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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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Long time with Eurodebt...


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Good morning all,

 

A quick running update this morning.

No correspondence from anyone, at all.

 

Re Eurodebt/Moneysave

Ive referred to ICO stating they haven't provided all the information asked for.

 

A couple of text messages from Cabot saying payment due and payment late.

 

That's it to date....

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  • 2 weeks later...
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Good afternoon,

 

still no reply from Moneysave/Eurodebt,

an email from ICO today saying that in the absence of any communication regarding paperwork from around Nov 2006 onwards the ICO will now write to them querying why they haven't responded.

 

They will also ask them to respond to me and provide me with the information requested or confirm that they have provided all the information to which i am entitled....they have 28 days...

Edited by solomondogs
mis spelling
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good moving fwd

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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  • 1 month later...

Good morning,

 

A new year update..

.Eurodebt/Monaysave wrote on Monday saying they would provide details of F&F as requested during the week commencing 22nd January and also copy in the ICO,

 

I await...

Cabot still automatically phoning twice a day with recorded message which my phone helpfully cuts off half way through...other than that its quiet....

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  • 3 weeks later...

Good morning,

 

I have received some paperwork from Moneysave.

They have included a Moneysave Solutions Debt Management Plan terms of business which clearly isn't the original as when I started this they were called Eurodebt.

 

They added;

 

'I have provided details of the full and final settlement proposal for your Equidebt debt from 4/2/2011, 14/11/2011, 26/01/2012 and 15/5/2012.

 

these letters detail the fees involved and the proposed settlement balances negotiated.

 

These all require your confirmation and cooperation to proceed.

The fees are in line with the 5% quoted in your original Debt management Agreement.'

 

Firstly

I don't have a copy of the original agreement

just a copy of the application forms and no mention of F&F's is made on that.

 

Secondly

on the documents they have given me it quite clearly says

mail received

-F&F proposed by creditor

then immediately underneath;

Full and final accepted

- Creditor acceptance of F&F followed by

the balance,

the saving and

then the invoice which is 5% of the saving.

 

It still hasn't been made clear whether these fees have been paid out of my account,

I have never received nor sent any documents relating to full and final offers.

 

I have never been charged anything other than the agreed monthly sum,

I have never agreed to any F&F's

I'm a bit puzzled as to what is or has gone on?

 

Was the F&F accepted entry in the records just an acknowledgement that the letter had been received?

Edited by dx100uk
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So off to the ICO and complain they are still being obstructive

By not sending:

Org agreement

Org t&c's

 

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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  • 4 weeks later...

Good morning,

 

A reply from ICO yesterday..

 

'I note from your correspondence that you would like a copy of the original terms and conditions of the account, a copy of the original agreement and an explanation of whether or not the account has been settled.

 

The Data Protection Act 1998 provides individuals with a right to a copy of their own personal data, that is, information that identifies them as an individual. There is no obligation for a complete document or for an organisation to respond to questions.

 

Unfortunately there would be no obligation for Pentagon to provide the specific information you would like in response to your SAR.

 

You may find it beneficial to submit a request under the Consumer Credit Act (‘the CCA’) for a copy of the agreement, we would be unable to assist in this as it would be outside of our remit.'

 

To further update the correspondence from Cabot appears to have stopped along with the daily three or four recorded messages, nothing form anyone else present...

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urm I didn't think a CCA request would be applicable to a DMC

but CCA request it is then.

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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just put 77-79 let them work it out! if they can:lol:

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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  • 6 months later...

Good morning,

 

Its been fairly quiet on the western front of late a couple of letters from Cabot saying to contact, they've been ignored. But a couple of weeks ago I had a letter from Cabot saying that they had asked someone called Resolvecall to 'put me back in contact' with them...which sounded ominous, they were going to send someone round to see me...oh really! thought I..

 

Anyway no one has been which is just as well, but I have now received two letters stating they are now acting for Cabot and offering to assist etc and then this morning two phone calls one to my mobile one to my home phone neither of which were answered...

 

I've looked through the threads here and established that yet again they appear to be trying to ride the gravy train so I'm going to ignore, is this the established response or do I need to take further action to prevent them from turning up on my doorstep?

 

Many thanks..

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Resolve call ( ex Snotcall opps Scotcall) thell them to shut the gate on the way out, no powers just hoping commisiion agent. you know the typre never worked in their life doing real mens work just sat on fat asses!

:mad2::-x:jaw::sad:
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  • 3 months later...

I had a visit from Resolvecall this morning, didn't last long, but the little fella put a 'letter' through my door after I closed it which turned out to be a 'we called today' card which was nice..

 

I'm assuming I'll be getting more of these visits, I'm also assuming a polite 'no thanks' and shut the door is the required procedure?

 

Many thanks..

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