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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 
      • 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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Freeman Jones!!! IVA company


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Desperate for some advice pleaseeee... I'm at my wits ends.

 

I am in my second dmp since 2013 and was previously in one for 9 years.

 

I requested a SAR to freeman jones,

however cannot see whether they have bought the debt from creditors.

And cannot see how much of the few hundred I pay a month actually pays for debt to the creditor...

 

I finally have gained the courage to stand up for my rights.

And My desperate questions are I know of someone who wrote to all her creditors and asked for the cca,

most not being able to provide and they couldn't pursue the debt.

 

1: shouldn't the IVA company have copies of all credit agreements signed by me before they sacred on their behalf

 

2: shouldn't the IVA company provide me with the copies?

 

3: shouldn't they state in the SAR how much is being paid to the creditor?

 

4: can I leave the Iva and write to the creditors asking for the original agreements?

 

5: if they cannot provide a copy of the ca signed by me, am I able to claim monies back I have paid to the dumps over the last 15 years?

 

Anyone who can help, I would be so so grateful.

 

Leelee84

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Desperate for some advice pleaseeee... I'm at my wits ends.

 

I am in my second dmp since 2013 and was previously in one for 9 years.

 

I requested a SAR to freeman jones,

however cannot see whether they have bought the debt from creditors.

And cannot see how much of the few hundred I pay a month actually pays for debt to the creditor...

 

I finally have gained the courage to stand up for my rights.

And My desperate questions are I know of someone who wrote to all her creditors and asked for the cca,

most not being able to provide and they couldn't pursue the debt.

 

1: shouldn't the IVA company have copies of all credit agreements signed by me before they sacred on their behalf - nope

 

2: shouldn't the IVA company provide me with the copies? nope

 

3: shouldn't they state in the SAR how much is being paid to the creditor? yes

 

4: can I leave the Iva and write to the creditors asking for the original agreements? yes

 

5: if they cannot provide a copy of the ca signed by me, am I able to claim monies back I have paid to the dumps over the last 15 years? nope

 

Anyone who can help, I would be so so grateful.

 

Leelee84

cash cowed twice

 

 

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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Thank You for replying.

 

If the old creditors can provide a copy of the original signed CCA, would they accept a payment plan from me personally rather than paying a DMc to do it for me?

 

Thanks so so much

 

Leelee

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there is no legal remit that says you must use any DMC.

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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Share on other sites

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