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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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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Help no response for copy of credit agrement


pford
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Bit of a update on this managed to get Experian to send me their dispute form and the Halifax response to it. lol its a joke. Experian even hold account numbers as well according to what they sent me poor RD when this gets sent to the ICO he's singed to state all the details are correct even the date of birth lol which they have made up.

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Bit of a update on this managed to get Experian to send me their dispute form and the Halifax response to it. lol its a joke. Experian even hold account numbers as well according to what they sent me poor RD when this gets sent to the Information Commissioners Office he's singed to state all the details are correct even the date of birth lol which they have made up.

 

 

Hehe, good stuff!

 

How'd you manage to get them to send you that mate?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

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Hehe, good stuff!

 

How'd you manage to get them to send you that mate?

 

 

Just asked for them to send it as proof that the they are querying the information and what the Halifax have said in reply.

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Just asked for them to send it as proof that the they are querying the information and what the Halifax have said in reply.

 

Oh, excellent!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

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un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 3 months later...

Well had another letter off the Halifax some good news just the default to get rid of now.

 

 

Your case has been referred to me in my role as a Customer Relations Manager with full authority to respond to customer concerns.

 

Can I firstly apologise for the delay in responding to your complaint. My understanding of your complaint is that you are unhappy that you have not been provide with a copy of your Credit Card Agreement. As such, you have advised that you feel that the debt is unenforceable under section 78 of the Credit Consumer Act 1974.

 

I am sorry that we were unable to provide you with a copy of your Credit Card Agreement. From our systems I note that you were made aware of this, in writing, by Halifax in January 2007.

 

I would like to confirm that the outstanding dept of £****** was written off by Halifax in March 2007. I fell that it is important to advise you that although the decision was made to write off the outstanding debt, this is not n admission of liability on the part of Halifax and should not viewed as such. The decision to write off the outstanding debt was a business decision based upon commercial viability.

 

Although the outstanding debt has been written off, Halifax are not disputing that you had the debt. As advised, the decision was based upon commercial viability and does not negate your responsibility towards the debt. As such, I regret to inform you that I am unable to alter the information held on your Credit File. Your Credit File will continue to show a default in regards to this account as it is a genuine reflection of the conduct of your accounts. You are also not entitled to a refund of any monies paid to lower the outstanding debt.

 

I appreciate that this will not be the answer that you were hoping for, however, I trust that this clarifies the Bank’s final position.

 

To comply with legislation, I would like to let you know that if you remain unhappy you can refer your concerns to the Financial Ombudsman Service.

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Well had another letter off the Halifax some good news just the default to get rid of now.

 

Hello Pford,

 

Excellent well done to you. Good news for you and more to come keep at them.

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Well had another letter off the Halifax some good news just the default to get rid of now.

 

Well done matey - just issue an N1 at court now and they'll get rid of the default!! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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  • 1 year later...
  • 2 weeks later...
Hi there can i just ask who u spoke with at halifax with regards to this - as i had the same kinda letter and wanted to know if it generic!?

 

many thanks!!

 

 

not been round much too busy with other things it was a A Ferguson who sent the last letter not heard a word since that.

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