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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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The Occupier letter


babybird
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Hi

I am new to this but there seems to be so much advice I hope someone can help me

Today i recieved a letter "the occupier" fro a company called Ruthbridge Ltd. Have googled it to find it a debt collectng agency. They have asked me to call them, but have speech difficulties this is not easy.

Any advice? The letter doesnt give any details of the debt or my name. But over the past 5yrs since splitting with my partner have had several debt agencys contact me regarding things we had together & he told me he was paying them as he was the one working whilst a raised the kids & I have ended paying them all & finally thought was free of it all & life was back on track

ANy advice would be so helpful as am now terrified am back to square one

Thanks

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Hi babybird - welcome to CAG

 

Ignore the letter - it's obviously a fishing exercise. Anybody chasing a debt legitimately would address it personally. Indeed it's against OFT guidelines not to do so & you could send them a copy with a complaint about Ruthbridge if you feel inclined.

 

If you read the forums you will appreciate the underhand tricks that Ruthbridge employ. If you call them they may try & make out you owe them money whether you do or not & for your trouble they will then have your phone number on which they will pester you endless times a day.

 

So ignore it, get on with your life unless somebody writes to you specifically stating account no, original creditor & amount owed & even then, post back here before you respond. :)

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Just to say foolishgirl is right - ignore it.

 

If you do get any letters in your name just pop back here and we will try to help you. Don't speak to any DCAs on the phone neither even if they call you.

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Also bear in mind that Ruthbridge are known for chasing debts that are close to or are statute barred....i.e. you haven't made any payment or acknowledgment towards a debt in 6 years (5 in Scotland)...the statute barred rules also apply if there is a 6 year gap anywhere in the life of the debt, even if you have recently made payments...

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Ignoring it completely is best, but if you want to take the cheeky option, as one previous thread on Ruthbridge has said, you can send a letter back to them stating that you do not answer to the name of 'The Occupier'.

 

But, make double-sure that you sign it and put your name to it as 'The Occupier'. If nothing else, it confuses them.

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Ignoring it completely is best, but if you want to take the cheeky option, as one previous thread on Ruthbridge has said, you can send a letter back to them stating that you do not answer to the name of 'The Occupier'.

 

But, make double-sure that you sign it and put your name to it as 'The Occupier'. If nothing else, it confuses them.

 

I wouldn't waste good paper & stamp on them. :mad:

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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