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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
      • 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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Monument SAR


tracyab1972
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Gather all your information and give the ICO a ring, see what they say. Explain the problem as been resolved, but tell them you would still like to know as to whether a Breach of the DPA as occured. They might say file a complaint with them. If it can be proved that a company as Breached the DPA by confirmation of the ICO, then your in a stronger position to claim compensation through the courts imo.

 

Spark

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Okay, I have called the ICO and explained that Lowells defaulted my credit file in Sep 07 when in fact they didn't buy the debt until Nov 07. I did explain that the default has been removed due to me complaining to Equifax about it. I have been informed by the ICO that there isn't anything they can do as the problem is now fixed and all I could do is maybe get in touch with Trading Standards. I was also told that I wouldn't be entitled to any compensation either.

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  • 2 weeks later...
  • 2 months later...

Hi

 

I was defaulted by Monument in Dec 2007, but I requested all my late payment charges from them in April 2007. My credit file shows this as 'settled' as I won my charges back from them. However, I don't believe that this should show on my file and I also believe that defaulting a customer whilst the account is in dispute is unlawful. Is there any templates or advice that anyone can give for me to proceed with getting this removed?

 

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  • 8 years later...

The Monument Card is Issued by Compucredit UK Limited,

Their registered number is 06032187 and registered address:

The Portland Building

25 High Street

Crawley

West Sussex

RH10 1BG

 

 

25 High Street is the Barclayslink3.gif Building.

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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leave it blank

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 - just to let anyone who is looking at this thread for help with the address for Monument. I used the address below but my letter has been returned as Royal Mail cannot deliver, so this address must be incorrect.

 

Thanks

 

The Monument Card is Issued by Compucredit UK Limited,

Their registered number is 06032187 and registered address:

The Portland Building

25 High Street

Crawley

West Sussex

RH10 1BG

 

 

25 High Street is the Barclayslink3.gif Building.

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  • dx100uk changed the title to Lowell and monument debt
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