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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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Me Vs Egg Loan


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  • 7 months later...
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I have just been looking through my credit file and i have just noticed a couple of defaults that i was not aware of!

One of them being with egg.

I dont ever recall having a default sent to me and i have searched my files and not found anything that resembles a dn

Is it worth me getting a copy of it from egg to see if it was correctley served?

I am currently paying off this loan through mooron croft at an agreed amount.

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It is widely believed on these forums that Egg never sent out default notices. As these were generated by an automatic process, they will not have a copy to send you.

 

So thats why i havent got 1.

Sorry if i sound silly but dont they have to send them?

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So thats why i havent got 1.

Sorry if i sound silly but dont they have to send them?

 

I believe the issue is that although they will have issued a DN, they don't retain physical copies.

 

This is fairly commonplace and often an entry on the Comms Log will be sufficient to satisfy a Judge that a DN was sent.

 

Do you have yours? Were you given a Comms Log as part of your SAR Andreamour??

 

EDIT: Just to confirm that I did receive a default notice from Egg when I agreed a repayment plan with them.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Im quite sure i have not recieved 1 from egg.

 

Been thinking about this since my last post. I have a credit card and loan with EGG. Now, I definitely received a DN but, thinking about it, I'm sure I only had the one. Will need to check tomorrow to see if it related to the card and not actually the loan.

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Think i am going to write a letter to Egg and query this

 

 

No, please don't as they will just issue you with a new one!

 

Have you actually received a termination notice from Egg?

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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No, please don't as they will just issue you with a new one!

 

Have you actually received a termination notice from Egg?

 

Oh right :eek:

I havent had a termination letter or a dn letter.

It was only by chance i checked my credit file and noticed a default from them!

I am currently on a payment scheme with moron croft as i cant get this 1 written off.

I thought i may have a new angle on them if they had sent a dodgey dn.

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Oh right :eek:

I havent had a termination letter or a dn letter.

It was only by chance i checked my credit file and noticed a default from them!

I am currently on a payment scheme with moron croft as i cant get this 1 written off.

I thought i may have a new angle on them if they had sent a dodgey dn.

 

This is something of a contentious issue.

 

There are threads on this site where dodgy DN's have been highlighted as a defence in court and the creditor has simply said ok, we'll stop these proceedings, issue a compliant DN and then start fresh proceedings!

 

This often boils down to what constitutes termination of the contract (most believe issuing court proceedings is effectively termination) and a termination notice from Egg would help your case in this regard.

 

As your agreement appears compliant, then all that would happen is that the default would be removed, a new DN issued by Moorcroft (Egg) and another default added. At least the first default will expire before the second.

 

Have all interest and other charges been frozen on this account? If so, then a payment plan, at a rate you can afford, may well be the best solution.

 

I don't really know much about the PPI and multiple agreement aspects but this is something you may wish to check out just to be 100% certain that the agreement is enforceable!!

 

Best of luck! ;)

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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Thanks Welshman i understand now.

Im going to have a good luck through my sar info again to see if i find anything about account termination also they were supposed to send me a tape which they never have of the conversation i had when i consolidated my 2 cards with a loan so i will persue this some more.

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  • 6 months later...

I wrote a letter of complaint to egg explaining that it has been over a year since i requested the tape recording and that i needed it to check wether i had been Mis-sold ppi.

They wrote back and apologised and said they would re-fund £1900 to my account which of course is behind on payments so i wont get to spend the money but at least its reduced my balance!

If only everything was that easy.

I still need the tape conversation though as i believe i never had an agreement to sign and the screen print out is dodgey!

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  • 2 weeks later...
Only thing you could do is try to bluff Egg by claiming they have broked the 4 corners rule & see what they come back.

 

Why wouldn't that be a good idea? What harm is there in doing this? You could write and state that the CCA is not on 1 piece of paper and see what they say in response. Then you'll know. I wouldn't have thought this would jeopardise anything else, particularly if you raise the PPI issue under a separate paragraph?

Mozzone

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Taking on the bloodsuckers

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I'm having a right song and dance getting Egg and their DCA pets CapQuest to send me my CCA. Cappers have sent their second letter to me now flatly REFUSING to send my CCA request onto Egg! They have returned my letter and my postal order again (twice now).

 

They also returned the letter in which I denied any commitment to pay them. So what record of it do they have on their file??

 

Its quite disgusting, but where now? Who do I complain to if Egg's pet DCA are, indeed, obliged to pass on this request? All they've said is "our client has requested you send your CCA request direct to them." Any ideas? The OFT or something?

Mozzone

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Taking on the bloodsuckers

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