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    • If you are buying a used car – you need to read this survival guide.
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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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Hi Im new to this board and after a bit of advice please.

My partner is having a bit of trouble with this company. He has an old barclaycard debt which HFO have brought. The amount he owed was about £700 which he knew was right so started a payment plan with them last February paying them £32 a month. We pay by postal order just because we didnt want them having our card details. Anyway we have been paying £32 every month without fail, payment sent in time for the 28th of each month. Everything was fine except for a few calls asking if we could pay more etc etc. In January I decided as we had a bit of extra money one particular week I sent them their payment early. Big mistake apparantly! Last night my partners dad was on the phone saying this company HFO serives have been on the phone threatening court action for non payment. 30 mins later they phoned our house threatening court action. I explained that we are up to date with our payments and how dare they threaten us with court action. After hes looked at our acounnt he has told us that as we payed early last month the computer now has that particular date down as our payment date and thats when we have to pay now. After much arguing he eventually said i will send you out a new contract with payments due on 28th (our original date). My partner has now phoned me up saying they have been on the phone again this morning threatening court action. Also according to there records he owes more then what Ive got written down in my records. He said its interest. Can they put interest onto an old debt??

Just wondering whether i should just carry on paying as I have been or ask to see some evidence of interest cost etc.

Thanks in advance

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Hi, you need to find out if they actually have the right to collect the debt in the first place.

 

You should send them letter N from this link with a £1 postal order or cheque from someone other than you

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

The upshot of it is if they can't produce your agreement they can't enforce the debt and you don't need to pay them another penny:D. Many people end up going down this route when creditors get too greedy and start with their empty threats. Barclaycard are pretty hopeless at finding agreements from what I have learned on here.

 

Best of luck

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

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

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I would make the payment - and hopefully it will be the last one you need to make:D. It is so close to the date they will receive your letter it just seems that it is sensible to keep them off your back for the time being. The war can commence when (hopefully) they can't find the agreement....

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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