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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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Egg up to no good.


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I've been on a DMP with Egg. Regular payments on time. Haven't missed any since DMP.

 

I also managed to get back the Ppi and have SAR'd the loan. Today I checked online and Egg have sold my loan to a DCA without telling me. Can they do that?

Edited by dx_
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I'm been on a DMP with Egg. Regular payments on time. Haven't missed any since DMP.

 

I also managed to get back the Ppi and have SAR'd the loan. Today I checked online and Egg have sold my loan to a DCA without telling me. Can they do that?

 

Legally yes, but morally and ethically it's wrong.

 

Was this agreement pre-2007?? If so, it may Egg trying off-load these agreements as they know they are faulty because they do not contain the term "credit limit" only "approved limit." (Actually, not sure about loans...but certainly this term was used with credit card agreements.)

 

I'm only paying them a nominal sum at the moment, by agreement, and thought they'd been pretty quiet for a while. Perhaps they've done the same to me!! :p

 

Which DCA is it? Haven't you received any communciation from either party?

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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I'm only paying them a nominal sum at the moment, by agreement, and thought they'd been pretty quiet for a while. Perhaps they've done the same to me!! :p

I think they did this out of spite as I've had the PPIs refunded.

Edited by dx_
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I've had the same thing happen with my Egg credit card. It has been sold to Apex. Enclosed in the same envelope, and on the same shiny paper was a letter from Egg saying the same thing!!

 

They want me to contact then to arrange payment...as if!!

 

Oh well, this was one which I was keeping on the back burner as I was only paying a nominal sum but, let the battle commence!!

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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It would appear that over the last few days Egg have suddenly sold a large amount of accounts to Apex, there are now many (new) threads regarding this, perhaps admin could start a single thread or a sticky ?

 

It would appear that we are all in the same situation:-

 

We had an agreement with Egg to pay a minumum amount.

 

We stuck to this agreement.

 

Egg suddenly without warning sold this debt onto Apex.

 

We receive a text from Apex and then a letter.

 

Andy

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It would appear that over the last few days Egg have suddenly sold a large amount of accounts to Apex, there are now many (new) threads regarding this, perhaps admin could start a single thread or a sticky ?

 

It would appear that we are all in the same situation:-

 

We had an agreement with Egg to pay a minumum amount.

 

We stuck to this agreement.

 

Egg suddenly without warning sold this debt onto Apex.

 

We receive a text from Apex and then a letter.

 

Andy

 

No text with me...although that probably went to my old works phone!! :mad:

 

I actually have my original agreement...one of the few I did keep, and it refers to "limits" and "approved limits."

 

Think PT's case regarding this is in Cardiff in March 2010 so think that will be pretty critical for us all. Perhaps that's why they're offloading them now!

 

Link to PT's thread for info...

 

http://www.consumeractiongroup.co.uk/forum/legal-issues/188093-egg-credit-agreements-what.html#post2024413

 

Apex may use this number, or similar variants to call...

 

01789 775899

Edited by WelshMam2009

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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so when the pondlife gets in touch send em a cca request

 

I'll just ignore them for a while I think PGH and will be wary of any unrecognised incoming calls.

 

Think I'll then send them a prove it letter first to see what they come back with and then hit them with a CCA request.

 

Am resigned to them adding another default, for the same debt, to my collection though...:rolleyes:

If you feel I've helped then by all means click my star to the left...a simple "thank you" costs nothing! ;)

 

Restons MBNA -v- WelshMam

 

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After hearing nothing from Egg since June, I received a letter from Apex Credit Management this morning. Although Im surprised it got here as it doesnt have my flat number on it and there are 126 houses in my block!

 

What's the best way of tackling this? I have a pre-2007 agreement.

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