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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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CCJ...N244...EX160A...Hel p


myalterego
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Hi ...finally got a n244 form to fill out regarding a ccj...

 

It`s asking for £75...cannot pay this...so filling out a EX160A form....thing is...we are on working tax credit and ctc...I am self-employed...trying to run own business..have been for 10 months...I have no profit /loss balance sheets etc..never made any money..although business is on verge of making money and we will be both working in a month`s time...can anyone advise on what to do...I think it outragous to charge £75...considering I never received the CCJ details in the first place...this was a GC storecard..for a debt of under £300...now DCA is claiming nearly £500 ...I did cca DCA 2 weeks ago..but no answer...

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Hi, have you been sent a General Form of Order or Judgement telling you what to pay and when? Or have you been sent notice of court action?

 

Kind Regards

 

Ell-enn

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Hi Ell-enn

 

I received a letter about 3 weeks ago from a company claiming they are acting on behalf GC,they said that I had been issued a ccj at northampton ,and that I needed to make an arrangment to pay an ammount of nearly £500, I had never received any letters from nothampton CC, so I called northampton, they gave me a claim number,and said a ccj had been issued, I said I had never received anything from them, so they said they will send a n244, which I have now got, in the meantime I cca`ed the Dca, I want to dispute, fair enough I owe,did write to GC asking them to freeze the account, they said they will look at it, and then this happens, the CCJ was apparently issued in Nov 2007.

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Who's the DCA?

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi

 

the dca is h cohen

 

I have now received a cca from them via original creditor, with my signature on it...

 

they are now asking for full payment by the 11th of march with reference to the CCJ

 

I still want to do a n244...now also do I ask for S.A.R...either from the DCA or the original creditor...?

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  • 2 weeks later...

Hi ...anyone help

 

regarding this thread

I had a gec storecard

 

got into difficulties last year...asked for a freeze on account...but unknown to me I was ccj`d in late november...out of blue in January, I received a letter from cohen/re cl finance regarding CCJ

 

First of all ...got in touch in with court...got a n244 which I`m about to submit anytime now...in the meantime...cca`d cohen...and yes ...CCA came back with my signature...then I cpred them...as I`m willing to pay the debt...but not the scandalous charges...as I now want a S.A.R - (Subject Access Request) from someone regarding the charges...do I send S.A.R - (Subject Access Request) to GEC For my defence...or SAR cohen...if I S.A.R - (Subject Access Request) GEC ...Is there a letter I can send Cohen in the meantime to let them know I will be defending against outrageous charges in court...?

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Hi, Myalterego,

 

Did the CCA they send have all the 'prescribed terms', i.e, credit limit, interest rate, repayment terms? If it doesn't you will have a better chance of defending against the ccj. If you're not sure, you can scan it and put it in a post with all personal details blacked out - someone can then advise you if it is enforceable.

 

I would get your n244 application sorted asap. Even if the agreement is enforceable, the default notice would have been invalid as it would have contained charges in the figures.

 

I had to do the same n244 when Incasso solicitors got a ccj for £8000. As soon as I put in my application to set aside judgement, they folded and issued a Notice of Discontinuance!

 

Cheers, BAE :)

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Hi, Myalterego,

 

Did the CCA they send have all the 'prescribed terms', i.e, credit limit, interest rate, repayment terms? If it doesn't you will have a better chance of defending against the ccj. If you're not sure, you can scan it and put it in a post with all personal details blacked out - someone can then advise you if it is enforceable.

 

I would get your n244 application sorted asap. Even if the agreement is enforceable, the default notice would have been invalid as it would have contained charges in the figures.

 

I had to do the same n244 when Incasso solicitors got a ccj for £8000. As soon as I put in my application to set aside judgement, they folded and issued a Notice of Discontinuance!

 

Cheers, BAE :)

 

 

Blossom...thanks for that

 

So when I submit my n244 tomorrow...do I also S.A.R GEC...as I want to know where the extra charges have come from...?

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Hi there, if you need any help with the wording (especially part C )of your N244 let me know.

 

Kind Regards

 

Ell-enn

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Hi there, if you need any help with the wording (especially part C )of your N244 let me know.

 

Kind Regards

 

Ell-enn

 

 

Thanks Ell-enn

 

But confused on who to S.A.R.

 

And do I need to write to cohen, lettng them know the account is in dispute...did CPR them, but got the bog-standard reply

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Hi there, I would imagine the majority of charges will have been put on by GE, late payment chgs etc. However, the amount H Cohen are asking you to pay will include court costs. I would SAR GE first of all. No need to write to Cohen, when you enter your N244 at court, they will soon know about it.

 

Do you have a copy of the letter you sent to GE asking them to freeze the interest on you account?

 

If you need any further help with N244, please let me know.

 

Kind Regards

 

Ell-enn

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Hi there, I would imagine the majority of charges will have been put on by GE, late payment chgs etc. However, the amount H Cohen are asking you to pay will include court costs. I would S.A.R - (Subject Access Request) GE first of all. No need to write to Cohen, when you enter your N244 at court, they will soon know about it.

 

Do you have a copy of the letter you sent to GE asking them to freeze the interest on you account?

 

If you need any further help with N244, please let me know.

 

Kind Regards

 

Ell-enn

 

 

Thanks Ell-enn

 

will S.A.R GE

 

The amount of credit was only £300 , but what cohen are demanding is nearer £600

 

I do have the original interest freeze letter

 

Thanks for your help

 

I have managed to beat away 2 other DCA`s on the CCA no show regarding two other debts with help from this site

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