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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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 
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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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HFO Services


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I have today recieved what in my eyes was a threataning phone call from a person called Philip at HFO Services, He said he was the manager i think ( i found him hard to understand with the accent he had) He told me that i owed over £3k to a company called Welcome Finance who had sold the Debt on to them. I was aware the debt was there. Anyway to cut a long story short He called me whilst i was at work i explained that i could not talk to him, but if he could call back in the morning i would talk then. He refused and said this needs to be sorted immediatley. I said i am a single bloke earning not much money, so i could only afford £40 per month. He said this was not enough and that it should be at least £170 with an immediate payment of £100 to stop a distress warrant being issued. I said that its too expensive and i simply cant afford the high payments. He then informed me that coz i aint paid today, someone will be visiting me for payment!

 

I see other people have had dealings with this company. Where do i stand?? HELP!!

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Hi Gav

 

Welcome to the HFO fan club. They are 1st class bullies. Just don't speak to them on the phone, and only deal in writing. Have a look at the other threads involving HFO but don't panic.

 

Doc

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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I intend to tell him when he calls tomorrow, that i wanna comunicate in writing only! The Debt is mine, Can the still harrass me like they do?? If i make an offer of payment per month can they refuse to accept it??

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You also may wish to have a look at the OFT debt collection guideance to know which parts of it they are breaching http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Can the still harrass me like they do??
Quite simply no they can not. There are laws in place to prevent this. Here's a link to one of them Debt Help UK - Administration of Justice Act 1970 | UK debt consolidation service with free help and advice Point 1. refers to your situation as they phoning you at work.
If i make an offer of payment per month can they refuse to accept it??
Lawfully no they can't, but they tend to ignore the laws that get in the way of how they do business.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I have just found the Card that i recieved Through the post from a company called 'First Direct Logistics' Saying they had a package for me. I never rang to claim the package. When they say they have contacted me by post is this what they mean? Is it Legal to do this??

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Hi Gav. The more I hear about these ******* at HFO the more I boil with rage! I am having problems with them too. They sent me one of their stupid First Logistics Cards, then they started phoning me, and then I got a letter from their Solicitors saying I had been "unco-operative" and they were taking me to Court. From what I have read here, they do not act within the Law at all, - they just ride roughshod over all the rules, and hope to bully and intimidate people into paying them money. Whatever you offer to pay them, they will either refuse it, or accept it for a month or so and then force you to raise it. They seem to prey on what you might call the more vulnerable in society - women alone, single parents, those on low incomes etc.

 

The advice I got from this Forum was to refuse to talk to them at all on the phone, and send them something called a CCA Letter, which you will find in the templates section here. This basically asks for a copy of your original credit agreement. If they do not have that, they cannot enforce the debt as I understand it, although HFO will tell you otherwise :rolleyes: When you send the letter, send it recorded so you have a record of sending it, and you can track it on the Net to see that they have actually received it. Also send a Postal Order for £1.00. Also, when you send the letter do not sign it wth your normal signature!

 

I wish you luck with this situation. I am fortunate in that, so far, they have not traced my workplace - they phone me on my mobile phone - constantly :rolleyes: I have told them I will not deal with them on the phone but they don't seem to listen. I believe there is a letter about telephone Harrassment available on this Forum, that you can also send to them, just to cover yourself, especially if they are calling you at work and jeopardising your job.

 

Good luck.

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I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

Dont sign anything and ensure you send it recordedm so you can trace it

 

I didn't write that on mine :sad: Is that a problem? I am actually totally terrified of these people - just trying to put on a brave face.

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He just rang again 4 times in 5 minutes. I told him no communication on the fone. then he abused me. I hung up and he kept ringing back

 

Wow - that IS harrassment, and I would think grounds for sending one of those Harrassment letters! I know they phoned me a couple of times last night, but now they are trying to hide their real number behind one that just comes up with "ID Withheld" or "ID Unknown" I just choose to ignore anything that comes up like that on my phone. I've even just managed to borrow a friend's old mobile (she has just bought herself a new one), and have given that number to all essential people, such as my Dad, my office etc, so I can safely ignore any "ID Unknown" numbers on my old phone knowing anyone important will call me on the other one.

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Hi Gav, Just want to formally welcome you to the Society for HFO victims!

 

Please don't despair. Read everything you can in all the threads and you will soon realise that things are not as bad as they seem.

 

Good luck

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He just rang again 4 times in 5 minutes. I told him no communication on the fone. then he abused me. I hung up and he kept ringing back

 

Go to a football shop. get football siren. problem solved.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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HFO sent my landlord one of their silly cards, we have a safe place for parcels here and somebody to sign for them so we knew it was a fake.

 

They sent me an email asking if I wanted to work for them - I didn't reply as I think they are a nasty lot - they insisted I could earn £30K+ a year from a basic of £18,000.... and that the workplace was a fun, money hungry environment.

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HFO sent my landlord one of their silly cards, we have a safe place for parcels here and somebody to sign for them so we knew it was a fake.

 

They sent me an email asking if I wanted to work for them - I didn't reply as I think they are a nasty lot - they insisted I could earn £30K+ a year from a basic of £18,000.... and that the workplace was a fun, money hungry environment.

 

Glad they think it's "fun" to drive people to tears, and harrass some into even contemplating suicide just to get their "money-hungry" hands on a few more pennies :rolleyes:

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Here are the links to the job ad and their advert on the internet

 

Call Centre Sales Agent Wimbledon Call centre telesales jobs London

http://www.hfoservices.com/home.html

 

The job advert is quite misleading as it doesn't really say you are going to be debt collecting (and making those 'phantom visits').... just building customer portfolios and increasing their values...

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The Administration of Justice Act 1970

 

Anybody know who to go to , to enforce this act.

 

HAK

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Trading Standards I would imagine.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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I would send them a copy of your income and expenditure along with offer of payment and just keep paying that monthly - under no circumstances should you speak to them they will bully you into all sorts they are bad people who think they are above the law.

 

Good luck

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