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    • Thanks dx, with link having multiple accounts for me, I didn’t want to be a pushover in the first one ideally.. hearing is 3rd June, WS’s to be exchanged by 6th may 
    • he may be using a different name but cars and vans/vans and cars it’s all the same Gerard Bird/Gerry Bird/G Bird aka Gurdip Singh Virdi He is still doing the same thing, operating from the same premises at 101a Longford, I’m guessing during Covid they got the great idea to rip people off remotely and charge people for the pleasure. they now deliver cars that are shocking quality and refuse to even accept the issues you find. Then Gaslight you into thinking your the problem and call you an idiot for buying a used car instead of a new one. Buyers beware this thread is vitally important     
    • Changes to China's state secrets law requires internet firms to monitor information shared by users.View the full article
    • The only way to verify whether there is any financial reward for the management is seeing the agreement. That would be required during disclosure IF court proceedings went ahead... Unless you could bring pressure to bear and get a copy?
    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
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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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Swift Advances. Secured Loan Charges reclaim


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Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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There is a CAG meet in Birmingham on 21st September. Hope Swiftys on CAG site can make it.

If you go then, you will be one month too late.

If my post helped you feel better, click my scales.

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Morning all,

 

Just a short note to sorry - sorry but I'm in Sussex and it's too far for me. I wish everyone all the best though and hope it goes very well.

 

Sad that I can't be there.....:(

 

As always

 

 

Dougal

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There is a CAG meet in Birmingham on 21st September. Hope Swiftys on CAG site can make it.

sorry but in N Ireland would love to have been there. if things are going the way they are though we might make it for a big party.

the revolution is getting bigger folks and all thanks to CAG

TIME THE WORKING MAN FOUGHT BACK

 

“The greatest revolution of our generation is the discovery that human beings, by changing the inner attitudes of their minds, can change the outer aspects of their lives”

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

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Hi,

I'm the same as pkelly, .... live in the land of the leprechauns.

Maybe we could start up the Emerald Isle Swift appreciation society.:)

 

........

 

 

I think you may get ' bogged ' down with responses :grin: ( sorry - tasteless!)

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Good evening,

I agree it is time the working man fought back and reclaimed what is rightfully his that has been unlawfully taken from him!!

 

Great idea, web conferencing - must get out my Kodak Brownie.....:lol:

 

All the best to everyone as always

 

Dougal

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Good evening,

I agree it is time the working man fought back and reclaimed what is rightfully his that has been unlawfully taken from him!!

 

Great idea, web conferencing - must get out my Kodak Brownie.....:lol:

 

All the best to everyone as always

 

Dougal

 

Blimey Dougal - kodak Brownie - that brings back memories! :D

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

 

Hi sweetjane

I specificly requested one in SAR.....still never got one.

 

sparkie

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

Yes, I got one ages ago when I settled the loan selling my home. I had to ask them for it. Post 26, Page 2. Mind you, in the three and a half years of the mortgage, they never gave me an annual one.

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Hi, In Feb 2009 I took Swift to court and won a time order and today i went back and have won a temporary reduction in interest rates despite swift claiming all sorts of poverty.

I am considering revisiting court to recover charges they have piled on my account as my opinion is that if they had helped me in the firts place I wouldn't have incurred charges. To apply for a time order you must get a default letter which means missing two payments. Swift's contract seems geared to deter anyone from applying for a time order by applying these charges at the default letter point.

Wish me luck

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Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

 

I think you refer to a record of payments ...which is completely different than a statement of account.....which is all we get.....we never get a statement of account

 

sparkie

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