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    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
    • 'they' dont send court letters. only a sheriffs court can do that if the debt OWNER is brave enough to request they raise a court claim......... unlike E&W the scottish legal system is far more geared toward empowering the consumer and always put claimants to strict 1000% proof they are the legal owner of a debt, are legally due payment and hold the all the correct enforceable paperwork. just read a few Nolan SPC threads... dx  
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      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.  

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      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.

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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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Hello All,

 

 

I came across these forums when in googled "Apex credit management complaints".

 

So I registered.

 

I had an outstanding balance(over £5,000 less than £8,000) with my credit card but was unable to keep full repayments.I agreed to a payment plan with my credit card provider which i could afford.

Now they have sold my debt on to Apex.

 

I would just like to know.

 

credit card supplier sold on to Apex at a loss to gain a lump sum?

 

if the above is true why did'nt they offer me the chance to settle?

 

What exactly can a CCA do for me in this situation with Apex.

 

 

By the way i am not trying to avoid paying my debt,i just dont want to agree to anything with Apex until i am sure what my rights are and not be paying over the odds

 

 

Many thanks:)

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First send them a CCA request to see if they are entitled to collect this debt & if it's enforcable. If they fail to provide it within 12 working days from receipt, or the CCA is unenforcable you can legally withold any payment until they do. Send it recorded delivery enclosing a £1 postal order. When you get a reply, scan it & remove any identifying details and post it back here where we can have a look at it. We'll advise you from there; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/581-cca-request-letter

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Hello again,

 

I have just recieved this today and would like an opinion on what Apex plan to do now

 

If they have purchased my debt from egg,would they have not aquired my CCA in the deal?

 

or

 

is this a violation which comes under supplying me CCA within the 12 day period?and are just buying some time?

 

Many thanks

 

 

 

 

 

 

 

img003.jpg

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It's a standard letter stating that they've requested the CCA from the original creditor, which is normal. If they haven't supplied it within the 12 working days from receipt of your request send this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

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Hello again,

 

I have just recieved this today and would like an opinion on what Apex plan to do now

 

If they have purchased my debt from egg,would they have not aquired my CCA in the deal?

 

or

 

is this a violation which comes under supplying me CCA within the 12 day period?and are just buying some time?

 

Many thanks

 

 

 

 

 

 

 

img003.jpg

 

'Manage your expectations' ?!. Does this mean that they are busy at Apex ?. Oh dear !. Best i get my CCA request off to them then :)

 

Andy

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"Managing expectations" is hogwash. They are required to comply with the law within a set timescale.

 

Debt buyers like Apex could avoid this problem by requesting copies of the original agreement for each debt when they buy it. Why doesn't the law require debt buyers to make some basic checks of the enforceability of each debt when they buy it?

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"Managing expectations" is hogwash. They are required to comply with the law within a set timescale.

 

Debt buyers like Apex could avoid this problem by requesting copies of the original agreement for each debt when they buy it. Why doesn't the law require debt buyers to make some basic checks of the enforceability of each debt when they buy it?

 

Although I'm sure if debts were enforceable then the actuall credit card companies wouldnt be so eager to sell them at knock down prices :)

 

Personally I dont care if DCA's buy lots of duffers it makes life easier for us, the law says 12 days so 12 days it is, best Apex pull their fingers out and get working.

 

Andy

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"We are limited on the number of requests we are able to send"?

 

what does that mean?

 

We can only write/call Egg so many times,no CCA! before we come back to you with same mantra?

 

Im hoping my request will be one too many !...the straw that breaks the camels back :)

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Hello again,

 

I recieved another letter today in response to my Account in dispute letter,which i think was justified in sending due to the 12+2 days not being met by Apex.

 

CCA request sent- 12/11/09

Acc in Dis sent- 30/11/09

 

Any advice on my next course of action would be much appreciated.

 

Thanks

 

 

 

 

apex4.jpg

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Typical Apex rubbish, the extra time limit which was 30 days was removed from the Act & they should know that. :rolleyes:

 

Ignore the idiots, you've put the a/c in dispute but it wouldn't do any harm to send a copy of that letter to the OFT and ask how can Apex be expected to abide by OFT guidelines when it is obvious that they are not even conversant with the CCA 1974 & its amendments.

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Hello again,

 

Update concerning complaint made via email to OFT over last reply to me from APEX stipulating that APEX have a further 28 days (along with 12+2 days) to supply a "True" copy of CCA.

 

If someone could please advise whether I should pursue this?

 

 

All opinions welcome!

 

img007.jpg

 

 

 

 

 

 

 

 

 

 

 

 

 

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