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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • 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

 

My first post so please forgive me if I haven't picked up on information already available. I have spent 2 days trawling through all the forums/stickies but seem to have endless tabs in my browser open and finally get frustrated and just close out before taking any further action. Again I apologize if this information is readilly available.

 

My question...

 

I have a default on my credit file for a Personal Loan from the RBS. This loan was taken out to cover the overdraft facility I had on my account back in 2003-2006

 

Now I understand that the bank may have heavily charged me during this period and would like to see if I am eligible for claim agaisnt them for this. If possible even get the default removed (remains to be seen I guess)

 

Can I have a summary of what letters are to be sent first, what do I have to then do once I recieve this information and what actions do I then need to take?

 

Currently I am in the process of requesting the information (Subject Access Request) - in light of some recent posts, do I no longer have a chance of claiming against them? Is it going to be £11 wasted (Postal Ordes)?

 

If anyone can just give me a quick step 1,2,3 that would be brilliant and much appreciated.

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£11? sar is £10.

 

that will show you what unlawful fees they have applied.

 

then we will go from there.

 

if you pop to the homepage

 

you can read up on the current wisdom of how to reclaim these charges.

 

but that will be a while off yet.

 

lets see what the fleeced you for first.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DX - thanks for the swift reply. I have taken a template letter found in here, the extra £1 is for ...

 

'I understand that under the Consumer Credit Act 1974 section 78, I am entitled to receive a copy of any credit agreement and a statement of account upon request . I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act 1974.

 

I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. '

Do I not need to include this in this letter?

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if you are doubting the enforceablilty of the agreement, then that is a CCA which is 12+2 working days.

that is a diff arguement.

 

however, bear-in-mind an sar will give you a copy of the agreement anyhow [oe make sure its included in the text of the SAR letter]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx, will keep you posted on outcome and request advice next steps once I have tallied up how much they have slaughtered me for. Also just read that charges cannot be taken whilst recieving benefits, I know I definately had those too when I was claiming benefits.

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