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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
      • 160 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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Baz1977 vs Mint\equadebt

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I have had my credit card passed to a credit agency. (equadebt)


I was gettin numerous calls, letters etc etc.


i finally agreed to pay 100 a month and the balance was set and no more interest was going intop.


I recently heard about, (do the credit agency have a copy of the original agreement.)


I sent a data protection act letter requesting documentation regards agreement to equadebt ltd and they replied indicating all payments are on hold.

It has been around 3 months now and i havent heard nothing.

obviously they havent got a signed agreement to declare to me.


Does this mean i can ask them to quash the balance, also can i ask them to clear the credit file of any negativeness.


Any ideas of where i go from here pls.


i have had a look around the forum but unsure. assistence would be grateful.

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Welcome to CAG:) There is a lot to read to try and get up to speed, but it is worth it. The more you know the easier it gets, honest. First rule, NEVER speak on the fone with any creditor always in writing as you then have a record. They will lie and fake your comments on their files on you!


Passed or sold? Find out if your not sure

Have you contacted RBS yet? Contact with SAR asap

When was acc opened? Can affect cca validity

Are you still paying? Stop now


Send account in dispute letter (in templates I believe) to equadebt, reason no CCA. eqadebt prob wont have the cca, but RBS may but having problems finding/retrieving from archives. Depending when account opened could well be not available or just an application form. Dont forget they only have to send a "true copy", not the original as they are then fulfilling their requirements under cca 1974. If they send t & c`s and something that looks like a cca but not your sig on they prob dont have anything:)


Some threads here that might help:



If it is not valid (youll have to post it up for us to c) they cant take you to court, but can still ask for money. If they dont have anything they shouldnt be doing anything but closing the account, BUT it will be a hard task getting them not to report to the referencing agencies. All finance co`s think they are above the laws of the land.


This is one of my threads that may give a little background into what goes on:




Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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At least its covered by the older legislation thats good news.

Advice & opinions given by spartathisis are personal, are not endorsed by Consumer Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.:)

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