Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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
        • Like

Capital Finance One


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2704 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i have had a couple of old PDL's and these have just resurfaced texts/emails.

 

History is..

 

Last payment 20th December 2012.

 

17/12/12 - i asked about rolling over (ignored and went into default)

24/1/13 - called and emailed and asked to come to a repayment plan

25/1/13 - email received offering me 'resolve' with more money - never took but emailed and asked to come to arrangement - but again ignored.

28/1/13 - another 'resolve' email and i replied asking not to do this but come to arrangements - ignored again.

 

all quiet..

 

11/7/13 - offered resolve again. I emailed asking why no one would come to arrangement and i was keep being offered resolve.

 

15/7/13 - received a response saying they could come to a payment plan - i emailed and asked for details on how much i owed etc and what resolve was - this was ignored.

 

24/2/14 - received another email offering 'resolve' but no answers to my questions.

 

15/3/14 - received yet another 'resolve' offer and click 'here' email

 

19/3/14 - i emailed back and said they were out of order pursing the debt whilst not giving me any information etc and i would report them if i didn't receive the information back.

 

11th may 2016 - received a email saying 'redress' and i now owe them less money due to a review on my account..

 

August 2016 -

 

Email received saying they are going to default me if i don't pay the sum due in 14 days (now had the default email).

 

Texts also started and calls...

 

I don't want a fresh default (3 year and 9 months after last payment) - and they had total ignored my previous requests and tried to trap me in previously with 'resolve'..

 

To date not on my credit files.

 

 

Reading through here it seems they are sending defaults out on mass now - which can't be right.

 

I owe around £600 - but these people are very aggressive to deal with when you do speak too (not that i will now)..

 

Ironically, i would have paid if they had helped me at the beginning but its getting silly now.

 

How do i sort this out once and for all?

Edited by peter78
Link to post
Share on other sites

we haven't had any reports that they actually have placed a default on the credit file

and as they were not? the original creditor ?? they cant do that anyway

the ICO/FCA will eat them for breakfast.

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... 

Link to post
Share on other sites

CFO are the original creditor - as they are the PDL i used.

 

Any recommendations how to play this - do i write to them with copies of all the emails i sent / received offering Resolve and make a complaint / report them to FCA for dragging on and then 'defaulting' the account 3 + years later? What next a CCJ claim from them - bring it on - i will fight them.

 

Looks as though now CFO are out of business, but trying to collect from old customers - very shoddy outfit of a company.

Link to post
Share on other sites

  • 3 weeks later...

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... 

Link to post
Share on other sites

Any text messages they send you simply forward them to 7726, (SPAM) on your phones keypad.

 

Any calls they make, ignore, or laugh and hang up.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

  • 1 month later...

Well still getting emails from these guys and texts offering a settlement.

 

Interesting thing is whilst they said they were going to default me in September.....I have just had a look at my Experian report (free trial) and they had actually placed a default in 2013.This is not showing on Noodle.. They had defaulted the account at the same time as offering me 'resolve'.

 

So slightly confused by the threat of a default when they had actually already defaulted.

 

I wonder if the next step is court action..

Link to post
Share on other sites

Mark their silly emails as junk.

 

The Text messages forward them to the number advised above.

 

All they are simply doing is trying to intimidate you and exploit your lack of knowledge, so you contact them, oldest trick in the book.

 

If they were that interested then they would have taken action a lot sooner.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Link to post
Share on other sites

Just a thought - looking at getting the default off my credit file;

 

* original default placed 4/2013

* CFO threaten to actually default account 9/2016 - even though they already had placed?

 

Could I not argue the above? Along with the correspondence I had at the time?

Link to post
Share on other sites

Sound to me as if the default is in order although on the fringes of legality, the only difference being that they are now reporting these to a CRA

 

They know that they can not place a default so late so they adjust the time to say 90 days after the missed payment and report it.

 

I do think the sis wrong and they are using the threat of a default as a debt collecting tactic

Any opinion I give is from personal experience .

Link to post
Share on other sites

The two things are different . A default notice served under s87(1) is needed before a claim is made while a notice to register a default is just that. I suspect they know full well they can not register a new default so are just I find Remington you they are reporting it.

 

Someone did it with me a while ago so I told them it was far to late to register a new default to which they said it would be dated 6months after my missed payment. I have not seen a sign of it.

Any opinion I give is from personal experience .

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...