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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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Lewis Group/HFC


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Can i reclaim the default notice fee for example? Cheers!

Do you know the basis on which you can reclaim any of the charges? I say this because it answers your question...:-)

The matrix is intrinsically flawed. Within it is the program for it's own destruction. If you are reading this, you are in the matrix and it's days are numbered...so watch out! :eek:

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yep those fees.

 

so if you totall them up + add 8% [if anything else]

what do you get inrelation to the bal o/d

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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yep those fees.

 

so if you totall them up + add 8% [if anything else]

what do you get inrelation to the bal o/d

 

Thanks dx. Will do so in the next few hours.....but.... have just recieved a letter with I think an enforcable CCA :-( So looks like im going to have to reclaim in any case!

Will post up shortly for inspection.

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i take you have the other 2 pages/ [the T&C's?]

 

dx

that looks like a std PC world agreement signed instore at time of purchase.

 

per's i'd get those charges back+int at the loans APR rate

then i doubt they'll go anywhere near court for £150ish

 

if you wished then offer £5PCM.

 

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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i take you have the other 2 pages/ [the T&C's?]

 

dx

that looks like a std PC world agreement signed instore at time of purchase.

 

per's i'd get those charges back+int at the loans APR rate

then i doubt they'll go anywhere near court for £150ish

 

if you wished then offer £5PCM.

 

dx

 

Hi dx. Yes its a PC World signed agreement instore as noted. No, havent been sent pages 2 and 3 with t's and c's. Would/does that make a difference?

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a hell of a lot

makes it un-en for a start

the T+C are PART of the agreement so thus PART of the CCA request.

 

no compliance = non payment.

 

TBH i dunno why you're spending time on this faffin around

they've had 15mins of fame

 

get reclaiming!

 

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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a hell of a lot

makes it un-en for a start

the T+C are PART of the agreement so thus PART of the CCA request.

 

no compliance = non payment.

 

TBH i dunno why you're spending time on this faffin around

they've had 15mins of fame

 

get reclaiming!

 

dx

 

LOL! Point taken...let the reclaiming commence! :whoo:

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i hope you used THEIR int rate compounded?

 

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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Share on other sites

i hope you used THEIR int rate compounded?

 

dx

 

Ive added up the charges plus 8% to give me the £124 figure.

On the info they have sent the interest rate is 21.8%. Is that what I am looking to add on?

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yep!

 

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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Share on other sites

only after you either issue court papers or go to the FOS

 

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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Share on other sites

only after you either issue court papers or go to the FOS

 

dx

 

Cool. :-) Just to get this right (as im re-calculating all the charges today) -do you add the 21.8% to each individual charge or to the total sum? Secondly,- only add the 8% on top if issuing your N1? Cheers!

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at THEIR rate from the date of each charge to the date of the claim

 

use:

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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