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    • god they've got at you haven't they. told you all the usual utter BS. a CCJ vanishes from your credit file on it's 6th B'Day regardless to being paid off or not or paying or not. same with any debt with a registered defaulted date - it vanishes from your file on the DN's 6th B'day regardless. creditfix are Knightsbridge, (they renamed) there are 100's of threads here on Knightsbridge, if i remember rightly 2 of the directors of a certain very big IVA provider were struck off for embezzling £1m's out of debtors. pers i'd stop paying now.  end of . just ignore them all. 99% of your debts are to utterly powerless DCA's and probably were never owed in the first place only goes to firm up my belief from post one..you got had blind. its very easy to deal with the debts even those with CCJ's. can you copy and paste what you credit file says regarding the IVA please?   
    • Sorry I meant credit fix - I really wish I'd known this before - kicking myself right now  If they come back to me asking for more money I'll cancel it and start trying to deal with the debt myself let's see what they say  Feeling tempted to cancel it now but scared that some of the debts will do more CCJ's on me and I'll have to wait 6 years again.  2 of the CCJ come of this year and then I'll only have the iva in credit file - effectively if I'd have not took out the iva in 2021 I'd have clear score by now - but then again would I because I would have been hounded the last 3 years, as bad as it is it's saves me lots of headaches whilst my debt was still within the 6 year mark.  I think most of them are near there but in all honesty no point chasing them if I do cancel iva I'd jjst wait for the ones who contact me and then start the relevant letter process on them.  Of over 6 years easy if not still possible to write off. My true victory would be having the iva wiped off my credit file as mis sold or something that way I Don't have to wait till 2027 Other option is to fight back and ask for them to offer the creditors to accept payments so far and use the following method    Will your IVA firm agree to complete your IVA on the basic of funds paid to date? The Guidance lists a lot of factors to be considered in deciding whether a settlement on the basis of funds paid to date should be proposed. You should read the list. But that may not give you any feel for whether they apply to you or not. The following are my thoughts on when an IVA should be treated as settled, not failed. They assume that you have £75 or less to pay a month: if you would currently qualify for a Debt Relief Order, then your IVA should be settled now  There is no point in making your IVA fail and you have to apply for a DRO – it will not generate another penny for your creditors. If you are renting and owe less than £50,000, check the DRO criteria now and talk to National Debtline on 0808 808 4000 about whether you qualify. You may have been told at the start of your IVA that you aren’t eligible – still check now as the DRO criteria have changed, your situation has got worse, and some people were given incorrect information about DROs at the start. if you have no assets that would be realised in bankruptcy (eg a house with equity, car worth over £2000), then your IVA should be settled now Same as (1), there is no point in making you apply for bankruptcy after your IVA fails. if your only asset is a car that is worth less than £8000, then your IVA should be settled now A car that is worth say £5000 would normally be sold in bankruptcy and you would be given a small amount to buy a cheaper car. But your creditors would not get any benefit from this as the Insolvency Service takes the first £8000 raised to cover its own costs. if you have significant assets, the closer you are to the end of the IVA, the less reasonable it is to fail it If you have been paying your IVA for 4 years, you have done your best over a long period. It isn’t your fault you can no longer continue. The fact you may have had equity to release isn’t relevant as that simply isn’t going to be possible. if your situation will clearly improve soon, then it’s unlikely your IVA will be settled I mean real improvements, not hoping that prices fall. If I can get them to accept payment to date or threaten with cancellation hopefully they may accept it -  Other option is to try and borrow money and pay make a full and final offer  Or I can just ignore and hope for the best which I'm very tempted to do especially if they respond to my review with bullying tactics despite me being skint as a fart with no mortgage as renting  It's so stressful but I've just checked the iva agreement from 2021 and it's Cabot 2 accounts Lowell about 5 accounts and then lots of repeats of the same debt with for example zopa and Cabot same amount listed twice -  also loyyds banks but I'm sure that's older than 6 years and not on credit file anyway  If I can somehow remove the iva from my credit file I'd be happy 
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      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.

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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.

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      This is good ethical practice.

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Fault with car after 3 months


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They have now confirmed a wheel bearing requires replacing at a cost of £227.

 

Obviously we must be talking Bentley or Ferrari here, where has the £200 part of the cost come from.

 

I do not want to pay for this as it is my opinion and that of the garage that this fault would have been present at time of sale

 

Faults that appear in the first six months are assumed to have been present at the time of sale.

 

I want to make a big point about the warranty. As Sam has pointed out, the warranty has been mis-sold and you must insist on a ful refund for it.

 

Is there any finance attached to the car?

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The repair price quoted seems about spot on as many of these items now come pre-fitted to the hub. It's the part price that hikes it as the labour is only an hour or so on a FWD car, if that.

 

I agree if half the car comes with it. What happened to replacing just the bearing, you can get an SKF for about £35.

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I've changed one on mine this PM as was rumbling for a while and getting worse. ( did 6k miles on it though!) Manufacture quote was £189. Did it for £28 and 3 hours sat in the sunshine. Was nice to get hands dirty again and to prove to other half that "the tools you never use" actually do get used when you need them. No doubt the saving will be spent on yet more shoes, or a new unecessary hand bag...............:rolleyes:

 

 

Have to agree it is nice to be able to sit in the sunshine and do these things at your own pace and drink coffee etc without having to worry that the bill will be high.

 

When you explained about the 'tools you never use', did you go get her rolling pin out and hand it to here saying 'here have a go' :)

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  • 3 weeks later...

Don't be surprised if your rejection is turned down. You only have a short time in which to reject and you are now passed the 4 month point and can be deemed to have accepted it.

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However, going back to the post, wheel bearings would be a normal warrantable part and as such for the first 6 months needs to be covered by the dealer.

 

This is the crux of it all. For the first time I will agree that the warranty is not liable to pay out for this as it is fair wear and tear and the mileage would back this up.

 

I am still using it until the point where I reject the car.

 

So the dealer has managed to avoid me being able to reject the car based on a fault which happened in the first 3 months by just ignoring me?

 

But you haven't rejected it. You are still using the car and depreciating it, so even if rejection was accepted, you will lose more than the cost of this bearing replacement by the AA garage anyway.

You are getting what the regulations call 'enjoyment' from the car and that will reduce the amount you can claim back.

 

As I mentioned in an earlier post "Faults that appear in the first six months are assumed to have been present at the time of sale."

During that first six months, it is up to them to prove the fault was not there at time of purchase.

 

You're dragging this out too long. You must write asking when you can bring it in for him to repair at his cost under the Sale of Goods Act. If he fails, then you can write again informing him that you will take it to the dealer for repair and the bill (which is likely to be higher than the AA garage), will be sent to him for reimbursement.

 

If he refuses to pay then on to the small claims court.

 

It is a simple matter to issue a small claims on line for money and much simpler than going to a court to attempt to force a rejection claim.

 

Don't waste any more time, get the letter typed up tonight and posted in the morning. The longer you leave this the more difficult you are making it for yourself.

 

Don't forget - Recorded Delivery.

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