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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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overdraft lloyds tsb


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hi all

 

received letter today from LLOYDS asking me to fill in income/expenditure form and must be sent back within 14 days of their letter which was dated 17th august ....

 

im wondering if there is a lowest amount that they always are willing to accept to or do they try and grind you down wanting every last penny ?

 

also , if i say propose to pay £50 per month and they refuse this would a court view me as trying to make a reasonable offer if repayment or they side with the big bank ???

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hi

thanks again for the advice

 

is there a template letter to send offering to pay say £50 a month or do i just draft a few lines saying im willing to pay whatever and not explain my income and outgoings at all ???

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  • 2 weeks later...

hi all i hope someone can help me,a while back i sent off for a credit agreement from lloyds tsb,as scm were hassling me,anyway,i get a letter today,they do include a credit agreement for a loan i took out,which was for £2000,but they have also included a current account which has no agreement and it is for £4000,the letter i received to day goes as follows....

 

our client lloyds tsb

account number ********** £4259

loan agreement ************ £2000

 

further to your recent request,we hereby enclose a copy of the credit agreement.(yes they have included one for the loan account)

 

the current account application is no longer available as it is more than 6 years old and not subject to the consumer credit act.

we await your repayment plans.

 

can anyone tell me what to do,i fully accept the loan agreement,but they dont have one for the account???

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hi all ......to continue this thread...........

 

today i received another letter from lloyds saying as i hadnt responded to SCM request of full payment or been in contact they have suspended any legal action for further 10 days to let me respond

 

i have rung them saying i sent 2 letters within the last 10 days stating my current financial position and my wish to make regular monthly payments of £40 but i havnt heard any responce to either letter

 

they say they havnt received any letters from me in the last 10 days though and the bloke on phone wanted me to give my income and expenditure details over the phone , to which i said no chance as i have sent 2 letters stating my position so i suggest you look amongst the mail

 

im not sure what to do now as legal action is not a thing i really want

 

shall i ring back and discuss my details over the phone or wait to hear their responce via post ????

 

if they did take me to court i would never be able to pay £2005 in one go so why dont they just accept my offer of £ 40 per month ..unless a court would demand i pay more ??

 

please help

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has anyone had any dealings with SCM solicitors before ?

 

if there threatening legal action now just how serious are they and will a court look in my favour if gets that far as ive made several attempts to try resolve a reasonable monthly payment or do the big companys always come out ontop

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Hello Steve

 

Have you keep copies of the letters you have sent ****

and did you send them Recorded Delivery

 

Do NOT call them you are wasting your time, keep everything

in writing keep copies of what you send them and keep the

envelopes as well from them .

 

I have first hand knowledge of **** they will try anything

 

Cheers Tonks:-)

Edited by Tonka99
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  • 4 months later...

update to my thread

 

in november Lloyds tsb sent me a letter saying pay £19 every month on 15th , i accepted this and continue to make regular payments

 

however , 3 weeks ago SCM sent a letter saying they have been instructed by Lloyds to collect the whole balance of £2015 immediately

 

i sent a letter to both Lloyds and SCM saying i have copies of letter sent to me confirming i pay £19 every month , with even the dates printed on it up until august 15th 2010 , so i feel it is unfair how they now want to claim the whole lot when we had agreed a repayment plan

 

today i received a letter from SCM saying they want a new income and expenditure form sending within 7 days , i sent this info back in sept 2009 and Lloyds sent me the above mentioned letter stating i pay £19 back each month

 

my personal circumstances have altered since as i only work 4 days a week now but why should i send all the info again to these people when they set the repayment plan up ??????

 

are they allowed to go back on what they sent me ?

 

please help

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  • 5 months later...

hello all

 

just a new turn on this case

 

last week i received a letter from WESCOTT saying LLOYDS TSB had instructed them to collect the £2050 within 7 days to which i sent a letter stating i already have an agreement with LLOYDS that i pay £19 each month ( which i hadnt paid for few moths as was awiaitng a resonse from them regarding the letter they sent me in feb )

 

however , today i received another letter from WESCOTT saying i have 7 days to respond or they will either take legal action to recover debt or send a door stop collerctor to my house ( which is my worst case scenario )

 

 

what can i do next please

 

i havnt a clue now how to tackle yet another threatening debt collection agency threatening action unless the full debt is paid in 7 days !!!

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yes i do have written confirmation from Lloyds regarding the agreement i pay £19 a month

 

BUT why have wescott taken over this debt and chasing me for full payment ???

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