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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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debt collection agencies


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Hi.

We have been paying off our debts through Payplan, a debt management company, for 2 years.

I was reading some threads on here and was suprised, no shocked, to see that debt collection agencies cant actually enforce/pursue a debt, without a true client credit agreement!!

So all i have to do is write to them, and they have to supply this document or i dont have to pay them???

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Even though i have been paying them for the past 2 years?

What are the chances of them actually having this document though.

The companies are Moorcroft, Reliable Collections, Apex and 1st credit.

Does this work for banks as well as Capital one are still adding interest to an acoount that started off as £200 and is now considerably higher.

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i would expect very few of the 'usuals' you list to have the docs required.

 

i'd fire off a few CCa's, and then wait the required 12+2 working days.

 

i would not at this stage defer payments to them .

 

there are other interesting outcomes should any DCA fail to have the correct paperwork, like 'can i get my money back' and 'they defaulted me to CRA's'

 

i would be inclined to do so reading.

 

 

the more you read the stronger you become

 

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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Get the letter from the template letters and send it out with a £1 postal order to each of the companies you are involved with (who you supposedly owe money to).

 

Do not sign the letter and put in big bold letters I DO NOT AKNOWLEDGE ANY DEBT TO YOUR COMPANY

<----------- If I have helped in any way please click on my scales :p

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Hello again. Just noticed that Reliable collections have 2 addresses one is a po box at the head of there letters and one is a head office address in small print at the bottom, which one should i use?

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Ish. Depends on the circumstances.

 

But if you have a manageable payment plan set up, you do owe the debts and there has been no dodgy dealings then I am confident you would not seek to avoid your debts.

 

 

 

Edit... wow...I go for a drink an loads of posts.....I was replying to post 2...

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you'll find as the weeks and months go by that the amount of knowledge and courage you accumulate will genuinely surprise you,when you look back to today.....

 

people have to understand that DCA's thrive on fear and ignorance of the law,something which is gradually changing.......and they HATE it

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I have to say it was a big shock, that i was not aware of anything that i have read so far.These companies are heartless and unscrupulous, and are operating almost lawlessly.I dread to think affect there letters would have on the meeker people in society.Disgusting!

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  • 4 weeks later...

Hi all. So have sent all my CCA letters off. Today have had a reply from Moorcroft who say they are actively seeking a CCA and will forward it when they get it, and that my account is on hold.However at the bottom of the letter they say 'Please could you give and indication of the information you will be providing, when giving evidence to the Court or providing information to the relevant statutory authoritios, in relation to the alleged subject matter of the account.'Do i have to answer this?Thankyou.

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Als they have sent back the Postal Order on the debt for BT and said that i should read BT's terms and conditions, and should there be any areas that i still feel to be in dispute i should contact them, until that the time the outstanding balance is still due. Does anybody know if BT have a special clause in thier Terms and Conditions, that says they dont need to provide a CCA?

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