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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
      • 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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Help what do i do HFO are stressing me out!


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The only notification from HFO is the 2 mobile phone contracts, I have spoken with 3 who tell me the accounts where closed in 2005 yet I have letters from 3 saying HFO now own the debts as of the 12th May 2008.

 

Were the accounts closed in 2005 with an outstanding balance ? If so, then they won't be statute-barred. If HFO have bought these debts from 3, then they cannot add any of their own "fantasy charges" to the balances... although they'll probably try.

 

You need something in writing from 3 to confirm the true amount outstanding... and then arrange to pay this off to HFO, based on what you can afford and nothing more. Deduct any of their silly charges from it first though.

 

As you haven't entered into any contract with HFO, then they have no right to default you. Raise this issue with the Information Commissioners Office as part of your complaint to them and advise HFO accordingly. At the same time, ask HFO to clarify upon which law their decision to default you/mark your credit file, has relied upon.

 

Yes Loans are crap they said they were sending info out I have recieved nothing!

 

:)

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Cheers Priority One, I have been advised to pay HFO nothing as these debts are not showing upon any of my credit files like HFO claim they are the only mention of HFO anywhere upon my credit file is them repeatedly searching me. But of all three debts from HFO appear nowhere on my credit file!!!!

CCA sent Crapquest ran away...

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PS Only got 8 calls from HFO this weekend! Also looking through the HFO paperwork! One of the mobile letters looks to have come from 3 although states that as of 31 may 2007 your debt has been assigned to HFO Capital Ltd.You therefore need to pay the outstanding balance of £229.77 on your 3 mobile account exclusively to HFO Services LTd. (two different company name a bit weird) also the date on the top of the letter is 28 May 2008 surely if this was really 3 they would immediately write to me and not leave it a year)

 

Again these debts appear nowhere on my credit files not on Experian, Equifax or on Call Credit. Not a mention of them.

 

The only mention of HFO is outstanding debt searches from HFO Services Ltd on my Equifax report, HFO have clearly stated on more than one occasion that these debts appear on Equifax Experian and on Call Credit, I think again this is them trying to scaring me into paying. The letter itself is looking like it has been cut and pasted together as the 3 symbal is the wrong colour and the small print is blurred!

CCA sent Crapquest ran away...

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