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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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How thick do you need to be to work for a DCA?


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I just sent the "harassment by phone" template letter to Eversheds.

 

(They are a DCA pretending to be a firm of solicitors that have never heard of the Consumer Credit Act, for those who haven't heard of them.)

 

Even did the "Harrasment by Telephone" letter heading in 24 point red font + hilighted the main points of the letter in bold. How much more clear can it be, unless turning up in person naked with the letter?

 

3 days later they reply with...

 

"We refer to the above and confirm receipt of your recent correspondence, the contents of which have been noted. Be advised that it is important that you contact our offices on the above number in order to disccuss your account."

 

Then in bold underneath, "It is important that we recieve your call."

 

How thick do you really, really, need to be to get a job at a DCA?

Seems to me they won't employ worms or bumble bees, so anything resembling a human will suffice.

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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I think they'd employ amoebas if they could find a way for a single celled organism to wear a call centre headset.

 

Next time I write to Eversheds, I'll use crayons, and no more than 2 syllables per word. Then they might understand at least a few of the points I raise in my letters to them.

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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It might look something like this...............

 

 

 

 

 

 

 

 

 

42d6002b.jpg

Hello, This is "Amoeba Debt Colletors".

Can you answer some security questions

for me?

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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You're welcome, a bit of stress relief and a few things that make

you smile on here help make the research fun.

 

Good luck with the stat demand set aside. :)

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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My Excuse is this..........

Just went on google image search, found an amoeba photo and added a few bits using Paint (free painting program that comes with windows.)

then uploaded it to photobucket and posted it on here.

 

Glad you liked it. :D

 

Dunno about FLWLSW's pic. Now that has got me curious for an explaination for that one. I think it's a pic of peeps from Stoke on Trent on a night out. (I know I've been there.)

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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And the supervisor of these fine outstanding

members of society??????

 

 

 

 

monkeygunning.jpg

 

 

 

 

 

 

And what happens when a DCA gets too many CAG members ringing them in the same day..................

 

 

 

 

 

 

 

 

 

Icansmellwee.jpg

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

Link to post
Share on other sites

sign up for an account on Image hosting, free photo sharing & video sharing at Photobucket

upload your pics on to it.

then on phobucket click the img link under the photo

and it copies the link.

then when you reply to a thread click "paste"

and it will copy the link to the pic on your photobucket

account into your reply.

Don't be afraid to ask if you need more help with this. :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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then you end up with something slightly more useful than this....

gingerbread_man_walking_md_wht.gifgingerbread_man_walking_md_wht.gifgingerbread_man_walking_md_wht.gifgingerbread_man_walking_md_wht.gif

  • Haha 1

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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Share on other sites

The more peeps who try and help others on here the better.

As Tesco would say, "Every little helps."

 

I learnt a lot on here, so is only fair I try and help too.

So many times I see a post where someone needs help

and no replys after 6 hours.

 

When you're scared and intimidated with a DCA threat

of court action, you'd be checking every half hour. (I was)

So the sooner someone replies the better, even if it's

just a message of support and reassurance that someone

with the knowledge you need will be along soon to help.

 

And if sometimes someone posts something that makes you

smile and realise life's not so bad after all, then all the better.

 

I got a job offer today after almost a year of being unemployed.

I had 8 DCA's hassling me and 5 hassling my girlfriend. So my first weeks wages will be donated to the CAG for all the help everyone here has given me and my girlfriend over the last 12 months.

  • Haha 3

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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Share on other sites

awww.

Thanks for your kind words of support and pics.

Is it too much to ask for a decent world where decent and honest people come out on top for a change?

I have the feeling the CAG is the seed for a much needed change.

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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Indeed FB of the two green blobby things:D. Many more to come I am sure. It is wonderful to get out of your own absolutely cr*p situation as I did with CAG's help (18 months ago I was about to go bankrupt) and then even more wonderful to have gained enough knowledge to help others in similar situations.

 

Loved the piccys - we all need to have a laugh and get back to reality - err what is that exactly:confused:

 

EEK I got two green blobby things......oooooh F%$£&^K.........lol

 

But onto more important things......

 

Not sure what reality is to be honest.

it's deffo not reality tv, media crap,and news at ten lol. But to have a laugh on here and to make new friends who we'll probably never meet in person, It's nothing but good. Decent people fighting back as a group, and one day we will make a difference. I know we will. We're bigger and better than they wil ever be. Why? We're their customers and now they're realising we have a voice and are not afraid to speak out. The banks and DCA's are now running scared and the more who know about CAG the better. The revolution is coming, and fast, and they know it. They're scared (passes around the spare underwear). And I love it. As wolfie Smith said in the 70's "Power to the people." and 30 years later it's finally happening. :D :D :D :D

  • Haha 1

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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Share on other sites

Hee hee, the Bear Garden where all good posts go to die.

Let's face it, if your post ends up here, then it's game over lol.

 

Oh well, it was fun while it lasted and I got my two

green blobby things from the thread making peeps

smile in the face of adversity. :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

Link to post
Share on other sites

You must admit Rory, this thread IS funny :p

 

We`ll have a teddy bear`s picnic at the Bear Garden.

 

 

N.P

 

I've had loads of positive comments by people reading this thread when it was in the Debt section. Most people who come on here are scared and depressed, and when they stumble on the occasional slightly off topic thread that makes them laugh or smile, then it makes them realise that it's not so bad after all, as they can see others here making light of a bad situation and playing the DCA's at their own games.

I have to agree that mentioning dca's by name could cause problems, and some posts were removed because of this. But the Bear Garden is in the Bank charges section of the forum and as a result, doesn't seem to get read by many in the debt forums.

 

Any chance we could have a section for off topic posts in the Debt forums? Then us evil debtors can post all things to give the peeps in the Debt section a bit of fun 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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Share on other sites

I'm trying to work out what courses you two

are doing that involves being on here. ;)

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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