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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
      • 162 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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London DCA Slammed by OFT


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Just seen this on Ceefax;

London Debt Collector told by OFT not to leave messages with neighbours regarding other individuals debts;

Not sure which DCA this relates to but one begining with L F comes to mind...

 

No doubt, more information will be released soon.

 

AC

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about 2 yrs ago mbna called my elderly neighbour and tol her it was a lond lost friens that was looking for me and they had lost my number/ They said they had looked her up on voters roll and did I leve next door. They then asked her to take her cordless phone around to me which she did.It was a filthy night and 9pm. My neighbour brought the phone around. I even have a letter admitting this was what they had done. I reported them but the argument still goes on

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Nothing suprises me about the underhanded practices of the DCAs.

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Credit Today says the tactic of contacting neighbours and asking them to pass on messages is to cease immediately on the orders of OFT.

 

"The Office of Fair Trading (OFT) today warned the debt collection and tracing sector that using neighbours to pass on messages to trace subjects is an unacceptable practice and should be ceased immediately.

 

It said some businesses are breaching the spirit of the OFT debt collection guidance by using this trace method, which has the potential to reveal to neighbours that individuals are being pursued for payment of debts. Any businesses that continue to do this face enforcement action."

 

The cracks in the debt collection industry dam are getting wider!

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Credit Today says the tactic of contacting neighbours and asking them to pass on messages is to cease immediately on the orders of OFT.

 

 

Interesting that this article appears in Credit Today directly under their splash regarding their 2009 Awards, which is sponsored by ...errrr... Link.

 

David

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about 2 yrs ago mbna called my elderly neighbour and tol her it was a lond lost friens that was looking for me and they had lost my number/ They said they had looked her up on voters roll and did I leve next door. They then asked her to take her cordless phone around to me which she did.It was a filthy night and 9pm. My neighbour brought the phone around. I even have a letter admitting this was what they had done. I reported them but the argument still goes on

 

Almost ditto noogie!

 

About 18 months ago my neighbour knocked on my door, he had a note in his hand, (I still have the note) the note said please call Alan on...Link telpehoine number. My neighbour said that the caller Alan had told him that he was a friend but he had lost my number and could my neighbour bring the note around to my; walk along a dangerous road and up a long dark lane.

 

I remember on that dark winters evening, standing at my front door feeling stunned;

I had only just moved into my home and felt very awkward, embarassed:(

 

My point is that, this was not a tracing exercise, as all my post was being re-directed by Royal Mail;

MBNA purportedly sold my 'Acoount in Dispute' to Link Financial, MBNA knew my address.

But, when an account is assigned the assignee is not given much information;

thus the DCA will use any method whatsoever to gather information.

 

I complained to Lambeth TS, (three times) who informed me that Link were not breaking any guidelines!?

 

Eventually, I had to instruct a solicitor, in order to put Link in their place.

 

My Dispute continues to this day, Link appear to be hiding in the long grass. However, here is the irony, MBNA still have their finger in the so to speak pie...

 

At the end of the day, the psychological harassment was not necessary, MBNA/Link knew, know exactly my whereabouts and that I have a very strong case against them.

 

There are many people like me, who have suffered harassment and bad pactice at the hands of Link Financial.

But, the OFT/TS have allowed Link Financial to carry on with their bad business practice for over a year, whilst they investigate...putting the consumer, at Risk!

 

AC

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