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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.

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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.
      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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Logbook Loans Bill of sale advice


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Hi everyone, if anyone can help please do.

 

Just a few questions about my bill of sale

 

1) my copy is not dated or signed by a witness.

 

2) if other copy has been signed by same person from lbl company that signed my credit agreement does this make the bill of sale void?

 

3) after looking at my credit report the lbl company has stated i have an unsecured loan and not a secured loan..does this make a difference?

 

4) bill of sale has a witness address on it being media factory in preston which is a university address...is this allowed?

 

Have requested a copy which was registered with the high court but had no reply from lbl company so i will send off for it myself.

 

Any help will be appreciated

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1. not an issue

 

2. not an issue

 

3. nope

 

4. not an issue

.................

 

tell us the story please

whats going on ?

 

 

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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Hi dx thanks for your reply.

I am currently 2 payments behind due to non payment of wages from ex employer hence why he is an ex employer...

 

they have said all my queries have been sent to their compliance department as of today so waiting to hear back.

 

On checking the paperwork that they have provided this morning.

 

.the bos is dated different to the credit agreement even tho they were signed on same day.

 

Also on their copy of bos the signature is different to the signature on my credit agreement even tho there was only one field agent present and myself at the time.

 

I have passed all these questions to the company and waiting on them getting back to me.

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they have now treated my issues as a complaint and repossessing car (still got it up til now).

 

My big issue is the field agent came to my house on his own so there was only the 2 of us present.

 

The company sent me copies of paperwork and the credit agreement and bos have 2 different signatures on it.

 

Surely this is fraud as the same person can't sign both agreements which means when they have received paperwork from agent (who told me he earns commission)

 

they have got someone else to sign the bos maybe thats why mine wasnt signed cause i may have picked up on it at the time.

 

Any help would be appreciated

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not sure what you are going on about

if the BOS copy from the court was registered within 7 days then its ok.

witness signatures mean nothing

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

Have you received a default notice that you have not

remedied

If so you need to urgently instigate a time order

if you want to keep the car

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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not sure what you are going on about

if the BOS copy from the court was registered within 7 days then its ok.

witness signatures mean nothing

 

Thx for getting back to me dx..

my query is if the same person has signed both credit agreement and bos and has different signatures

doesnt this amount to whoever signed bos and swearing to the high court that he witnessed my signature to be fraud

when only 1 person was present at time of signing both agreements?

The paperwork was signed in my home.

 

Have you received a default notice that you have not

remedied

If so you need to urgently instigate a time order

if you want to keep the car

 

I have applied for time order and applied to high court for copy of bos...i did ask the company for a copy but they only sent the copy with no seal on it.

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In order to assist we need much more information

 

Please upload with personal information removed

 

The pre contract information

The credit agreement

The bill of sale they sent you

The default notice

 

To repossess they must show a copy of the stamped bill of sale

 

If they have not registered the bos

they would need a court order to repossess

 

However the credit agreement is a separate entity

and would continue albeit unsecured and would require a challenge under s140

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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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

read the upload guide

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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