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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
      • 160 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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Swift Advances. Secured Loan Charges reclaim


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Sparkie that is nothing short of brilliant and we can all only imagine the hours of work and effort that have gone into it. I cannot believe they will actually let that go before the court but if they do I wish you all the best.

Go get em!!!!!!

G

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This is the commission that everyone pays for on top of their brokers fees

 

This is another document that is concealed from the Borrower as it it never disclosed in an SAR to Swift as I said I am posting one document a day 44CommissionJoe.jpg

Edited by Sparkie1723
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They won't go to court with that!

 

Oh I have no doubt they will ...but whatever they do they will have to stand up to a big fight........they are fighting for the greed of money ....I am fighting for my home.and against what I believe perjury, contempt of Court and flouting of all that is reasonable and moral, for myself and everyone else who have suffered at the hands of these people

 

sparkie

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Excellent work on the defence Sparkie - very well done:D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Excellent work on the defence Sparkie - very well done:D

 

 

Thanks landy and everyone else for the comments I only had 2 weeks to put that together .........they filed at the last minute............ if they had not filed they would never have been able to file again after the 18th Dec, they would have been out in the cold.....But their accounts will let them down and I will work them in, in my Defence amendment for the full hearing that a learned person has advised me to file in the HIgh Court and obtain high financed legal Assistance....I'm not saying who he is or what he WAS but knows a lot about Courts and Judges .I leave it up to you all to guess what he was. He is retired now.......but as Blackie says he is having a word with a silk over the next few days.

 

sparkie

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Hi Sparkie

I've just printed your defence off, I'm going to pour myself a big glass of white wine and curl up on the sofa and enjoy every single word of it I'm sure. Count down for next week . . . thinking of you.

All the best, as ever SJ ;)

 

Oh that sounds like a great idea SJ - can you pour one for me please:D

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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You're on Landy, hopefully one day soon we'll have a big old Meet for Swift caggers and there'll be bubbles in the wine!!! :D

 

Now that sounds like an even better idea SJ and the way Sparkie's going I don't think that day's too far off;)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Question?

As we now know for certain that Swift sold/transferred Swift our loans account to the Kestrel Loans companies, how could Swift increase their interest rate 3 times "To cover the cost of their borrowing" when they had "transferred the borrowers account to Kestrel No 1" ???

This is another question for everyone to ask.

 

Mr Webster has attempted to say is that they transferred just the equity of the loans :wink::grin: Everyone knows my argument on that................No bank would lend such amounts of money the Kestrel companies borrowed JUST on Equity ............as they only lend a maximum of 66%.of Equity value, Kestrel would not have had enough without the Title deed..............BUT they went and borrowed twice on the same day from two different banks...........so they had to have had the Title transferred even if Barclays said they could ...........which I doubt it.

 

If they have Title then yhe Title would have had to be changed in favour of Kestrel and every ones title is incorrectly registered with the Land Registry.

 

Swift will face all these questions

 

The point here is the interest increases for everyone ..........if Kestrel run the accounts which we know they do ....you should have been told by Kestrel about the interest rate rises because they borrowed the money to buy these loans off Swift.............................Swift are ncreasing interest illegally and fraudulently........This is just added stuff for my next hearing Defence and part 20 Counter Claim.

 

Just letting sparkle know what I know.

 

 

sparkie

Edited by Sparkie1723
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A few things:.....

 

1. You didn't pass this by teacher before publishing did you? :mad:

 

2. I've seen some Swift letters which state categorically that the increase in interest was based upon Bank of England base rates - never reduced.

 

3. If Kestrel Own the loans and Swift increased the rates....trouble for Swift.

 

4. It has been established that their Mr Webster says they don't securitise and that's in writing, so, no securitisation - no equitable assignment...so why sell it to Kestrel Loans at all - unless of course, you want loadsa money using the same loan portfolio that you got Barclays to give you loadsa money for....Oh, and while they're in practice why not go do the same with Kestrel Loans No 3 too...and No 2 for good measure? Maybe they'll tell the Judge that too ?

 

5. "I see sparkle is back .........Swift must pay that person some money to keep on snooping and sniffing .why don't you tell us your name."

 

5a. We don't need them to - ;):p - walls have ears and you don't have as many friends as you think you have sparkle! :D

 

Night night sp.......?

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my goodness Sparkie look what I missed today just back jetlagged but as we were heading over the white cliffs of Dover we had to divert there was a swarm of wee birdies heading towards us was about quitting time 5 30ish lol

pick up a penquin two systems for the price of one:?:

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my goodness Sparkie look what I missed today just back jetlagged but as we were heading over the white cliffs of Dover we had to divert there was a swarm of wee birdies heading towards us was about quitting time 5 30ish lol

 

 

I see the flight investigator is back again, checking on the bird colonies!!!:D:D:D

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The kestrel, most widespread and often most abundant of European birds of prey

 

will have to chance the dictionary matie

 

they are the birds to pay you say

 

That's right pkelly you pay Kestrels ...NOT Swifts, swifts can't get at the bird table if a kestrel is sitting there!!;)

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