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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.

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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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GE Money Default ex wifes debt

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Around a month ago I requested my credit file,I got a big shock when I saw a default for a £16,000 second mortgage with GE money.I contacted them straight away to try and get to the bottom of it and knowing I had never applyed for such debt or consented to it being in my name.They said the would dig up the file to check about the possible fraud, put it in dispute and contact me back.

It was listed under the address which I lived at with my ex wife.She had the mortgage on the house in her name only as at the time I was a sole trader and had a finacial disassociation from her so my business creditors could not look to the house to recover any bad debt.


I was aware she took a loan but I saw no agreement and signed nothing,I left the property in April 07 and she left Dec 07 changing her name and running away from the mortgage and number of debts,I have had hardly any contact since then but do know what name she is useing and a possible address.


Today I have recived a default notice in my name.I have once again phoned GE money and explained,they have asked me to send 3 proofs of my signature so they can check.

It seems they are going to try and get this money from me,I told them she had changed her name they did not even ask what to.


I really need to get this off my file and dont know what to do,should I contact police?

If anyone could can give me any advice it would be much appreciated.

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Guest wino

Do not send your signature.


I wouldn't suggest for a minute that an agreement would suddenly appear from GE Money with your signiture on it, but it has happened in the past with some companies. So be careful.


I would CCA them. Send letter N from this link




Put on the top that you do not acknowlege any debt to their company.

You will need to send a postal order for £1. Do not send a cheque as you will have to sign it and do not sign your letter. Send it recorded delivery.

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  • 1 month later...

just recieved back a letter from GE Money asking for 3 sample signitures which i am not going to send them of course. I wrote to them in the first place asking for the original agreement and told them i would not be supplying them with signitures, i sent them a £1 postal order with this request which as far as i am aware is the price i should pay for the agreement. does any1 have or know of any usefull links to template letters i can use or just some good advice.

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