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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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Hfc - Ppi


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I need some advice please.

 

HFC took me to court for a Personal Loan on which I had been paying monthly PPI. On the second time in Court the Judge ripped a new smile on the Barrister, well after that I received a letter from Reston's asking me if I would be happy if they discontinued the case and would i sign and it would be so. I checked first with my friendly solicitor ONLY to ensure the paperwork was not some back door job. It was all ok so I signed and the document was lodged at the Court and no more heard.

 

Time to reclaim the PPI which come to £3,594.49 with the 8% added

 

There return letter is written Without Prejudice and they do not want to answer any specific issues, like i was unemployed at the time the loan was applied for it was done over the phone and I throw in the fine they had from the FSA.

 

The Bottom Line they are happy to give me the £3,594 but the want to offset it against the indebteness of £14 817.97. They are treating this this as a Complaint and giving me options escalate to upper management or the FOS

 

Would like some Strategy advice - Me head tells me to tell them the thier letter cannot be without Prejudice as it already been to court been aired in the public domain ie County Court, which is well documented by me and the judge and Report them to the FSA. The only problem is that the date of the loan was 4th April 2004. But a mis representation is were i believe we are with this

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  • 2 weeks later...

although I've just won against Marbles/HFC for miss sold PPI, I can't really offer any advice, as I'm not clued up on legal stuff, sorry.

 

Has the account been closed and the balance written off???

Do they say you still owe them money?

Are you still paying them anything?

sorry for all the questions but I'm not sure I understand what the outcome was after your court visit...:)

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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The court case was discontinue as they could not produce a Credit Agreement and a DN

 

They are saying I owe them money but its £2000 less than the amount claimed in Court

 

I not paying them anything

 

Did you have to sue them or did they just pay up ?

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The court case was discontinue as they could not produce a Credit Agreement and a DN

 

They are saying I owe them money but its £2000 less than the amount claimed in Court

 

I not paying them anything

 

Did you have to sue them or did they just pay up ?

 

So if they cannot produce a signed credit agreement for a judge to enforce the debt, how can they say you owe them money????? How are they planning to enforce it? Sorry, just a bit baffled LOL!

 

I went via the FOS with my complaint, I complained to Marbles first who would not uphold my complaint. Then once I had a final response letter from them, I went to the FOS. it did take over two years though, so be ready for a long wait.

 

You can go to court for it, but if you lose you then cannot go back to the FOS and start a complaint, so you must go the FOS route first.

 

Hope this helps

:D

9-1-07 S.A.R - (Subject Access Request) sent:o !! Lloyds and Halifax!

20-1-07 S.A.R - (Subject Access Request) sent Capital One

20-1-07 S.A.R - (Subject Access Request) sent Halifax Card Services

20-1-07 S.A.R - (Subject Access Request) sent Marbles

20-1-07 S.A.R - (Subject Access Request) sent Halifax (Birchave0's sis)

8-3-07 PPI refund Lloyds TSB Loan £1200 + £2900 off loan balance

22-5-07 Halifax *Won* £1025

23-9-07 Goldfish 8k balance written off, £2300 PPI + charges returned, no agreement

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you cant reclaim PPI on a debt that no longer exists due to no CCA etc.

what does your CRA file say?

 

i'd leave things be here and see what they try on.

 

they cant enforce a debt in court with no cca, but if they latterly find it then it might start all over again , then reclaim the PPI.

 

your £12k better off!

your ppi reclaim can only be off-set to the arrears sum BTW FYI.

 

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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