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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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With it being unenforceable it means they cannot take any legal action, all they can do is update your credit file & even then any default will drop off six years from it first being registered.

 

They can only ask for payment no more, but of course you can refuse if you wish.

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I will keep on with the payment of one pound, and payplan are useless as they keep trying to sell me products. Don't they know I don't have money to spare.......

LilythePink

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

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know what i'd do!!

 

bugger off fleecers!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Got a letter from DLC today,

 

saying that although I didn't reply to their letter, didn't know I had to.

 

They have sent me a copy of their letter and that "we disagree with your claims that we have failed to respond to your request made un the Cca1974.

 

However your claims surrounding failing to comply have been upheld"

 

They don't have the terms or conditions, and cannot get them owing to the age of the debt (over 10 years ago)

 

They say I can complain to the FOS, what about?

 

They also reserve the right to still keep collecting the money from me,

 

although to me it is unenforceable.....

LilythePink

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

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thanks, although they still say it is collectable. Payplan manages my debts, and I they don't seem to understand this about unenforceable agreements....... But I will stop paying them the token payment from now. thanks again

LilythePink

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

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thats the idea well done

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 7 months later...

I have a dmp with Payplan for the last 7 years, I am only able to pay a token payment due to my financial situation £1.00 a creditor.

Cabot sent me three letter offering a reduced payment to be paid within so many days, I just ignored them as Payplan manage my debts, and Cabot have accepted my payment all along.

They phoned me this morning on my mobile and I have just ignored them.

My finances are worse now than ever, as I am behind on my mortgage, to the tune of £2000

Shall I CCA them? Or are they just fishing for someone stupid that will pay up.

LilythePink

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

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If your in a DMP, then just ignore these clowns.

 

Your paying all that you can and they will have to deal with it.

 

Your priority is your mortgage, NOT a poxy debt Cr@pbot say you have to pay.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If this were me, I would respond along the lines of.

 

 

 

In response to your many letters and attempted telephone call of today.

 

You are well aware of my financial situation and that I am having my financial situation managed by NAME OF DMP.

 

Your constant barrage of letters requesting increase of payments or offering me settlement discounts is putting unnecessary pressure on an already stressful situation.

 

I will confirm again, I am unable to increase my payments to you, nor am I in a position to accept any discounted offer to settle in full.

 

I have also made it quite clear, that I will not deal with my financial affairs on the telephone - so will you please stop attempting to contact me by this method.

 

Yours faithfully,

 

LilythePink

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:thumb:

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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you need to sar the oc and find out WHY they are offering discount

 

you've missed something

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DCA's offering ANY discounts = bad debts and as dx said, you need to find out why.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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DCA's offering ANY discounts = bad debts and as dx said, you need to find out why.

Going to CCA all three of the debts....

LilythePink

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

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