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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
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    • 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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Cabot and cahoot debt


Lilythepink
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True copy means a copy of the original... surely ? They would not send you the original, this would be very stupid of them!

 

Are they telling you that they may not have the original? Could be interesting if it goes to court... makes it harder for them:)

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  • 2 weeks later...

Hi, received this document this morning, is it enforceable? I can't see a credit limit on it? removed attachment

Edited by IdaInFife
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LilythePink

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Hi Lily,

 

 

I thought i had already posted, sorry.

 

 

can you confirm if the account was already 'active' and this agreement was for a transfer of creditor?

 

ida x

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Hi, received this document this morning, is it enforceable? I can't see a credit limit on it removed attachment

 

I'd re-scan and remove your address FULLY - it can be made out! For your own protection x

Edited by IdaInFife
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I've removed the attachment Lily re above post

 

thanks RW i didn't notice it myself

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Hi Lily,

 

 

I thought i had already posted, sorry.

 

 

can you confirm if the account was already 'active' and this agreement was for a transfer of creditor?

 

ida x

 

 

can you answer?

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what i meant was that, to me, it looks a tho you already had a cc/bank account and this was transerred to another lender to take over.

 

ida x

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Hi

 

Sorry to butt in here, but I am paying DLC for a debt that was originally with HFC Bank. I was paying Payment Protection until I defaulted. is this something I could claim back? I'm hearing alot about people claiming back charges etc but I don't know what to do about it.

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go to here book :

 

Payment Protection Insurance (PPI) - The Consumer Forums

 

and start your own thread there having a good read at the stickies and others threads

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I can't remember, it was back in 2003

 

I can't see a credit limit on it, to identify this account, I had 13 cc and loans so I have been on a dmp from 2002/3

Edited by Lilythepink

LilythePink

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it says the will determin your credit limit which is ok

 

 

maybe time to do a sar to check for any charges and try and get a copy of the default and termination notice

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ok it is enforceable, but they should not be able to keep doing searches on my credit report and put another default on the account, when Cahoot had already put up on it more than six years ago, and it has dropped off my report.

They are also saying I have defaulted on my dmp, which Payplan runs for me, which I never ever have defaulted on:mad:

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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