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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.

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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.

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      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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HFO CAPITAL/services/turnbull CCJ


melmumof3
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Thanks BA. I have something of great interest that I have just PM'd you. They won't like it. Not one little bit.

 

All I can say in these cases if the hearing is unfair and the points have been ignored then appeal. I think some judges (not all but some) just want a quick in and out of their court room and so dispense cases without examining the evidence and taking the trouble to appraise themselves of the CCA and all its workings. It's easy to get downhearted but if you appeal they will start getting a rap over their own knuckles higher up the legal chain. Keep up the pressure the pendulum will swing back towards the consumer.

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  • 2 years later...

Hi all

 

havent been on here for a while. Been in same home nearly 18 yrs, small 2 bed with 3 kids. we have done our best dividing a room but smallest is 5 ft x 8 ft which for a 14 yr old is ridiculous. Outgrown well and truly :(.

im with the one account, ive just rang them to see if we could maybe look to moving property. im not looking at borrowing any more, we looking at moving to a cheaper area but does boast a bigger property for the money. currently weve a mortgage of 79k, and the house is valued at 130-135k atm. so all good i guess. one account will not entertain me was his words as ive a CCJ on the property, acquired about 3-4 yrs ago from HFO services :/.... so now im wondering what my next thing is to do, do i go see a financial advisor (my friend told me not to bother as cant trust them) and im thinking if we dont increase the mortgage we will be paying far more elsewhere for same amount, so if we want to move we either pay more because of debt probs or sell and rent and pay even more :(

Ive a ccj but ive a few credit card bills which are on token payments, the ccj debt of about 4k is the only attachment to our house

 

What a mess

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A CCJ on the property? I'm sure he meant on you. CCJ's are attached to people. CO's are attached to properties.

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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  • 2 years later...

Hi all

Been a very long time since I posted anything ... Sorry

I had a CCJ placed against my home a good few yrs ago.

 

 

I originally won my case but then they appealed and won a CCJ order.

 

Some yrs ago, Turnbull Rutherford contacted me asking if i could satisfy the CCJ and they would reduce the figure.

 

 

I didn't believe them and have paid no money whatsoever.

 

 

The CCJ is £4500 and TR said interest is added at 8% per annum I believe ( again I don't think interest can be added??)

 

So I'm asking if I was to sell my property this automatically gets paid to TR doesn't it or whoever HFO services/ capital whoever they are now

( I also remember they may have lost their licence)

 

Before I put house on market I wonder if it's possible to contact them and offer a payment to satisfy??

 

Can anyone guide me what I should do???

 

 

It's been on property about 5 yrs approx I think ( gosh time flies!)

 

Thanks in advance

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If there’s no CO, you can sell without interference.

 

HFO Services has sold its portfolio to Link. I’m surprised you haven’t heard from them!

 

Hiya DB hope you're well

 

Not heard anything at all for many years.

 

I think it was A CCJ I've not paid any money at all towards the debt since they won appeal. How would I find out if it's a CO??

I've done a credit file search a few yrs back and I'm sure it said I have a CCJ to HFO

 

So if I decide to sell they wouldn't get the balance from my equity in home??

I would be satisfying the debt but renegotiate the settlement

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All good, thanks, Mel.

 

You can check if there’s a CO or a restriction for about £3 by downloading your deeds from the Land Registry web site.

 

If nobody is asking about the debt, and there’s no CO, I would sit tight. They’ll struggle to enforce if they leave it for longer than six years since judgment.

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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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