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    • you would most probably have to raise a court claim naming the dealership and the finance co as joint defendants. you'd win hands down. @BankFodder is best for confirming this. you don't 'contact them' you WRITE expressly exercising your right under CRA, etc as above.
    • Thanks for the reply do you think it’s just a threat for the 14 days or they will send court letters 
    • That’s great, thank you so much. We will contact Doves and the finance company again and hope they will resolve it. Out of interest, where would we stand if we did pay the costs? Would we then be able to claim that back or should we just wait for a response from them before we take the car back from Mercedes?     
    • As I'm off on holiday on Wednesday and won't be around I'll bring things forward and be pessimistic and decide that Iceland won't cooperate.  There are two things to ponder. The private parking companies have a lot in common for obvious reasons.  But also some differences. Excel and its sister company VCS are by far the most litigious.  They take large numbers of motorists who don't pay them to court - perhaps the majority.  That's not because they have a good case.  Indeed their case is rubbish.  It's because, sadly, enough people are terrified of the idea of going to court and just pay up when the court papers arrive.  It's a numbers game to Excel/VCS. In cases where the motorist is in it for the long haul, Caggers win 85% of the time in court against Excel/VCS (yes, I did once go back and counted all the court cases over the previous 30 months).  But Excel/VCS take the odd defeat because of the mugs who just panic and pay.  So take this into account when deciding what to do. Secondly, without boring you with the reasons, I know about the world of local journalism.  Papers have great difficulty in filling their column inches.  If you do contact the local media there is a 100% chance that they will publish something and embarrass Iceland - and maybe get them to back down. Again, have a think if this is a road you want to to go down. If you don't win by Wednesday!  
    • Followed up with letter which is no surprise as I’m easy to find via electoral roll. Letter says we have been asked to recover from you on behalf f our client in Middle East x amount. if you believe you are not liable please contact us - yeah right! If you wish to make payment here are our client bank details which look genuine and relate directly to a Dubai bank. ” if you don’t engage our client may take further action” etc blah blah blah. its the same type phrases used by CWD/IDRWW/IDR etc…..   I ignored the email, blocked the text number and will wait to see if I receive any formal action via Mail but seems like the same tactic I’ve seen for 10 years plus and I’ve ignored all. just for people’s info
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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.

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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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  • 2 weeks later...
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Just had the post a letter from a DCA called albion never heard of them before anybody else:rolleyes:

 

Yes..;)

 

They are the 'A' before 'B'.... Albion will demand the whole amount of the Loan... then it will be passed to Blair Oliver and Scott who will also demand the whole of the loan but will be open to arrangements..:rolleyes:

 

I am on my dodgy laptop again so I will get back to you when I can kick my daughter off the other one.

 

Spam. :)

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They say money talks......mine just keeps saying "Goodbye"

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Good morning MBL/Spam

 

So the hot brick is starting to do the rounds,wonder which one will get the short straw and instigate (if any).

 

Regards

 

Andy

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Would depend on the contents of the letter and what exactly they are threatening to do? You may wish to send the "This account is in dispute and has been since xxxx so bog off " letter.

 

Regards

 

Andy

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Hi, me again.:)

 

The process used on mine was...

 

Arrears Notice,

 

Default Notice... (invalid)

 

Formal Notice from Albion demanding Full balance,

 

Another Invalid default Notice.

 

And then Blair Oliver and Scott took over..

 

To be honest I have continued to pay them a reduced rate at the moment because there was heavy debate going on as to whether demanding full monies constituted termination of agreement, they have also been sending arrears notices which they have to do under CCA 1974 which makes me believe they consider the agreement is still live so I got a touch of 'cold feet' :oops:.

 

Being involved in a few 'disputes' at the moment I decided to put this one on the back burner for a while til I could work out what to do next..

 

Sorry I'm not much help... this one has baffled me a bit... I get the feeling that they won't instigate anything until the Loan term has reached its end and then it will have reached its natural termination..:confused:

 

 

Spam.:)

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I have not heard of them before perhaps Spam can confirm if they are in house like Blair Olly Scott,if they are I would tend to ignor it until its passed to an exterior DCA.

 

Andy

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I have not heard of them before perhaps Spam can confirm if they are in house like Blair Olly Scott,if they are I would tend to ignor it until its passed to an exterior DCA.

