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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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red debt collection service letter


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Hi everyone!

Hope that some will help me with this issue.

I received a letter form Red Debt Collection services and i have no idea what to do??!!Can someone give my some tips how to deal with it.

The letter states

"reference no.XXXX

Original creditor T mobile

Balance outstanding 250.47

 

header Pre Litigation Department

 

Our agent has failed to make contact with you(nobody have never ever try to contact me)and now as a requirement we must inform you that 7 days from the date of this letter(18/07 and i received the letter on the 23/07) we inted to instruct our Legal Department to review your account.

This may involve commencing legal action against you applying to the Court for a Judgement to be registered against you.If this is successfully obtained from the Court,dependent on your circumstances we may then apply to the Court for an order to enforce the Judgement without further notice to you.

 

If the court grants enforcement of the judgement we could look to

 

1.Instruct bailiff who may thene remove goods from your premises should the debt not be paid

2.Deduct via attachment of earnings directly form your employer

3.Obtain a charge against your property

4.Obtain payments directly from your bank account via third party debt order

5.Request your attendance at court for examination of your financial means

 

..."

 

Then they ask to contact them by phone to resolve that matter.

 

Please ,can anybody tell me what shall i do.I would be very grateful.THX

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Don't phone them. If you are able to offer monthly payments to clear the outstanding amount in a reasonable time, then write to them with your offer. If they were to take you to court, the judge would compel them to accept what you can afford, nothing more.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

A to Z index

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

...........................................................................

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Red are the "legal team" (lol) for Lowell Portfolio. I have received loads of letters from Red threatening to take me to court/petition bankruptcy etc etc....nothing has ever happened!

 

Take them seriously though just in case.

 

Send the orginal creditor a CCA request (costs £1) to obtain a signed credit agreement first.

 

Arrange a payment that you can afford and stick to it.

 

If they do take you to court the judge will set an amount for you to pay what you can afford. It's only if you default on that payment that Red/Lowell can get bailiffs/attachment of earnings and not before.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Do not speak to them on the phone!!!

 

Write them a letter telling them that it is your legal right to only communicate with them via post, and ask them to respect this right. Also ask them if they bought the debt or work for tmobile, if they bought it offer them less than you owe. You may also wish to check with tmobile how much you originally owed (sar request). DCA`s are just out to scare people. When they threaten court action it is usually an empty threat or at the very least they will continue to send you threatening letters for months before taking you to court. Work out what you can afford to pay, make an offer in writing and tell them that you make the offer in line with the scale the court uses. Give them no more information, if they refuse make the payments anyway. Its a small amount and only for a mobile phone bill, do not pay more than you can afford, and dont worry about these people they are ****.

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  • 1 month later...

Hi there!

I sent an S.A.R. with 10 pounds payment to T-mobile UK about 3 weeks ago and so far i haven't received any respons.I'm getting worry whether everything is ok or not.As far as I'm concerned they have 40 days to reply so there is still some time but on the other hand i would though that they would like to solve this matter as quick as possible because it's their money.Any suggestions?? thx

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