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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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Welcome finance


misssteel
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That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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agree with that

where the rest of it!

 

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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Will respond tonight in writing.

 

 

Will I be correct in saying they haven’t supplied me with my full SAR and they need to respond with my records dated from 2006?

I won’t need to make any further payments for this will i?

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no

send the failure to comply 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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Share on other sites

yes dca template library

 

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

  • 4 weeks later...

ops missed this

 

you nned to remove agreement numbers and branch stuff too

 

just leave figures and dates

 

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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you dont need to rescan

just use paint or wHY to blot out your details

 

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 would take down the attachments in the meantime too never know who is reading and what they could do with the information

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Unapproved the post.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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god they have stuffed you well

 

you need dj1973 on board for this.

 

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

sorry its dj1971

 

send him a pm

use the search to find him here

thgough with the new software here we appear to have no search nor user cp.............

 

 

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

use the search here

 

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

So this is where you been hiding misssteel,

 

Obviously have located your thread, so ignore IM.

 

Have had a look at your documents and just want to make sure I have all the right info. Some of the documents are really difficult to read.

 

1) You have had 4 loans with welcome. First one taken out 11/02/04 for £1,500 and you were charged £342 for PPI. Total monthly repayment was £116.15 pm and interest rate was 48.7% Loan was to be paid off over 24 months.

 

2) Loan 2 was a top up loan on 01/07/04. Outstanding balance from previous loan was £1,760.58 and you took a further loan of £1,239.42. You were charged £861.02 for PPI, monthly repayment was £167.09 and interest rate was 36.4% Loan was to be paid off over 36 months.

 

3) Loan 3 was again a top up loan on 06/04/05. Balance outstanding was £2,751.66 and you topped up with a further loan of £1,239.42. You were charged £861.02 for PPI, monthly repayment was £167.09 and interest rate was 36.4%. Loan was to be paid off over 36 months.

 

4) Loan 4 was another top up on 14/08/06 of £2,300. You were charged £1,782 for insurances which would end up costing you £2,724.71 with interest. Repayment per month for the insurance was £75.69

 

 

Is all the above correct misssteel, and is there anything I have missed?

 

DJ

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Hi DJ1971!!!

Good to hear from you and thank you very much for your response, I really do appreciate it!

I've just gone through the paperwork and yes your correct on all points, they really done me over didnt they?

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Indeed they have misssteel,

 

However, the good news is you can claim at least some of it back.

 

I have done the following calculations for you:

 

Loan A

Total cost of PPI £541.56

Statutory interest@8% £267.43

Total £808.99

 

Loan B

Total cost of PPI £1,426.84

Statutory int. £362.14

Total £1,788.98

 

Loan C

Total cost of PPI: £1,426.84

Statutory Int £274.58

Total £1,701.42

 

Loan D

Total cost of all insurances: £2,724.71

Statutory Int: £228.73

Total £2,953.44

 

Total amount you claim back from Welcome: £7,252.83

 

You can if you wish use this amount to settle your current loan in full and pay you the difference by cheque.

 

Or, Welcome will deduct the amount of arrears on the current loan and pay you the difference by cheque.

 

Entirely your choice which way you choose to do it. But personally, I would outline what way you want the refund made in your letter to Welcome.

 

Now go get what you are due.

 

Good luck

 

DJ

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they have to pay it back basically

 

i simple letter detailing the above figures ill do [but insert correct a/c numbers

 

sadly they might drag their heels but you'll get it in the end

if after 8 weeks they dont cough, you can goto the fos

 

have a read of a few ppi threads here in this forum or in the ppi forum

 

see what others did, thats the best way

 

the more you read the stronger we become

 

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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Misssteel,

 

As Dx has already pointed out, Welcome have a bit of a reputation for dragging things out. Presumably in the hope people will give up.

 

There is no template letter for re-claiming ppi that I am aware of.

 

Just write something simple stating the reasons you believe you were mis-sold the PPI and requesting a full refund. Also attach a copy of the calculations I have shown you.

 

Good luck

 

DJ

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Thank you Guys!!!!! I'm all fired up now and in the process of putting this into a letter- welcome finance should have this special delivery tomorrow!!!!

Will keep you posted! Thank you again DJ1971 and DX100uk

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