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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
      • 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
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lowell portfoli1-asking for my address confirmation.


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You're right, my Mam was one of them. Cheque written out and ready to send until I found it. She's never had a credit card in her life, yet this bunch of idots reckoned she owed Barclaycard. She was scared out of her mind and losing sleep. To me there should be a law against it! And as another poster has said, you could put your life on the fact that if more than one person paid they sure as hell wouldn't return the cash to innocent targets!

 

This is what I mean - sorry about your Mum being dragged in too!

Is there anything that we as consumers can do against them?

I believe in Fair Debt - not chance

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This is what I mean - sorry about your Mum being dragged in too!

Is there anything that we as consumers can do against them?

Just keep on reporting them to TS, the OFT the FOS and anyone else you can think of/ Someone will eventually take notice.

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have now recived a letter from red threatening that if i dont get in touch then it will make the situation worse i think i might just drop the sun newspaper a line about these idiots and see what happens then

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The only thing that will get worse is that some call centre muppet wont get his commision and will be made to stand on the Desk at Lowell HQ

 

The debt is Statute Barred and despite their weasley words there is sweet FA they can do about it. Time to report them I think

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I am now totally intrigued and wonder how the hell do they get away with it - intimidation or what.

Further letter received claiming that I owe £458.51 to Barclaycard and the collection of this 'debt' is now being collected by Red Debt Collection Services (I smell a [problem] here!)

 

Needless to say letter duly sent 22Jan08 - recorded delivery to a PO Box No 203 which is the same as Lowell's - interesting to note that PO Box 172 at Leeds LS11 9WS is used to return letter to sender of original letter(curious).

 

Apparrently 'this debt' was purchased by Lowell Porfolio on the 14Dec2007.

 

Further interest. I haven't had or used Barclaycard for over 30 years!!

 

kernow247

 

Red Debt and Lowells are ONE and the same. The letters you sent by recorded delivery will probably be ignored, if at all read, and this company will continue relentlessly in its efforts to turn you into a wobbling mess of nerves - Now where's that jelly wobbling smiley gone????? :)

I believe in Fair Debt - not chance

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Just to add one final comment - did not get to post office 22Jan letter not sent! Having seen latest posting and elsewhere on the forum - letter held but now await next bit of postal fodder to arrive....:(

 

Also having received a personal (Thanks MrTWS) am now switching to following thread to show support!

http://www.consumeractiongroup.co.uk/forum/campaign/128102-lowells-financial-services-campaign-1.html

Kernow247

Cornwall, UK

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Just out of interest I got a phone number

 

it was 0113-3086109

 

So if you want to call them free or std rate there ya go... (presuming you subscribe to a free call service)

NEVER PHONE THESE PEOPLE. ALWAYS KEEP A PAPER TRAIL. THEY ARE ECONOMICAL WITH THE TRUTH (allegedly)

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You're right, my Mam was one of them. Cheque written out and ready to send until I found it. She's never had a credit card in her life, yet this bunch of idots reckoned she owed Barclaycard. She was scared out of her mind and losing sleep. To me there should be a law against it! And as another poster has said, you could put your life on the fact that if more than one person paid they sure as hell wouldn't return the cash to innocent targets!

 

 

Go to the police because that is fraud and trying to obtain money by deception.

 

There are laws out there to protect us we just have to report it.

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  • 2 weeks later...

i have also had one of these letters. or rather several letters from lowell and red debt collections services. i had read a load of messages from people that have had these letters. i spoke to lowell about it as i dont remember having this card that was supplied by barclaycard. they told me to call barclaycard about it, so i did, got straight through to an advisor, nasty man got really cross with me and lowell, told me that i should not have phoned barclaycard. told him that i had been told to, he went nuts on the phone about that. he let it slip that the card was supposed to be dated from 1991. spoke to lowell again asked me to send a copy of my signiture, didn't do that though.

today i got another letter from red, offering me 50% off. told red i wanted a copy of the original agreement and also cpoies of all payments made to this account, i honestly cant remember having this card but if i did then it is likely to be statue is this correct????

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Hi ,

You guys really helped me out (on 16th Jan)by suggesting i send a cca letter N to lowells which i did on 23 January, I recieved a letter from them on 7th February saying thier client B,card has requested my agreement be retrieved from achive,and goes on to say once YOURagreement has been retrieved YOUwill have to repay the outstanding in full.They then go on to offer me a reduced payment (originol 1083.63) of 433.60 providing i pay by today(9th) which i wont. I would like to know , as i read somewhere that the 12 days they are given to produce an agreement is 12 working days+ 2 days for postage, i just need to know exactly when thier time is up.Is it the 8th or 12th February?

:confused: PS dont do computers very well ,hope this gets where its supposed .too!

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If you sent the CCA request on 23rd January, it would have been received by Lowells on 24th January (presumably you have proof of delivery for this). The 12 working days would start the day after receipt (25th).

 

So the 12 working days would be up on Monday 11th February.

 

It sounds like they don’t have the agreement and are just hoping that you’ve no idea about the Consumer Credit Act and will just simply pay up.

 

How old is the debt?

 

Start your own thread to avoid hijacking jts1’s, then you can ask away ‘til your heart’s content.

 

Simply click on the” New Thread” button at the top of the DCA forum and away you go!!

 

If you’re struggling starting your new thread, have a look at Bookworm’s Dummies Guide by clicking the link below:-

 

How Do I..........?

 

 

Bo :)

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Hi ,

You guys really helped me out (on 16th Jan)by suggesting i send a cca letter N to lowells which i did on 23 January, I recieved a letter from them on 7th February saying thier client B,card has requested my agreement be retrieved from achive,and goes on to say once YOURagreement has been retrieved YOUwill have to repay the outstanding in full.They then go on to offer me a reduced payment (originol 1083.63) of 433.60 providing i pay by today(9th) which i wont. I would like to know , as i read somewhere that the 12 days they are given to produce an agreement is 12 working days+ 2 days for postage, i just need to know exactly when thier time is up.Is it the 8th or 12th February?

:confused: PS dont do computers very well ,hope this gets where its supposed .too!

Please do not hold your breath waiting on these clowns coming up with anything hence the reason they are being so generous. The debt is Statute Barred and therefore UNENFORCABLE.

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surely one way to annoy these clowns would be to spend one given day just faxing them blank sheets of paper or entering their fax numbers on some dubious sites .I know its silly and childish but i strongly believe apart from killing them (JOKE) this is a way to annoy the hell out of them the way they are with us ?

 

FAX Number 0845 3009411

CAG v dca

 

CAG EVERYTIME .....

KEEP RIGHT ON TILL THE END OF THE ROAD ........

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surely one way to annoy these clowns would be to spend one given day just faxing them blank sheets of paper or entering their fax numbers on some dubious sites .I know its silly and childish but i strongly believe apart from killing them (JOKE) this is a way to annoy the hell out of them the way they are with us ?

 

FAX Number 0845 3009411

I do believe that there are a few Nigerian generals/Barristers at Law/Bank Officials who have millions of pounds they would like to share with people.:-D

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