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    • 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
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Hi,

earlier this year I got a mobile phone from perfect homes

 

. Started out paying ok then I split from my partner and I fell behind on payments.

I tried to catch up online but it will only let me pay full arrears.

I tried to deal with them in writing and the only answer I can get off them is phone the store.

 

I did not update my address with them I know that was wrong

. But I have now received a default notice off them

it was forwarded by my old landlord and I received it after the deadline.

 

Now the interesting thing is in the details of it it's blank where it says I am so many payments behind and where it says total amount of arrears.

 

The total amount outstanding is also listed as £0.00 it's all dated and signed but it's missing the crucial information

 

. Where do I stand with this what action should I take?

Because I can afford the minimum payments but can not clear the arrears which will be around 12 payments.

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Hi Old TImer

 

Welcome to CAG.

 

Can i have details on the length of the agreement, how much it was for and how much you were in arrears.

Also how long into the agreement were you?

 

FKO

 

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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Bet they made you take out their stupid insurances?

Get reclaiming

They are not compulsory!!

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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Hi Old TImer

 

Welcome to CAG.

 

Can i have details on the length of the agreement, how much it was for and how much you were in arrears.

 

Also how long into the agreement were you?

 

FKO

 

Hi. It was a 3 year agreement and I was only 4 months in. Arrears should be currently 11 payments I was paying £11 per week before insurances.

 

As I said the default letter is missing all of the important information. It doesn't tell me how many payments I'm behind or amountt behind. And the total balance outstanding on the agreement is shown as £0.00.

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Were you 4 months in when the arrears began or is it now 4 months in with 11 weeks missed?

PLEASE HELP US TO KEEP THIS SITE RUNNING

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Because you are so early into the agreement, there wont be a great amount to claim back, although every penny counts!

I would simply return the phone and cancel the agreement altogether. They wouldnt then be able to default you which will stay on your credit file for 6 yrs.

 

Unless the default is already registered.

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Moved to the rent to own forum

Lots of like threads here too

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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  • 11 months later...

Thread is 12mts old..

Now closed to stop newbie bumping

 

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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Thread Locked

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If you need to add something to this thread then

 

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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

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