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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
      • 162 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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O2 Default- Getting my debt cancelled and default removed

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I was on an 18month contract with O2 back in 2008. I cancelled my contract due to poor service on their part. I constantly had to return a faulty handset & they refused to replace it with a new model until they eventually stopped stocking the said item. I had a faulty phone for 4 months.


Shortly after the contract was cancelled, I moved address, and inform O2 of this, advising them to contact me at this ddress with all correspondence. I never heard from them. I sent them a second letter and still heard nothing. I assumed they had cancelled the contract and wiped he debt. Several months later I moved to Australia for a year.


On my return from Australia I tried to take out a contract with another phone company but was refused. I checked my credit rating to discover that O2 had put a default on my account in February 2010.


I never received any correspondence from O2 the whole time I was in Australia (they had contact detaisl fro me) and I was never informed, or warned about the default.


I mailled O2 on discovery of the default. THe following day I received a letter from them telling me that my debt had been passed on to a debt company (Coincidence?)


I have since checked my credit rating again and now the debt company appears on there and has me down as missing a payment each month since Dec 08. I have never had any correspondence with with DCA.


Can I wipe this debt for any reason? Can I get the default removed from my file?


Any advice is greatly appreciated.

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Assuming you cancelled in writing did you ever receive confirmation of the date on which it would be cancelled?


Did you send your correspondence via recorded delivery and if so have you retained any of the receipts which prove that 02 received them? It'd also be helpful if you've copies of your letters to them to provide some evidence of the action you took to make sure your details were up to date with them.


As the DCA are now showing as having placed the default it is likely that the account has been sold to them; however, you should still be able to get any dispute handled by 02.


I'd first all ask the DCA to hold the account while you this up with 02 and if you take a look at this thread http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed-internet/268151-default-my-credit-report.html you'll see some contact details for the guys at 02 who deal with credit file queries.


Make sure you keep us informed of your progress.

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Thanky ou. I have contacted O2 and wil let you know as soon as I hear from them. As far as I am aware I did not give the DCA any permission as I haven't ever heard from them until recently and the only thingI have said to them is that I am disputing this with O2.

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It's usually done by providing permission at the same time as O2, where you allow them to pass your details or sell on the debt to third parties. The first option has been pretty standard since 1998, however this doesn't allow DCAs to treat the debt as if it was their own. I understand some networks amended their terms to allow this, so it is this you need to check.

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Now that the ball's rolling let's see where it ends.


If they don't come back with a favourable outcome make sure you escalate it and it's also worth considering making a SAR request to see what their records show compared to what they're telling you.


Fingers crossed.

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