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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
        • Like

Campaign to the OFT against unfair CRA practices.


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keep at people;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Petition Signed

 

Only 62 Names on the list? We must be able to do better than that, surely???

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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well pass the word on... get everyone you can

  • Haha 1

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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I'm on the list - or should be twice, once for Cap1 and once for Mackenzie Hall who are chasing an unknown alleged debt... they sent one of those payslip/pin letters from Patrick Stewart.. I think they must be Star Trek Fans.

 

Letters going out AGAIN to them tomorrow and to the OFT who their Trading Standards passed me on to..

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Good morning all, Mrs Z here :)

 

We have this morning received a response back from the OFT re the CRA mass complaint, so will be signing the "Permission to Disclose Complaint" and getting it off in the post asap.

 

The more people that complain and sign the petition, hopefully the OFT will be forced into taking action.

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Petition signed.

 

Letter coming off the printer now - will be posted 1st class this weekend.

 

Please don't be downhearted, finlander. You ARE doing a great job!

Victimnomore

By day, quiet unassuming bank customer - but, by night, .. .. .. .. ..

Barclays Case1

14/03/07 **WON** FULL settlement £3358.39

Barclays Case2

08/09/08 Prelim: please give me my £187.91 back.

Halifax Case1

14/03/07 **WON** Refunded £728 (including £54 costs)

Halifax Case2

08/09/08 Prelim: please give me my £268.24 back.

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Sorry for delay, signed the Petition but have only now got around to sending off the Letter to The Office of Fair Trading...but a few more Letters now on their way, as have circulated the Letter amongst friends and family.

 

I made a couple of minor changes, mainly adding a final additional paragraph:

 

My own recommendation is that Default Markers should be time-limited, and should be deleted within a set period after issue if no Court action has been instigated. Furthermore, repeat Default Notices should not be allowed on the same Account, to deter further abuse of their true intention.

 

Cheers,

BRW

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keep it up people.... sounds like the OFT are getting interested......

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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keep it up people.... sounds like the OFT are getting interested......

 

It's thanks to people like you Finlander (mornin by the way :p) all kinds of changes are going on within the Credit industry. You just need to scroll though some of these stories to see what is happening and it's by no means not least as a result of the collective hammering given by people on here to these companies and organisations...as you say, " keep it up folks " and well done..

 

Credit Today online

 

 

Sarah

ps..what the ** are we up at this hour for on here ? :D

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  • 3 weeks later...

Hi jo

The letter in post 88 is te one advised to send

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

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Sent...and auto aknowledged:

 

"Thank you for your email to the Office of Fair Trading (OFT).

Unless your email concerns a [problem], we will usually respond to standard enquiries within 10 working days".

 

lets hope this isn't a [problem] else theres no knowing how long it could take for a response!

People who haven't made mistakes, haven't made anything!

 

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  • 3 weeks later...
I also think that as we have no choice but for the CRA's to hold our info, we should not be forced to pay for access to it - their fees should come from the profits they make selling access to it.

 

This is presumably covered elswehere but why do we have no choice? What gives them any right to hold any of our personal info without our permission unless that info is already in the public domain?

Halifax (current accounts, credit card, old mortgage, secured loan)

thread here

 

MBNA (three credit cards)

thread here

firstdirect (a current account, two mortgage accounts, old loans, old credit card)

they've sold my current account. thread here.

 

Royal Mail

Claim issued by former employer Royal Mail, thread here.

I counterclaimed and won. They paid in full.

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This is presumably covered elswehere but why do we have no choice? What gives them any right to hold any of our personal info without our permission unless that info is already in the public domain?

 

Hi mfpa - this has bugged me for a while. I understand that if you sign an agreement with the section on sharing your data with the CRA's etc - ok, I get that.

 

What I don't get is where the hell did the CRA's get any permission to then use that data for marketing, profiling, selling and all the other interesting things they use my data for? When I sign up to see my credit file there may very well be a clause in their T&C's stating this (though I cannot find it) - but what about BEFORE i ask to see my file?

 

They hold a credit file on you - which is all you agree to on your loan or whatever agreement - when is all the rest that they make a fortune from agreed?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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I have today received my response!!! which was what I had expected:(

 

 

 

Thank you for your email to the Office of Fair Trading (OFT). Your complaint has been logged for our records and will add to our understanding of this UK market.

 

 

 

The Office of Fair Trading (OFT) cannot usually take action on cases brought to us by individual consumers. Our primary duties include the enforcement of competition law, the regulation of the consumer credit market through a licensing system and the application of consumer protection legislation in respect of matters that adversely affect the collective interests of UK consumers.

 

 

 

The OFT can also investigate markets that do not appear to be working well for consumers and complaints or information received may be forwarded to one of our market investigation teams for their further consideration.

 

 

 

For more information on the work we carry out, please feel free to visit our website at The Office of Fair Trading: making markets work well for consumers

 

 

 

You may wish to contact The Information Commissioner’s Office. The Information Commissioner enforces and oversees the Data Protection Act 1998 and the Freedom of Information Act 2000. The Information Commissioner's Office also handles queries on information held by credit reference agencies. They can be contacted at:

 

 

 

The Information Commissioner's Office

Wycliffe House

Water Lane

Wilmslow

Cheshire SK9 5AF

 

Tel: 01625 545 745

Fax: 01625 524 510

 

 

 

I hope this information proves helpful to you.

 

 

 

AC

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