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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.

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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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CL FINANCE +2 unfair defaults on credit file HELP!!!!

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Hi Guys,

can you please help me,as I think CL Finance have been a little shady.I want to know if I can challenge the 2 defaults on my credit file. I never received any letters stating they where issuing a default notice.

I had been paying them through a debt management program with CCCS

(which I have now finished :))

The following is from my report with Experian,which I unfortunately only checked for the first time yesterday and got the shock of my life:eek:



Company name: C L FINANCE LTD

Account type: Bank

Default Balance : £1,156

Current Balance : Satisfied

Defaulted On : 15/11/2005

File Updated for the Period to: 26/04/2009

This one above they issued the default in 2005 served me with CCJ paperwork in 2007 I had no notice of the default. I had to use my boyfriends credit card to settle the debt even tho I was paying them through CCCS, as I felt I had no choice I didn't want a CCJ on my file.I avoided the CCJ (thank god)


Company name: C L FINANCE LTD

Account type: Bank

Default Balance : £501

Current Balance : Satisfied

Defaulted On : 30/05/2006

File Updated for the Period to: 26/04/2009

Status history:

This one I continued to pay through CCCS and once more never received any threating letters or calls and no default notice's


Please help,I only wish I knew then what I know now about DCA's and their bullying ways

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Thank you bubble cat,I am still a little confused.

If they issue a default notice is this because they expect the account not to be paid. If so what happens if I continue to pay the account and repay it in full

do I have a case to challage the defaults.

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I have limited knowledge, but, as I understand it, a Default is registered after 3 missed payments (original payments that is). It will stay on your File for 6 years from the date of its' cause, ie. first miss payment (I think?).


I believe you would be able to challenge the non-receipt of a Notice as they should be 'served' correctly.


Not very helpful, I know, but others will be along with much better help and info.;)

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The accounts were originally with HSBC when I started with debt management. They sold the debt onto Metropolitan (without telling me)

I payed monthly payments to Metropolitan for a long time, they then send me a letter saying they had sold the debt on to CL Finance and not to make any more payments to them, but to continue paying as they would sort things out with CL Finance.There was obviously a breakdown in communication somewhere along the way (I was just doing as instructed).


I never missed a payment,but CL Finance transposed the accounts and the incorrect payment was going against the incorrect account. They tried to hit me with a CCJ in 2007 which I then paid the account in full to avoid the CCJ (not knowing I had a default)


I am thinking of sending a subject access request,but I am not sure who too. Should it be HSBC, Metropolitan, CL Finance or all three.


As I want to try and ascertain all the correct dates to fight my case as I know I have paid every month untill the accounts where paid in full.

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You are getting some really excellent advice here jobo - get your SAR into HSBC.


I am pretty sure you should have been advised the debt was being sold on ? can anyone correct me please if I'm wrong and how this would help towards jobo's case?

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Thank you all for the advise it is much appreciated

I am sorry PGH7447 i dont mean to sound a little thick, but you have confussed me a little with your last entry

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Thank you all for the advise it is much appreciated

I am sorry PGH7447 i dont mean to sound a little thick, but you have confussed me a little with your last entry


hsbc/mcs should have sent you a letter of assignment and then the dca should have sent you a copy too

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Just print your name but remind them of the ICO's guidelines;


Data Protection Act Good Practice Notes:


2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.




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