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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
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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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Hfo Services Cca Request Help!! *** Discontinued ***


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Posted Images

Reposting for ease of viewing and to remove duplication:

 

BARCLAYCARD DEFAULT NOTICE

 

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ROXBURGHE THREATOGRAM

 

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ROXBURGHE LETTER

 

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"BARCLAYCARD" NOTICE OF ASSIGNMENT (blimey, they've changed it and spelled 'affect' right! HFO must've been reading my threads)

 

(temporarily removed)

 

 

CREDIT AGREEMENT (Ha ha ha ha ha)

 

003.jpg

Edited by DonkeyB
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OK, look at the wording on the default notice. It states clearly 'acting as agents for Barclaycard'.

 

So it came from Mercers.

 

So how come it has a Barclaycard logo at the top? More creative copying, HFO?

 

Bugsy, was this supplied by HFO/TR or Barclaycard?

 

The CCA is a load of...

 

Aaargh! Remove your name from the NoA... I'll repost it later.

Note also that only HFO Capital are named here. We know that only HFO Services can litigate on this, as they own any debts bought by HFOC - and we can prove that!

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I wonder if this any bigger? nope!

 

Ah that has given me a laugh:lol: Did it take you this long to learn to ride a bike?:D

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Remove the ref number it says to quote when sending the cheque.

 

Been having a laugh at their website aswell, unbelievable, these are another bunch of neanderthals who believe that they are DCA of the year??

 

I particularly like this bit:

Roxburghe work very closely with a firm of Solicitors who have both a branch office in our building, and dedicated access to the computer system.

 

They only have one ZX spectrum in the whole building.

 

The sole purpose of their business with Roxburghe is debt recovery.

No! You don't say?

 

We can accept the following types of payments:

 

  • Debit/Credit Card

 

Glad to see your also ignoring the OFT, telling 'alleged' debtors, to further get in debt to pay of yours...tut tut..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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OK, look at the wording on the default notice. It states clearly 'acting as agents for Barclaycard'.

 

So it came from Mercers.

 

So how come it has a Barclaycard logo at the top? More creative copying, HFO?

 

Bugsy, was this supplied by HFO/TR or Barclaycard?

 

The CCA is a load of...

 

Aaargh! Remove your name from the NoA... I'll repost it later.

Note also that only HFO Capital are named here. We know that only HFO Services can litigate on this, as they own any debts bought by HFOC - and we can prove that!

 

Here is where I think the infamous CP2 document will come into play?

 

I can provide the proof that only "Mercers" issue the default notices with the phrases Mercers in it... along with the logos etc... so no worries on this score ;-)

 

DB - what's the CCA like on this one? I'm thinking the OFT will be interested in the number of cases HFO are taking on knowing they are technically unenforceable?

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  • 2 months later...

All quiet on the western front VJ. Not heard a dickie bird since I asked roxburghe to pass the debt back to HFO as it is in dispute.If its true about the license then I see why they did this. I have phoned barclayshark twice. once in december and once in january both times asking for my credit agreement as requested in the sar. keep saying they will send it but we are heading into march and still havent recieved it. might need to go to ICO as I think they might just be in breach of my sar. following mels thread with anticipation.

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