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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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Fuzzybobble vs Bryan Carter (let the fuzzybobbling commence) ;o)


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At long last Bryan Carter has sent me a threat-o-gram.

 

Here's a scan of his feeble attempt to intimidate me. :p

 

bryancarterletter1.jpg

 

 

Oh well, 3 days to go before he starts court action against me.

Does he really think the bit I hilighted in red will make any difference?

 

I'm wondering if this is against the solicitors regulations, to try and get me to dispute a debt before he starts legal proceedings.

Surely he should be checking he has the correct documents and an enforceable agreement himself before going the court route?

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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bcarter-1.jpg

 

This is Bryan Carter.

Prepare to be Fuzzybobbled good and proper Bryan.

 

bcarter-1.jpg

 

You won't be smiling for much longer. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Oh I can't wait to hear about this. Keep us updated

 

Oh I will. :D:D Every step of the way.

 

I started this thread as I'll need a bit of help with the court defence things & wasted costs order thingies.

 

Also I think the finished thread will be useful to any peeps who have future dealings with Bryan. I also intend to carry on the thread with how to complain about him to the appropiate authorties. ;)

  • Haha 1

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Do you think we may have some em... telephonic evidence??? I do hope so....

 

I will be calling once I have my cheque for costs. ;)

 

and sending Byan a card I made on Moonpig, just to rub it in a bit.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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That letter is very amateur looking!

 

I love the bit at the end where he threatens to show the letter to the judge if I don't dispute the debt before he goes for a part claim for costs.

 

I have a feeling he'll drop the claim like a hot potatoe once my CPR request arrives.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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what is a cpr request?

 

 

REQUEST FOR INFORMATION UNDER THE CIVIL PROCEDURE RULES.

 

When a DCA files a court claim against you, you then have a right to request documentation from them in order to file your defence against the claim.

If they fail to provide the information you requested. (ie a CCA ;)) then you can apply to have the claim struck out.

Usually with Bryan Carter, as soon as he realises that you're aware of your rights and they then find out there is no CCA, he discontinues the claim.

You're then free to claim wasted costs against them, for your time/letters, etc. (usually around the £200-250 mark, depending on how much work you put into defending the claim.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Yes, and it's a perfectly legitimate comment as it it can be seen as an attempt to avoid unnecessary court action.

 

 

 

No, why should it be? See above.

 

 

 

Yes he should, but you're very well aware that he is far from being alone in doing this.

 

 

I would respectfully suggest that you dispute the matter if you have grounds. Is the credit agreement compliant? Have you even requested a copy?

 

I phoned Fredericksons and disputed the debt. (tried to pay using a christmas card.) I still have the original recording of this + the time and date it was made.

 

There is no CCA for the account. Both Argos and Moocroft have failed to provide a CCA before Frederickson's and Bryan Carter got hold of it.

 

Maybe I should send the prove it letter to Bryan Carter, and hope they do the usual trick of ignoring the letter?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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He won't be.

 

I hate to say this but as far as he's concerned you're just another turd in the sewer of life. Totally unmemorable.

 

Until he has to write out a cheque for costs. ;)

 

And when I send him my Moonpig card I designed for him, I think I'll be part of his nightmares until the day he dies.

 

(3 weeks on tuesday by the state of his photo.) :D:D:D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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FB..would you be preparred to fuzzybobble C.A.R.S for me please?

They have been getting on my wick lately & are just asking for it as far as im concerned :mad:

 

Is that Creditlink Account Recovery Services?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Yes...I was called a this,that & the other by them on the phone & they said things like "Oh you think its ok to not repay your debts" etc....

They are truely dreadful/abusive & made Muck Hall sound polite.

I gave as good as i got with them..no probs there - but they have made the wrong enemy in me now & through this forum, i will not let up on them from now onwards :mad:

 

I had a run in with them last year, when Talk Talk, tried to hit my mate with a £500 early disconnection fee and a bill for calls that BT had already charged for.

