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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.  

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      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.
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      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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Lowell Portfolio 1


nishi
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I have recently received a letter from Lowell portfolio 1 claiming that I owe them £736.33 due to a debt they bought from Sygma bank. This debt, I had thought, had been cleared by a debt consolidation loan, which was fully paid off in january 2009.

They had originally sent a letter regarding this about a month, maybe 2 months ago, and I said I wanted proof. They sent me the current letter along with some copy statements dating back to 2006. 3 of which are duplicates. All of which show only interest for cash, interest for purchases and insurance premium. another page shows ***no description found***

None of the statements provided show an actual purchase I could have made, I;e; a purchase from a store.

I need to know what to do now. whether I can challenge this or not?????

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no, they havent sent any of that. what would i write in one of those letters requesting one??

 

Their letter is worded as follows...

 

we write in respect of the above debt, which as previously notified in writing we have purchased from sygma bank uk

we are now entitled to receive the payment of the balance of £736.33 from you and enclose a cpy of your statement as requested. neither sygma bank uk nor ourselves are aware of any reason for non payment.

please kindly make payment of the outstanding debt or contact us within 7 days of the date opf this letter to agree acceptable payment proposals, failing which we reserve the right to instruct our solicitor to issue legal proceedings against you without further notice.

yours sincerely...

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  • 3 weeks later...

How would I check that??

The most recent letter I received on the 14th of September was as follows:

Dear Miss Jones

News on your credit agreement request

We have been in touch with Sygma Bank UK about the copy of your credit agreement.

They have let us know that they are trying to retreive the agreement from their archives.

As soon as we have it we will send it to you

What will happen next

In the event that we cannot obtain a copy of the agreement we will wrote to you again and inform of this. once you have seen your credit agreement we will ask you to pay your outstanding balance in full.

yours Sincerely....

I am now going to send a copy of the "account in dispute" letter...

Thanks for all your help on this by the way. Im expecting twins, and have been saving like mad for my pram. If I have to pay this, then Its making things very tight indeed!

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  • 5 weeks later...

Hello again.

 

I received a letter from Lowell Portfolio today which reads as follows:

 

Dear Miss Jones

We refer to your recent request for a copy of the original credit agreement for this account

After liaising with sygma bank uk in an effort to obtain this document we have been advised that it is no longer available due to the legth of time since the account was opened with you

At this time we have closed our file and will not make any fuirther contact with you concerning payment against this account unless the copy of the agreement is received at some point in the future from sygma bank uk

 

sincerely.....

 

So I guess thats it then? case closed? I won?!!

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