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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. 

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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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Lloyds/Robinson Way Vs ME!!!

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Hello all, I come grovelling for help!


I originally came upon this site about 2 years ago and found it utterly brilliant. At the time, I wrote to 2 of my credit card companies, sending off my £1 to each to get my CCA. One was Marbles, the other lloyds. Both sent back various documents, none of which were the CCA's. My lastletter pointed out they were now in breach and not to contact me again until they had the documents. They both sent letters back saying they couldn't locate the original CCA's but would be in touch. I recently started receiving phone calls from Buchanan Clerk & wells over the Marbles Card, I told them that Marbles should not have passed on my details and were in breach of DPA. This morning I received a letter from Robinson Way stating unless they receive full payment for the Lloyds card within 10 days they will take me to court. Why suddenly after 2 years are they now threatening me? has anything changed?


What should I do?





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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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it looks like loyds have just farmed it out for collection, and you have rec'd the usual initial letter from a dca of no significance re court. you could send robbin the 'in dispute' letter.

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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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Canoeless, this is the letter:


By Royal Mail Recorded Delivery




Dear Sir/Madam,


Account number: XXXX XXXX XXXX XXXX




I am in receipt of your letter dated xx/xx/xx, the content of which has been duly noted.


This account is in dispute with **original creditor/DCA** and has been since xx/xx/xx .


Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998.


My previous dispute from **xx/xx/xx** has NOT been answered.


As **original creditor/name of debt collection agency** are now in default of my Consumer Credit Act agreement request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.


As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.


Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.


I would therefore respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.


If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.


After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines


I hope that this will not be necessary and an acceptable solution can be accomplished.


I would appreciate your due diligence in this matter and look forward to your written response.


Yours faithfully


Print your name, do not sign!


No one ever has to grovel here - I've learned that over the last couple of months. People are here to help and are genuinely sympathetic.


I hope that helps.


Best of luck,



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Thank you very much both of you!!!


What happens if they carry on and take me to court?







I wouldn't worry they still need original document to take you to court.

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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Send robbersway the in dispute letter, and make a formal complaint to Lloyds Lloyds TSB - Complaints procedure


They are currently top of the leader board for complaints at the minute Lloyds is silent on tide of complaints | This is Money


So one more won't hurt, :grin:.


Robbersway won't take you to court, they can't.

The only people who can issue you with court papers will be Lloyds themselves, robbersway are only acting on their behalf, unless they have bought this lemon?


Give Consumer Direct - Contact us a ring and they will pass on your complaint to the OFT and TS for you.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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just had them on the phone, i told them i'd sent them a letter outlining why they and lloyds were in the wrong. He said 'we need to get this paid within 5 days'


I said go on then, you pay it and put the phone down.

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I wouldn't worry they still need original document to take you to court.


Don't wish to be a killjoy but that will not stop LTSB. They can be quite aggresive or at least their pets [problem] are. They fight dirty in court and read this forum.

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Hi Cymru, I've just dug out all the old paperwork, their last letter (LLoyd's) dated 29th July 2008 in response to a CCA request reads:


Dear Canoeless,


Your Account number: XXXX XXXX XXXX XXXX


Please find the enclosed information:


1) Copy of current Terms & Conditions


I regret that we have been unable to retrieve the original application for your account.


Yours Sincerely



Senior Customer Service Advisor



Since then I've had letters from Sechiari Cark & Mitchell solicitors, 1st Credit & MHA collections, but nothing since March 2009. Now Robinson Way are on the case, acting on behalf of Lloyds, so they haven't even been duped into buying the debt!


I'm just worried about their renewed interest in me.

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In my thread which is quite long and ends in failure:mad: http://www.consumeractiongroup.co.uk/forum/legal-issues/190057-oh-bls-ltsb.html we had letters from BLS saying that they did not keep original agreements over 6 years. They produced an illegible copy of a microfiche that the DJ deemed sufficient.

LTSB appear to be chasing lots of things at present, maybe that is why their profits are increasing!

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if the alleged agreement is pre 2007, then they would need a signed agreement containing all of the prescribed terms to be enforceable in court.

have you done a sar to loyds? if not, you may want to consider doing this request to include a copy of any agreement. there is a template letter in the templates library.

also, did you get a dn for this? is it valid?

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Oh, right, thanks.


They sent me a default notice on 26th sept 2008, some 6 weeks after I sent them the follow up letter specifically telling them that the account was in dispute and not to put me in default......does this make a difference?

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is the dn itself compliant? eg, is in the proper format, provides at least 14 clear days to remedy, and the arrears amount is accurate.

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