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    • An update - Still receiving emails and letters - but have been getting text messages too. nothing aggressive just asking me to get in touch.    the text makes it look like it from the bank on first glance - it reads -   'the banks name' would like to dicuss our recent communication...etc... then lists IDR phone number and email FYI - reporting them as spam
    • Hello, After seeing all of the posts about BMW on here I really wish I hadn't even considered them! I bought a used car from them over the weekend, one specifically which had a reversing camera and cruise control in the advert. I was foolish at the time of purchase and didn't check to see these functions work on the test drive (totally my fault). Now that the car is home I've checked and checked and neither of these functions are available. I even checked on Parkers and it seems that no Skoda Kamiq '21 models come with any parking cameras at all. When buying the car, I was told all that was needed was 'Four signatures and £500' to secure it. I was never shown any of the documents, and instead the sales rep opened a box on his iPad and asked me to sign. He had been complaining about the length of time some customers take these days all throughout my time with him. (Again) foolishly I signed. In my email inbox I now have four attachments from BMW, one of which is my signature under a letter which basically says that the cars don't need to match the advertisements online, or have any of the features that a sales rep talks about. I realise that I've made mistakes in not doing my due diligence here, but thought I might as well ask the experts here if I have any rights left to claim that the car was miss-advertised, or if I unknowingly signed them away? Thanks in advance
    • where was this PCN:? please complete: pers i cant see the point in an sar yet await/if they ever send a letter of claim. as long as you've not moved since 2022 you are OK to totally ignore . dx  
    • ah this is a B2B PCP then as your are sending the SAR as a private individual and not as repping the co. you need to prove to them. unfortunately, i think that will also reset the 30 days. dx
    • Customers who opened HSBC's one-year fixed rate Isa say they have been unable to see the new Isa they opened or the money they transferred in.View the full article
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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.

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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.

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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Cheekiness towards a DCA


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Carters slammed the phone down on me on Friday.

Then. we are a firm of solicitors

Me. No your not you are glorified debt collectors.

Them. We are solicitors that happen to work for a number of dca’s

Me. And get you judgements by default issuing the court papers to old addresses.

Them. SLAM

 

The truth hurts.

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I love to get the crowd at Carters going they all talk posh, even the little telephone monkeys on £5.00 an hour talk like they just came out of Oxford.

 

They probably speak as if they've a mouthful of marbles because they've probably got a mouthful of Bryan's...........

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I was only going to add .....doughnuts;)

 

Sugar coated ones? ;) Placed near some recently opened envelopes?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Talking about envelopes fuzzybobble, When I had to pay good old Bryan Carter £5.00 a month I always put a fivers worth of small change in a bank bag taped it up tight and put it into a large padded envelope stuffed very full of fine shredded paper, just for safety you understand. With a note requesting a statment of account.

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LOL Fuzzy

 

Im surprised you didnt do one for *** *******

 

He gets a small part in my next video.

 

Just waiting for Watchdog to be on TV, as I may be able to use a few bits off there too.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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FB i see you found my link in the Bear Garden then :D :D :D

 

wondered how long it would take ,, lol

 

quote > FB > I got a mention on TV last night.....

 

It had to be done. The temptation was too great. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Priceless Fuzzy. So when did Madonna pop to S-O-T for a fuzzybobbling?:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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i had a funny one 2 weeks ago with global debt recovery:

 

really grump agent answered

me: i spoke to the bank and they have not passed the debtto yourselfs

them: they have told us to sue you

me: i am not going to take treats from you

them: i have not

me: you have just made a treat of sueing me

them: sueing is not a treat mr the bank is telling me thay you owe them money and you wont pay them back

me: may i say something:

them: no i dont want to speak to you good day

me: i will keep calling back

them:your harassing tactics are not going to work (they must get alot og us Caggers on the phone:D) the conversation is not you shouting at me (at no point did i raise my voice to him)

me: you are not listining to me

them: i dont want to listen to you what you are saying is complete nonsence the bank has not told you anything of the kind

me: well they have and i read out the number of the bank and told him i spoke to them before calling him

them: you have taken money from a bank

me: where is the deed of assigment? the bank have told me they have not passed this to collections what would you do if someone contacts you out of the blue asking for money?

them: i am not prepaired to contine the conversation

me: can i speak to your manager

them: i am the manager

me: i am going to refer this to the credit services assoscation, the fos, trading standards and my solisitors oh and i forgot the OFT this is telephone harassment

them: i did not harass you

me: i think you have and you are contiuning to do it as we speak

them: dont intruput me again you are lying

me: that is unture and i have a telephone recoring of that telephone conversation and this one also

them: listen this is how a converation works what normally happens when you have a converation with someone is you wait until there is a pause in the conversation (he was getting very ratty at this point) or you wait until its clear that the other person has finshed speaking (wow a dca knows how conversations work pity he didnt take his own advice as i could not get a word in edge ways they dont like been put in thier place) please send me an email as i dont want to speak to you

me: thats funny as you have blocked me from emailing you i have an email confimring you blocked my email address

him: do you not know how to send an email

me: tell i am a I.T techition by trade so what do you think?

him: no you havent you have just made that up as well we have not blocked you thats rubbish and a lie

me: i go on and explain how a microsoft exhange server works and how you can block emails from certin address using exchange

him: thats unture you can do that (silly idiot i do it every day to stop spam coming in on my clients servers) do you not know how to send an email maybe you should ask somebody who knows to show you how

me: will you stop raising you voice

him: you have interuppred me

me: well during a conversation if someone is telling lies and been abusive then its normal for someone to but in and corrtect the untruth the term is heckling

him: how dare you (starting to shout down the phone i think his blood pressure must have been boiling at this stage or he needed more cheap cider)

conversationg goes on and one like this for 25 mins at the end of which i think i heard him tumping the desk even when i offered him payment he would not take it he said i am going to sue you and me saying not without a deed of assigment or any papers to back it up you wont i heart was racing at then end of the call but i never raised my voice to him i sent the cd off to the bank and they were socked. i have also sent it to my solisitor on friday to get rid of this dca as the debt has now been paid with the bank

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That conversation need to go on here or youtube, after removing personal details of course. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Just out of interest, here is a scan of a Royal Mail Recorded Delivery POD from one of our highly educated respected DCA's, It rather gives credence to the theory that staff are recruited from local nursery schools, or drying out centres for spiders on crack cocaine !

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...here is a scan of a Royal Mail Recorded Delivery POD...

Should be a good honey season - if all the bees follow that little dance... :)

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Well the trouble is these DCAs have not seen a proper signature for a while as none of us will give them ours. So they haven't got anything to copy from:D

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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