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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.

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      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.
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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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Lloyds Personal Loan


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no they've offered you incentives to pay [discounts?]

 

 

ignore

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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  • 4 weeks later...
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Hi,

 

Another update as promised.

 

Four weeks since the last letter and I have now received letter number 3 from RW.

 

 

How lucky am I,

they are able to offer a reduction to the outstanding balance and will even accept installments to pay the reduced sum instead of a one off payment.

 

Although it's a very kind offer, I think I'll wait and see what tomorrow brings.

Robinson Way_3_Edited.pdf

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  • 4 months later...

Hi once again,

 

Just an update to this saga.

 

Three months after the last correspondence from RW and it seems that they too have been given the boot by Lloyds.

Now they have asked Wescot to collect on their behalf.

 

The letter from Lloyds, with Wescots PO Box address on the back of the envelope, asks me to contact Wescot Credit Services as soon as possible to arrange to pay back the outstanding balance.

 

We'll see how long it takes Wescot to contact me, because I wont be contacting them as soon as possible.

 

Thanks

Lloyds re Wescot_Edited.pdf

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you don't ever contact any DCA that quotes someone else as their 'client'........

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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Cash must be tight if they are using them :-)

We could do with some help from you.

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  • 2 weeks later...

Me once again with a quick update since Lloyds 'introduced' me to Wescots.

 

I've since had two letters from Wescots,

the second one has actually stretched to getting the red ink cartridge out and using it.

 

I particularly like the way they have stated they know I live here because they have done additional checks using publicly available information, according to Noddle there have been no checks made on my Credit File, so I don't know what they are referring to nor am I really bothered by it.

The next quote is better

 

"lf we do not hear from you we will continue to undertake activity including phone

calls, texting and lettering to recover this account on behalf of Lloyds Bank Plc."

 

Does that mean they are going to start a campaign of harassment, or just another scare tactic maybe :)

 

I've included letters 1 and 2 for others in the same situation.

 

Thanks

wescot red.pdf

wescot blue.pdf

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  • 3 weeks later...

Hi,

 

Probably the last letter I'll get from Wescot as we are already at the "Significant Discount" stage.

 

So are there any more DCAs that Lloyds might ask to collect on their behalf or are they likely to just sell it off.

 

I'll obviously update when something fresh emerges.

 

Thanks.

Wescot_3_Edited.pdf

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  • 3 weeks later...
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