on the phone that will lose me my job if i dont pay up


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I received a text message today from CFO,

which said they had contacted my employers regarding a debt with them.

 

I was furious and called them straight away,

what happened next beggers belief..

 

I spoke with an advisor and said I did not want any calls to my employer

and to contact me by mail only, he said

 

" we will continue to call your employer until you pay us what you owe us,

no matter how many requests you put in. I will call them ten times tomorrow "

and then hung up on me,

 

furious I called back, spoke to another advisor who said that I could contact OFT with a complaint

but that didn't alter the fact I was a thief as I had not paid all money back "

 

surely it cannot be legal to speak to people like that irrelevant if you have outstanding debts or not ???

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correct

 

hope you recorded the calls?

 

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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totally unlawful

 

go tell the OFT.

 

they have no legal powers anyhow

 

either ignore or act.

 

did they actually phone employers

 

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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Also cfo wont record any calls. Never have, never will.

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

:D

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  • 11 months later...

Hi,

 

 

not posted for awhile but have a new problem now.

 

 

I had a loan with CFO Lending,

 

 

I have asked for information,

all the usual paperwork,,

deed of assignments,

notice of default etc..

 

 

I have supplied account number and given address on the letters along with name and signed signature.

 

 

I have requested this in 4 letters,

along with copies of original complaint letters from last year, where their advisor called me a thief amongst other things !!

 

They just kep sending me a letter back saying they will not start investigations into the account until I supply them with and I quote ..

Full name

Address including post code

Date of Birth

Landline telephone number

Mobile telephone number

Employer details

Employer telephone number

Name of Bank

Bank account number

Bank sort number

 

 

Are they even legal requirements ??

 

 

And how do I move on with this,

 

 

I'm certainly not providing any employer/bank details.

 

 

So what next if they wont send me the information I need ??

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old and new threads merged

 

 

why are you still entertaining these muppets?

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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Deed of Assignment - You wont get that...

 

CCA Agreement, you should. DX is right but if you must, Send them a CCA request and SAR, then they cant deny it :)

 

Also drop this man an email;

 

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Hi,

 

 

not posted for awhile but have a new problem now.

 

 

I had a loan with CFO Lending,

 

 

I have asked for information,

all the usual paperwork,,

deed of assignments,

notice of default etc..

 

 

I have supplied account number and given address on the letters along with name and signed signature.

 

 

I have requested this in 4 letters,

along with copies of original complaint letters from last year, where their advisor called me a thief amongst other things !!

 

They just kep sending me a letter back saying they will not start investigations into the account until I supply them with and I quote ..

Full name

Address including post code

Date of Birth

Landline telephone number

Mobile telephone number

Employer details

Employer telephone number

Name of Bank

Bank account number

Bank sort number

 

 

Are they even legal requirements ??

 

 

And how do I move on with this,

 

 

I'm certainly not providing any employer/bank details.

 

 

So what next if they wont send me the information I need ??

 

Have you made your request under a Subject Access Request ? Included the statutory £10.00 fee ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

If so, and they have been in regular contact with you, then they only require your name, address , account number. Nothing else. You can make a complaint to the Information Commissioner if they demand anything else.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I thought that the FCA had told them to be a bit more thoughtful on these?

 

I think they did, but when did these companies ever listen to the regulators ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Does anyone know if CFO and Capital Resolve are the same people ??

 

 

Seems funny they have just popped up from no where

 

 

and I'm trying to get a complaint looked at by CFO.

 

 

Never heard of them myself ??

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been around for ages since 2011

 

 

normally buy up old PDL debts and fleece people blind.

 

 

simply read a few early threads fro this forum

 

 

you'll soon get the idea.

 

 

dx

 

 

 

 

ran the same tactics that MMF then started.

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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Not the first time this confusion has arisen. Capital Resolve are none other than 1st Credit in drag. And they should not be confused with Resolve Call who, in turn, are Scotcall in drag.

 

In fact the whole flaming species are a drag, but that's by the by.

 

steuts, I like dx am baffled that you would still, one year on, be playing ball with cfo.

 

You were advised last year to go to the then OFT. Did you not?

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