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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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hi im new on here

i could do with some help regarding brighthouse

 

my marridge broke down 2 years ago and im not proud to say i had to use brighthouse for a tv fridge and washing machine

 

my weekly payments are £48.00

i took out the tv and washing machine in june 2016 and the fridge november 2016

 

i kept up with payments until september this year when my hours at work were cut by 50 hours pm

 

i contacted my store but they were very rude and would not lower my payments

as a result i am constantly in arrears

 

when i phone to make payment there is always a extra 12.00 added

 

today i had to pay 61.00

 

i have the osc and other insurance

 

can i claim this back

as i suffer with anxiety and the constant texts calls and visits every week are making me stressed

thankyou.

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yes you can reclaim the OSC/DLC from day one.

and if these £12 fees are penalty fees for being late/over then those as well

at THEIR int rate too.

 

STOP PHONING THEM

writing only from now on

and use BACS to pay them online too.

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 thankyou

 

the 12.00 are penalty fees .

 

i was told i cannot pay by bacs

they had my card details but i cancelled my card and call the automated payment line

 

i have been reading the posts on here and do i send the letters to my store and head office

 

the calls and texts will start again tomorrow

 

what i paid today was for last saturday .

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You can pay by bacs. They cant stop you. You also dont have to pay their penalty charges.

 

If you have their bank details, pay by bacs, and use your agreement as a reference number. Then inform BH what you have done. If you get calls and texts, block them and send them to your providers spam number

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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oh dear

time to get reclaiming those fees

and the insurances

 

have you all the statements?

 

if you are ringing

how are you paying ..new card?

 

pop them in this

put BH apr in cell d15

 

CISheet v101.xls

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 remember they have zero legal powers

esp their stupid agents

 

they are NOT BAILIFFS

so if you get some dirty mac brigade from them at the door

tell 'em to leave or you'll call police 101

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

yes

i have the pleasure of him every week without fail

 

im currently setting up a debt management plan with step change

can brighthouse be added to this

 

i have been paying for my tv and washer for 18 months and will not give them back

 

with all the money i have paid ive probably paid the purchase price already .thanks

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Yes of course you can

 

And its more like 3 times over

 

What other debts have you

Its better to do the DMP yourself

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

i have outstanding debt to provident and water rates

 

i was managing ok but when i lost 50 hours a month it really set me back

 

provident have let me do half payments for 6 weeks

but now want full again and i cant afford 60 per week .

 

its mainly the harrassment from brighthouse that stresses me

i will never ever use them again

they are like vultures and dont care

 

they were all smiley and happy when i used to go in store to pay

but as soon as i was in finacial trouble they changed

 

one woman staff member is really horrible

so i refuse to go in anymore.

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You TELL Provi what they'll get, they DO NOT dictate to you what you will pay, it doesn't work like that.

 

Do your own I&E form and work out what YOU can realistically afford to pay, if that's £1 a month then so be it.

 

Is it wast water or clean water rates you're having trouble with?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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well you ignore them and do your own thing

there is really stuff all BH can do

they never goto court and never will

pay what you can COMFORTABLY pay when you can.

 

as for provi

same there too.

do you have a doorstep agent that comes?

water rates can get a CCJ and p'haps the most priority here

funnel your funds toward paying that off

drop ALL THE REST

to

 

send all of 'em our offer letter of £xx for xxmts

if they freeze all charges and interest

 

its in the debt collection section of the library

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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thankyou my ex husband used to pay the water rates but stopped

i had it transferred into my name and got stuck with all the arrears

 

i owe about 1500

im currently paying 50 .00 per month.

 

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

 

im really trying to get myself straight but it seems a uphill struggle at the moment.

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text the doorstep agent too not to call anymore

you are dealing direct with provi

 

send those letters!!

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

yes i have a doorstep agent

i did not pay last week and have about 20 missed calls on my phone

 

Tell the 'agent' to stop calling you, if he persists then you will make a complaint of harassment to the local police and show them the evidence of his harassment.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Have you checked your water providers web site to see if they have any schemes that help people with their water bills if they get into difficulty? United utilities have a scheme that matches pound for pound what you pay!

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your bank will have the details of where the money went when you paid by card so ask them.

 

They may have it all to hand undar a faster payments ref and if not you can set that up so you can pay by phone/internet/in branch without giving your details to Brighthouse

 

also agree with the other posters,

get your statements together and tally up all of the unlawful penalty charges

then let them know that you are now wise to all of this chicanery

 

you will be after a refund plus interest and dont care if it is the easy way or the hard way because the longer they delay it the more interest you will earn on the money!

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