Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
      • 161 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
        • Like

Can anyone help - New to this site - SCOTLAND


wideload1888
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5449 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

they are here.

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Dont sign the letter just type your name.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • Replies 86
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

you have stated you paid moorcroft £200.00 how have you paid this. If it is via bank payments, cheques, postal order or payment slips/ payment books then they will be proof of this.

 

You could always check to see if the cheques were cashed or not and see what is basically going on with the money you have paid them.

 

If you need any help just shout.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 5 months later...

Rite do u have a scanner?

 

If u open a photobucket account, Image hosting, free photo sharing & video sharing at Photobucket, then u will be able to post anything on this site with the help of photobucket.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Well it clearly states Application forum on it and you request a Consumer credit agreement which is completly different.

 

I personally cant read it and if that is how it came i would argue it was unreadable/illagable.

 

Unenforcable in my eyes.

  • Haha 1

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 2 weeks later...

ok so what date did HFO get the account as it seems to be conflicting info.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 2 weeks later...

Dcas feel they can do what they like the think they are above the law and dont have to follow legislation etc.

 

They are obviously wrong but i have found if u mention OFT complaint to some DCAs u tend to get your way quicker.

 

Yes DCAs will pass accounts to and from each other and add what ever charges they feel like as that is per the contract u signed according to them even if u did not sign a contract. They claim u dont need to have signed a contract for a debt to be legal etc u should read some of the excuses i have heard they really are funnuy

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

will look in on the cca in a bit son needs feeding

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

rite well here goes.

 

regarding the debt sorted question.

 

u dont need to worry about that until it comes down to getting a correct CCA.

 

Re charges.

 

Its there commission and they will try and get as much as they can out of u.

 

DOnt pay the charges as they have nothing.

 

Re winners.

 

We only win when a OC or DCA gives up. That is classes as a win to me.

If they write to u agreeing the debt is unenforcable aswell that is a win.

 

ok re your last post.

 

What has happened to the money u have paid moorcroft have they refunded u it?

 

Now the hfo thing. They first contacted u in Novemeber saying they had brought the debt then re contacted u in may to say they had just brought the debt.

 

Did u keep both of these letters?

 

Now from what i can understand they have add £300 in charges while an acc is in dispute these need are illegal. we can tackle that later tho.

 

Rite what i would do is write to the company headiing letter one formal complaint and make a formal complaint regarding the handling of this case.

 

Basically the fact they have added charges whilest acc in dispute which is against the CCA1974.

 

Give them 14 days to ammend the situation or u will make a compliant to the oft.

 

Letter 2

 

A dear morons letter will work.

 

just make sure u put I do not acknowledge any debt to your company or any company you claim to represent.

 

Just how i have put it.

 

Explain that they have npot complied with your CCA request and until they do so you are no going to acknowledge any debt to either company or pay any company any money.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Junior is 4 now and his dinner was just comming out of the oven as he has school dinners.

 

A lot easier for me ATM with everything else going on.

 

I will say u should send BC a SAR but you do realise they cost £10 and can take months to come up with the documents.

 

I have acess to many letters most of which i have wrote my self and can be colourful until edited correctly.

 

I can write u a letter if u wish me to and i can organise a SAR as well if u wish me to.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

Will get it done when i have 5 minutes.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 1 month later...

The S.A.R - (Subject Access Request) request.

 

PLEASE DO NOT POST TEMPLATE LETTERS- IT IS AGAINST THE RULES AND THE TEMPLATES ARE FOR MEMBERS ONLY!!!!!!

 

Sorry i forgot abou this. If it is a different letter u need then shout me.

Edited by pt2537
Template letter removed

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

£10 po is fine keep the recipt as u can claim it back ltr

I will get u a dear morons letter after feeding baby.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

short or long?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

kk will do its more than likly to be the short one as they have reading probs.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • 2 weeks later...

Hi wideload.

 

I sent a Dear Morons letter to ur inbox. I am guessing u did not get it so if that is true just let me know.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...