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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
      • 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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AA99 v Capital One


AA99
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I was still in bed this morning suffering from ghastly dental surgery yesterday, when my OH answered the door to a Debitas DC. She happened to be a very smart bit of blonde hot-totty driving a silver Mercedes:???: She asked him to confirm his phone number and that's as far as they got before I started bellowing Tell her to go AWAY !:mad:

 

This was post #34 in this thread! Seen off Debitas, Power2Contact, but it is CapQuest that have come up with an original signature.......:(

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This was post #34 in this thread! Seen off Debitas, Power2Contact, but it is CapQuest that have come up with an original signature.......:(

 

AA,

 

Just because it bears your signature doesnt make it enforceable, its like almost every other C1 'agreement' on the forum.

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well if the thought of personal callers does not phase you...

 

inviting them in for a cup of tea or coffee will REALLY unsettle them

 

as you tell them you're not prepared to talk about the case BUT youre lonely and want someone to talk to about your medical problems!!

 

Excellent:D

 

It's the same idea as Derren Brown's way of stopping people sitting next to you on public transport. Don't put bags/coats etc on seats as people can ask you to move them. Instead, if someone comes up to you just give them a great big smile and pat the seat. You won't see them for dust.

 

Of course if it backfires and they do sit down you've got real problems as they're obviously a complete nut job:D

 

AA - I agree with beachy; just because it has your name on it doesn't make it enforceable. It just means they know who the useless bit of paper belongs to;)

Time flies like an arrow...

Fruit flies like a banana.

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Loving it you guys:DReassuring you're out there:D

 

However, capQuest (I never know where to put the capital letter! Oh, don't tempt me) have given me till 27 June to respond to their LBA. :confused: Nicest letter wins 1st Prize :D:D:D

Edited by AA99
no signature.....???
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  • 3 months later...

2 Letters today, in the same envelope:shock:, from Crap1 giving notice of assignment to Lowell, and letter from Lowell confirming they've bought it:shock: Don't know who posted it:grin:

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I agree Ben,

 

AA99, If you now send a 'Account in Dispute' letter to Lowell's, along with a copy of Bryan Carter's letter you will find the next down in the food chain will be McHell or Red.

 

This is not about you anymore, it's a tax dodge. Who can write what off against who and write down the price they have paid for the 'dept' against tax.

 

Chin up Girl, your winning, slowly !!

 

Lex

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Please don't rush, take time to read these:-

 

 

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This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you guys :D

 

What about 40 recorded calls in 2 months:-?:-?:-?

 

Cap1 were sent in January 2009, CCA request, LBA, and rejection of paltry refund of £20-£12 charges:confused:

 

Surely an 'Account in Dispute' letter will not be strong enough, they know that already! I am happy to sue them for everything and more:mad:

 

Any takers?

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Oct 08 - Cap1 acknowledged I&E form from me with offer to repay £20p.m.

Nov 08 - Power2Contact threats

Dec 08 - FPC Debt Collectors threats

Feb 09 - Freds threats

Mar 09 - ICO advised

Apr 09 - Bryan Carter threats

Oct 09 - Lowells

 

It's a bit b*****y much isn't it:eek:

Edited by AA99
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Yes, it is a bit much, thats the nature of the beast.

 

Now Bryan Carter is out of the frame, this is down to the Leeds lot, until it is past back to Cap1. They will pass it from desk to desk (after all, their all in the same office) hoping you will pay up, and as they become more desperate, so their threats will increase.

 

Ben, if your still about, what do you think ??

 

Lex

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HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would go with Ben's call, every time. He's my hero as far as DCA's are involved. In particular, now this lot are involved.

 

Lex.

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HERE and use the search option for all your searches. CAG earns a few pennies every time !!!

 

Please don't rush, take time to read these:-

 

 

&

 

 

This is always worth referring to

 

 

 

 

 

Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I would go with Ben's call, every time. He's my hero as far as DCA's are involved. In particular, now this lot are involved.

 

Lex.

 

I'll 2nd that :D

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Hi AA99,

Received the same 2xletters in one envelope today as well.

What got me confused though, was they said they sold it to Lowells in January but in May I had Capquest chasing me for it on behalf of Cap1..

If they had sold it, why would they be instructing someone else to collect on it??...

 

Also, in their SAR response they sent me copies of 2 agreements with different dates on, none of the prescribed terms were on the front page with the signatures, but they were on the reverse of the copy.

Does this make it enforceable?

 

Am thinking the same course of action as your looking into is appropriate, what do you think?

 

Regards

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Yes GhostDebt! Both mine also state sold on 10 Jan 09 but if you look at my sequence of events and various DCA's handling things:

 

Oct 08 - Cap1 acknowledged I&E form from me with offer to repay £20p.m.

Nov 08 - Power2Contact threats

Dec 08 - FPC Debt Collectors threats

Feb 09 - Freds threats

Mar 09 - Information Commissioners Office advised

Apr 09 - Bryan Carter threats

Oct 09 - Lowells

 

 

Just who the feck are we meant to be dealing with here. What a bunch of illegal operators this lot are!!!!!!!

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Wish I knew too, I just keep sending the bemused/dispute letter for the time being as dealing with others as well.

 

Any idea on if the agreement is ok, if the signature is on the front and the prescribed terms on the back?

 

CCA request only produced T&C's and generic docs, but the SAR had agreements in it, so can I still dispute it?

 

Many thanks

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