One snotty letter to them, and one to OFCOM about disproportionate penalty fees and they went quiet, never to be heard from again.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I'm looking forward to when others start recording daft calls to DCA's. :D

 

Ok an update with the Bryan Carter story.

 

I called them on saturday morning. Disputed the debt, recorded the call and insisted that the phone jockey made a note on the "system". I also insisted that they confirm this in writing to me as soon as possible, which he said would be sent out to me on monday. I even said I had sent Moorcroft a letter asking for more information about the account as I knew nothing about it. Note, I never mentioned the words "I made a CCA request." ;)

 

Then I'll just ignore them until Bryan sends his court claim to me.

 

Anyone know what time frames Bryan works to these days? Does he drag it out for months, or does he work his magic in a few weeks.

 

I've tried to do everything with them in such a way, and avoid using CAG template letters. I want them to think I'm a total novice at this, so Bryan will think he has an easy kill. Until I send the CPR and Defence letters, that is. :grin:

 

Dealing with BC is a bit like fighting a battle. Play your cards close to your chest. Give them as little info as you possibly can. Lull them into a false sense of security, and hit them as hard as you possibly can, when they're least expecting it. Once you've won. Keep stapping their battered corpse, by complaining to the OFT, TS, and anyone who will listen. Also claim costs too. For all the time you spend on here "researching" consumer law. ;-)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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  • 4 weeks later...

It's looking like Bryan can't afford to start legal action against me.

 

But having thought about it, and not trusting a DCA at all....

 

Going to check my credit file to see if anyone from Frederickson's has checked my file. If they have it could mean they've sent the paperwork to my old address. I believe this is one of his tactics to get judgement by default. :rolleyes:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Just send a copy of the letter and then tell Bryan Carter to take a running jump. ;)

 

Also ask if he's bottled out trying it on with me too. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Share on other sites

It's not fair. I want a costs cheque off Bryan for xmas too. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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you'll only spend it on a liquid nitrogen cooling system for your new processor :eek:

1844028261

 

It has a nice copper heatsink with 4 heatpipes and some artic silver compound. Also a nice 120mm fan to blow air through it, and ducted out the other side. The CPU never sees any hot air from inside the case at all.

Been seeing how far I can overclock it before it gets unstable.

 

Good results so far, and temp is holding at around 40c even under 80% load.

 

 

Bryan's cheque is going to get me a nice 250mw green DPSS laser module. :-)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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  • 3 weeks later...

Nope, not heard a peep out of him for 7 weeks now.

 

He's probably sent court papers to where I lived 7 years ago lol.

If he has, then all the more costs I can claim. Having CCJ set aside then screwing him for an unenforceable debt. Could work out nice and expensive for him if he does. :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Share on other sites

  • 2 weeks later...

I was right. Bryan Carter has bottled out of my challenge. :evil:

 

Got a letter from JB Debt recovery for the Argos account now.

 

I think now the account has gone through 5 DCA's now, and none of them and Argos have produced anything.

Time to maybe take Argos to court for harassment now?

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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well a fuzzy style get lost letter should help them.

 

A fuzzy style xmas card with his threatograms inside, should go down a treat. :D Sent with a few lead weights and no stamps on the package.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Don't forget you can get lead weights very cheaply at fishing shops... (don't ask - I do a lot of crafts and fishing weights come in very handy, as do all the line tying stuff)

 

Why not one of those cards that makes a very rude noise when opened, (I think I know a good craft shop where you can get those....)

 

My cat used her litter tray a few mins ago.

Off down the shop for some rubber gloves with some evil ideas spinning around in my head. ;)

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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After the first Gulf War I remember seeing, in a joke shop in the West End, a loo roll - every sheet had a picture of Saddam Hussein printed on it. Perhaps that would be a good seller for the CAG - Bryan Carter bog roll. I reckon it would make a mint.

 

Fred

 

 

:D:D:D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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