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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.

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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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is there any time limit on payments


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I defaulted on a credit card and have been paying regular nominal payments to a dca,having wrote to them and asked for paying in books and statements of how my account is progressing I get no reply/is there a limit to how many years i make payments for?

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Hi,

 

I'll move this thread to a more appropriate Forum.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi,

I was under the impression that DCA's had to send a yearly statement.

 

While a debt is outstanding and you are paying, there is no time limit to how long it goes on (unless it's finally paid of course)

 

If you were to send a CCA request to the DCA, they are supposed to send the agreement plus a statement of account.

 

How are you paying at the moment? If it is by direct debit-cancel it

 

If you haven't been sending letters by recorded delivery, they will deny ever receiving it

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Set up a bill payment with internet banking if you are able, or a standing order, a direct debit gives them carte blanche to take what they want,

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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Hi, putupon12.

 

Just continue to post here ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Have you any idea of how much of this debt is made up of charges which you could reclaim. If not, SAR barclays

 

Are you still being charged interest?

 

can you name the DCA

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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the original debt demand was for £4000.And I think my credit limit was £2200.I am not sure about interest being charged as they have not answered my letters.the dca is connaught collections croydon,I have never seen statments just a demand for the debt.

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The 6 years you are referring to is the limitations act 1980 which roughly states that if NO payment nor any acknowledgement of a debt is made in a 6 year period(5 years in scotland) then the debt is Statute Barred.

 

This is not the case with you as you have been paying.

 

Personally (and others may disagree) I would be making sure that Connaught had the right to be collecting this debt and to make sure all the paperwork is in order.

 

To do this, send a CCA request. Letter 8 here:

 

The Consumer Forums - Debt collectors

 

With all letters to DCA's, you need to send them Recorded Delivery.

If you need more help, just shout. Loads of people have been in this situation.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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