 

Andy

 

Hi Andy,

 

Albion seem to be Halifax's first port of call for 'Delinquent Loans' My ex DMC made all the arrangements with my DCA's at the time so I never had any contact... after approx about a year Body Odour and Snott took over...so I'm not really sure where they fit in..:confused:

 

All I do know, is that Halifax appear to be folowing the same pattern as they used with me a couple of years ago.

 

Spam.:)

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Thanks for that Spam

 

I would summise they are in house then (next desk to Bobbly Obbbly and Snot) usually BOS pass to to them first and then farm out to the likes of EOS/IQOR/Moorcroft who inturn retun it back to BoS.

 

In any event gut instinct says in house so I would ignore as the debt as not left the building as such.Wait till one of the above muppets writes MBL then issue the In dispute letter.;)

 

Regards

 

Andy

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Hi just an update on this got the SAR stuff today should give me something to read for 5 minutes (months) and a Statement off them with No od charges! Is that because they have froze the account? They have allways charged me a monthly usage charge:confused:

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Hi just an update on this got the SAR stuff today should give me something to read for 5 minutes (months) and a Statement off them with No od charges! All of your statements or just the current Is that because they have froze the account? They have allways charged me a monthly usage charge:confused:

 

MBL how did you service this loan A/C was you making mthly payment from your current account with the same bank?

 

Regards

 

Andy

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Hi MBL,

 

Nothing to do with the above... but this is what made me continue to pay..

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/189110-fiddlesticks-i-didnt-know.html

 

I don't know if you've already read this but it may be of interest to you.

 

Spam.:)

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Hi Andy yes it was a SO does that make a difference:confused:

 

Hi MBL

 

Not a difference but in your post you state that there are no O/D charges.They dont appear on the loan account but on your current account diff account number different statement.The only figures that appear on the loan statement is the balance less payments.

 

Regards

 

Andy

We could do with some help from you.

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Hi Spam/Andy Intresting Spam but I have tried them but they will not answer my letters :confused: or more importantly send a paying in book (current account frozen).Sorry for the confusion Andy the od charges mentioned are for my current account (but none on last statement) which are usually added monthly and wondered if there was any significance to this.:confused:

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The plot thickens! I've had a letter today stating that they've reviewed my current account and have noticed that I didn't pay anything last month (actually I haven't used it for some time), and that under the conditions of my account I must either pay in my salary or make regular payments, and that I must make a payment within 14 days.

 

I haven't got a clue what they are up to. I am well under my agreed o/d limit. Can anyone else shed any light on what they might be up to? Maybe trying to get me to phone them?

 

Thanks

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MBL

 

I summise that the loan account and current account are now dormant as far as you are concerned.No live DDs or SO and you are useing other banking facilities.Sounds like a computer generated letter as there as been no activiy on the account for some time.

 

Andy

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  • 3 weeks later...

Hi, just an update. The latest is that Halifax have now sent me a letter saying that if I don't pay some money into my current account (which is well under agreed overdraft limit) they will take the overdraft away.

 

Now I'm totally confused as they have said that I can't use the account anyway, so what are they up to now:confused:

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Hi, just an update. The latest is that Halifax have now sent me a letter saying that if I don't pay some money into my current account (which is well under agreed overdraft limit) they will take the overdraft away.

 

Now I'm totally confused as they have said that I can't use the account anyway, so what are they up to now:confused:

 

Hiya,

 

I had a £3k o/d with them which I 'maxed out' a couple of years back.. when I made payment arrangements with my other creditors I arranged to pay a token amount towards the O/D every month and they froze interest and charges and the debit balance has been reducing ever since...albeit very slowly;).

 

I've been doing this regularly every month... they defaulted me for it recently but didn't threaten to take the facility away so I wouldn't know what they are up to... it's a bit of a strange one.. 8)

 

Spam.:)

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They say money talks......mine just keeps saying "Goodbye"

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Hi, just an update. The latest is that Halifax have now sent me a letter saying that if I don't pay some money into my current account (which is well under agreed overdraft limit) they will take the overdraft away.

 

Now I'm totally confused as they have said that I can't use the account anyway, so what are they up to now:confused:

 

id say they are just looking at their exposure to u overall. if ur are having trouble paying other debts with them, in all likelihood u will struggle to pay off the o/d as well (from their point of view).

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