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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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DCA- Transcom


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Hi, in 2001 i got into difficulties, one loan was in joint names ( i was made bakrupt) so they requested my wife rmake repayments, and we did, obviously at a greatly reduced rate, but increasing every 6months.

 

then paragon took over, again payments were reviewed and increased evey few months, then transcom became involved, again payments which at the time were £100 per month were increased to what they are today £300, in all the time my wife startyed paying we have never missed a single payment even to transcom.

 

last month they asked us to pay via standing order which we did, on line, and sent them a copy. at that call my wife paid febs payment over the phone the normal payment is made on the 27th of each month, but febs was paid on the 23rd.

 

what i have never done was asked how much we owed, or if interest could be stopped, i know very silly, but...........

 

any way after we sent them the copy of the standing order on the 25th feb 2008, i recieved a letter from transcom on the 1st march saying the following, obviously stating we have not settled the debt( to my astonishment quoted as £21,740) it goeas on to say......................

 

 

unless we receive imm payment of 271.76 and subsequent monthly payments of the same ammountour client will take steps it deems ness to secure its interest which may inc legal.

 

as stated i have been paying them £300 a month since 27/11/208 firstly by there book, and from march as they requested by s/o

 

what is going on, anyone any ideas. i appologise this is so long, i just dont understand them. :???:

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i have posted a thread tiled dca- transcom, but peoplemay not realise i need help from the title

 

sorry i may have done this the wrong way round if you can help look at the thread please

 

i thank you all

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Was your loan originally secured on your house? Have you got a copy of the credit agreement? Can you post soem more details about the original loan and the role of Paragon/transcom.

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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hi, i honestly do not know the ammount left owing, it was not secured on property,

 

it was originally with lombard for 13k over 5 years i think it had been running for 18 months b4 i started to get into difficulties, it was the only thing i had in joint names, it was b4 i got married so my partners name was diff to mine, ( on any correspondence from transcom they have the surnames the wrong way round)

 

any way it was passed to paragon and they were very fair right to the time they passed it on, except for me not sorting out balance and iinterest, but the payments were xceedingly low, £5 p.m upto 120 when it whent to transcom.

 

it jumped from £126 in 8/07 to 300 in 11/07 and as i said we have never missed a payment at anytime

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I'd find out if they can legally collect the debt. If they can't, they will just take your money and you might still have another DCA trying to collect the still increasing balance.

 

If you went bankrupt, the debt would be regarded as a 'contingent liability', that is a debt that could be proved for in your bankruptcy but where the creditor had another course open. In this case to claim against your then partner and now spouse. However, if they can't get the names correct, they may not have the legal right to collect the debt.

 

I suggest you send a CCA letter rather than a F&F offer at this stage. Not only should you get a copy of the agreement, but also receive an up to date account. You can always put the 10k in a separate account to pay later if they show they have a valid claim.

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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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there is no reason why not...

 

the cca request is to establish their legal right to collect the alleged debt, and yes put on it "i do not acknowledge this debt".

stop any further payments until they provide you with a true copy of the fully executed agreement...dont forget the £1 payment for the cca request

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Hi star4fax. It is easier if you stick to 1 thread. That way it is easier for people to keep track of your progress and to offer you the best advice.

 

I've posted the link to your original thread below:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/133430-dca-transcom.html

  • Haha 1

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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I've asked mods to merge threads so that you can get the maximum help.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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I seem to be following you around Tiglet! This 0 views malarkey is obviously working :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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thank you everyone, sending cca thursday, thank you all for giving me the confidence to start to try and get these ****** sorted,

 

will keep you informed, may need more help, but seriously thank you everyone :)

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thank you everyone, sending cca thursday, thank you all for giving me the confidence to start to try and get these ****** sorted,

 

will keep you informed, may need more help, but seriously thank you everyone :)

 

I'm glad you're gaining the fighting spirit. Keep posting your progress and shout when you're stuck.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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  • 2 weeks later...

hi everyone, just a quick update, the cca letter i sent was recieved and signed for, on the 10th march, had no calls or correspondence from them yet.

 

have a copy of the reciept from post office, so just wait now, as it is easter can any one let me know when the 12+2 is up i would have thought by the 28th ?

 

i have a standing order due to go out to them on the 27th, should i let it be paid?

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  • 2 weeks later...

hi, everyone, well the 12+2 is up, heard nothing from them at all, not even the usual call asking if we have made the payment.

 

i believe i have to wait another 30 days, is that right?, what should i do now?

or what is the next step?

 

sorry i know i seem dumb, but everyone has been so helpful, thank you.

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hi, everyone, well the 12+2 is up, heard nothing from them at all, not even the usual call asking if we have made the payment.

 

i believe i have to wait another 30 days, is that right?, what should i do now?

or what is the next step?

 

sorry i know i seem dumb, but everyone has been so helpful, thank you.

 

 

Don't apologise for asking questions, it's how we learn :)

 

You don't need to do anything. As previously posted you are entitled to withhold payment if you wish. Once the 30 calendar days have passed, if they ask you for payment after that there is a letter you can send telling them where to go.

 

If they continue to demand payment after this time without producing the agreement you can report them to Trading Standards.

 

Best wishes ;)

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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