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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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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recently I received a letter from hfo demading I pay an amount of £1800 in the next 14 days, i sent a cca request for information on the debt. 2 days ago I was given a message at work to say hfo had called my work and asked for me to contact them, I did call them and they said this debt was for an old loan from 2005, i did have a loan bac kthen but it was nowhere near the figure of £1800. I told advisor that id sent cca request and wouldnt be doing anything until received proof of this debt, he then offered me a copy of my credit report instead of cca i declined this, i also asked them not to call work again as I had provided a personal telephone number, the agent put me on hold then hung up. Can hfo contact me at work because this makes me uncomfortable and work wont be too pleased, also the amount they're stating the debt is seems way too high is there anything I can do about this?


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No, they cannot contact you at work and specifically should not as you have requested they do not. Formalise this in writing.


Moreover, do not speak to them on the phone unless you are recording it! They will lie and cheat and wrap you up in knots.


He should not be offering you a copy of your credit report! This is your personal information - they cannot access this at will to use against you! Complaint to trading standards and the OFT about this. It's a serious issue.


Have you had any previous contact regarding this alleged debt, such as a notice of assignment?


If HFO Capital/Services own this, you should have been informed in writing.


Was it a Sainsbury's loan by any chance? Did you receive a default notice? You need to SAR the original creditor, or call them and find out exactly to whom and when the account was sold.


You are dealing with a box of slimey monkeys here - it's National HFO Insult Day as far as I'm concerned, every day! - so be prepared to go on the attack.


Tell us as much about the history of this account as you can and let us know about every bit of correspondence, and we'll work out which are the best letters to send. Post up the letter you mention or transcribe its content. When was the CCA request sent?

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they said it was for welcome finance, I did default back in 2005 when lost job etc , I am willing to pay anything I owe but I think amount was only around £200/300 not £1800. This is the first time I have heard anything about this debt since 2005, never received an original default notice or a notice of assignment as moved address, the letter demanding payment in 14 days was the first I heard,then the phonecall. will send sar letter do I do this now or wait until hear back from hfo about cca? thanx for your help pretty clueless about this

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If HFO recorded a default in 2005, then the debt would have been sold - allegedly - to HFO Capital Ltd in the Cayman Islands.


That's the date of the default, which would be when it was defaulted by Welcome. When was it actually added to your file by HFO?

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  • 2 weeks later...


I sent mt cca request on 23rd april ,and hfo rang me on 26th and ended up hanging up on me havent heard anything since,what do I need to do now just wait?. Also checked my credit file and hfo put default for £1200 on in nov 2008 (which was still way more than original debt) however the letter they sent to me on 23rd april was for £1800 can they put this amount of charges on?


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This sounds like it is statute barred, HFO are known to trick people into 'admitting' they owe money which DOESN'T reset the clock again.


Report them to Trading Standards via Consumer Direct, they currently DO NOT have a credit licence and are breaking the law in a lot of fronts, as well as breaking the OFT guidelines on debt collecting, so report them to the OFT as well.

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A subject access request is needed to the Original creditor to find out exactly what the debt is for, when the last payment was made etc.

It will be statued barred after 6 years from last payment or acknowledgement of debt

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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I have received what I think is a credit agreement, how do I know if it is enforceable? Also original loan was £750 I did make payments on this originally ,but debt agency are saying £1800 can this amount be correct?

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That will make good hamster bedding!:lol:


I can't see any 'Right to cancel' and where are the terms and conditions they mention overleaf?


And I have no doubt that there will be plenty of others who will pick holes in this alleged 'agreement!'

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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