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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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HFO Services/Capital/Turnbull barclaycard debt


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what a load of crap from a miserable overpaid Judge - this as stated above was a hearing for costs in a discontinued claim, why on earth was it adjourned - its not right or acceptable - the judge knows this - its just that he could not be bothered to miss his lunch or a evening meal to deal with this justly.

 

I hope these Judges will realise that the amount of stress and anguish they cause is often worse than the irresponsible actions of a creditor who, tries to bully a debtor to pay a debt which is unenforceable or taken to court wrongly and then dropped -

 

The judges seem to run on their own rules - its a shame - and irresponsible, that is where my faith in humanity seems to dwindle and wither away........WHERE IS JUSTICE IN THIS COUNTRY???

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In economics and finance, a Taleb distribution is a probability distribution in which there is a high probability of a small gain, and a small probability of a very large loss, which more than outweighs the gains. In these situations the expected value is (very much) less than zero, but this fact is camouflaged by the appearance of low risk and steady returns. It is a combination of kurtosis risk and skewness risk: overall returns are dominated by extreme events (kurtosis), which are to the downside (skew). The corresponding situation is also known as the peso problem.

The term is therefore increasingly used in the financial markets to describe dangerous or flawed trading strategies. The Taleb distribution is named for Nassim Taleb, based on ideas outlined in his Fooled by Randomness.[

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Will just wait for the hearing date to be confirmed now... not much more I can do. All of the evidence is in, two witness statements done and skeleton argument.

 

Ball in their court now to bail out... this will only get more expensive for them. Not sure how much they will have been billed for yesterdays adjournment but there's no way their costs will have to be met by me for it.

 

So far this has cost them...

 

£721.69 for the alleged debt

£200 for hearing

£75 AQ fee

£75 SJ application fee

£200 est. for yesterday

 

Could get slightly more expensive for them... considering that they allegedly discontinued because of the prohibitive cost I can simply raise the fact they are sending representation at significant cost disproportionate to the alleged debt they were chasing. I think their argument will not go down very well when it comes to the showdown.

 

Feeling more and more confident about this as time goes on to be honest.

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Hi Guys,

 

Sorry to butt in on an amusing converstaion here. Can I just ask about the apparent continuing involvement of Indian offices and call centres please?

 

My reading of the Data Protection Act 1998 seems to lead me to believe that it embodies the EU directives on personal data which again is reinforced by the Lisbon Treaty. This really boils down to the fact that personal sensitive data CANNOT be divulged to organisations outside the geographic boundaries of the European Union regardless of what "agreement" you are alleged to have signed. Hence once data is passed to an Indian group or anywhere else for that matter then it becomes game over for the creditor.

 

I know there are some nasties for British Nationals in the appendices to the Lisbon Treaty where as usual our lot have "excused" us mere mortals from a lot of the good bits like the extra consumer protection it provides.

 

Would be interested to see any comments you have.

 

Regards

oilyrag.:)

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Hi oilyrag,

 

HFO are "outsourcing" their call centres to India - I believe their registered office is now in Gurgaon.

 

We are more interested with the previous regime where HFO Capital have their registered offices in the Cayman Islands and Ireland.

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The SRA have informed me they intend to take my complaint about the dodgy document very seriously.

 

Tut tut Alice... looks like you're in trouble now!

 

Nice one VJ, will hopefully get time to get my complaint in tomorrow.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi Guys,

 

Sorry to butt in on an amusing converstaion here. Can I just ask about the apparent continuing involvement of Indian offices and call centres please?

 

My reading of the Data Protection Act 1998 seems to lead me to believe that it embodies the EU directives on personal data which again is reinforced by the Lisbon Treaty. This really boils down to the fact that personal sensitive data CANNOT be divulged to organisations outside the geographic boundaries of the European Union regardless of what "agreement" you are alleged to have signed. Hence once data is passed to an Indian group or anywhere else for that matter then it becomes game over for the creditor.

 

I know there are some nasties for British Nationals in the appendices to the Lisbon Treaty where as usual our lot have "excused" us mere mortals from a lot of the good bits like the extra consumer protection it provides.

 

Would be interested to see any comments you have.

 

Regards

oilyrag.:)

yes but the fsa and ico dont care about any eu directives i have complained to the on several occasions since the begining of 2007 and they are not bothered

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our freind barrington is the director of the indian co HFO his staff hardly ever get paid unless they can show determination and fearless attitude to get money out of the client repeat calls several in an hour if neccessary just get the credit card number onto their books

that is the gist of our indian freind conversation he is sending me a report sheet on how to get results and the tactics they are asked to follow i am hopeful he sends me the tactics sheet..even he thought it immorral in they way they have to speak to clients i will pass this on to all the crew via pm

patrickq1

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