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    • thought your story rang a bell. https://www.consumeractiongroup.co.uk/topic/416315-knightsbridgecreditfix-iva-treated-me-very-badly-thinking-of-bk-now-help/ you vanished and never cameback. dx  
    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
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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 
      • 81 replies
    • 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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I need help urgently please!!!


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I broke up with my husband before Xmas. He took it badly and was sectioned. We have shed loads of debt and I got behind in payments cos he was off work and didn't get paid. He's back at work now, but I can't seem to get straight. I'm currently in arrears with Barclaycard, Lloyds TSB card, Debenhams and First Plus. I've managed to sort First Plus, they're being ok, although they got a debt collection agency involved. I think Barclaycard have just got a debt collection agency involved, but Debs and lloyds haven't yet. What can I do?? I've never been in this situation before. As soon as I sell the house, it'll all be ok, but obviously, the market the way it is, it's taking some time. Any help or advice I can get will be great. Also, I'm getting charged bank charges for refused direct debits etc.

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Sorry to hear about your situation :( Although I cannot offer any advice as I am in a similar situation with debt and not knowing what to do, I can tell you that you have come to the right place and people here will help you enormously.

 

Whilst waiting for someone to help, you may want to spend some time looking through various threads on this forum and doing some searches on keywords relevant to your situation, as a lot of good information can be found that way.

 

Try not to worry too much, you are not alone!

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Sljcats,

 

Sorry to hear about your problems.

 

First of all you need to WRITE and inform each of the lenders of your circumstances, explain in detail to them.

 

Make an offer to each lender what you can afford, most likely they'll request more than you offer, but you can't pay what you simply haven't got, so make sure you explain to them that the amount your offering is the most that you are able to afford.

 

Regarding your bank charges, you may be able to claim them back if the charges are unlawful.

 

Don't mention you are selling your house though.

Edited by Hobbie

Thanks

- Hobbie

 

--------------------------------------------------------

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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Hobbie, please edit you post to change the word to "unlawful". I know it might seem like nitpicking, but using the word that you did, hasn't been proved, hence the legal challenge through the courts at the moment. Thanks

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SLJCATS

 

Sorry to hear of your dilemma, but as Bubb has said you have definately found the correct website here. We are all in some kind of financial situation or have knowledge of debt etc so be patient and someone will help you.

 

From the other threads and forums I understand that you are best not to speak to any creditor on the phone, simply request they put everything in writing however pressurised they may be.

 

I am speaking from personal debt experience and would recommend that you always open your mail and try to deal with things in writing and promptly.

 

Have you tried one of the free charities out there who specialise in these case such as the CCCS or National Debt Helpline even the CAB? It may be worth a call just to put yopur mind at rest.

 

Also why are you selling the house? is it to clear unsecured debt or can you simply not afford it any more?

 

Dont stress, there will be someone who can help.

 

 

Shelbelle

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Indeed, my mistake.

 

Maybe I was jumping the gun a little ;)

Thanks

- Hobbie

 

--------------------------------------------------------

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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Wow!! Thanks for the swift responses. I'm selling the house as I can't afford it anymore. I'm not living there anyway, I'm living with my mum. But he's still living there.

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