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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
      • 161 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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HFO and Citifinancial Debt


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It would be really good if you could submit a complaint to OFT about the harassment and abuse of your personal data, if you have not done this already. Use contact details below and send the documents you originally got from HFO - email is fine.

 

OFT http://www.oft.gov.uk/

 

Mark for the attention of James Waldron

 

 

This helps when drafting a letter to OFT

http://www.consumeractiongroup.co.uk/forum/content.php?416-The-OFT-Debt-collection-guidance

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Hi Foxoidbox,

I am going through the same thing and am wondering where you are in the process with HFO, I recieved a letter from them today stating that I had 3 days to pay £1627 (original debt £500) otherwise my account will be escalated to legal desk etc. They also attached a copy of an Equifax credit report, however the debt was not even on there, just a list of previous tenants, very odd.

Do you think they are just trying to scare me or would they actually manage to get a CCJ?

Also I took out the Barclay Card back in 2003 and defaulted almost instantly, and as far as I can remember there has been no contact on the account, so I am think SB may apply?

Any help would be appreciated.

 

Thank you Ellie

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Hi Kitty_el

 

Welcome to CAG but can you start a new thread as it can be confusing to mix two people with similar problems? - instructions below, people will then help

 

Post new thread

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=167

It will then appear here and you can follow it

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?167-Debt-Collection-Industry

Please support CAG and they will support you.

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If they have not sent you a copy of the terms and conditions they can not make the claim for additional interest. And am not sure they can action without the T&C's being present - but will have to clarify that.

 

Yes you are entitled to statements, and you should recieve them annualy, at least.

You are entitled to request a statement ANY time. No statements = no claim. How can they prove what you do or do not owe?

 

You say in one of your posts that some of the handwriting is not yours - what document is that on and do you recall ever seeing it before?

 

As for the agreement the figures add up. BUT the PPI does not have a set of it's own prescribed terms, which it should have as a multiple agreement. (This "may" make it unenforceable but again will need to check detail).

 

Did you ever recieve a statement of price? this should be a breakdown of how much of your monthly payments goes to pay what part of the agreement.

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I asked HFO to basically send me everything surrounding the debt inc t&c's and statements etc. As its an old debt I do not have any of the original documents myself and cant remember what the original documents looked like. HFO only sent me what you have seen.

 

The date thats written under my signiture isnt my handwritting but i suppose this is irrelevent.

 

What should I do next?

 

Thank you :-)

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I asked HFO to basically send me everything surrounding the debt inc t&c's and statements etc. As its an old debt I do not have any of the original documents myself and cant remember what the original documents looked like. HFO only sent me what you have seen.

 

The date thats written under my signiture isnt my handwritting but i suppose this is irrelevent.

 

What should I do next?

 

Thank you :-)

 

Have you sent a SAR to Citibank?

Have HFO sent you a notice of assignment?

 

As regards of what to do do next - tbh i would do nothing. You do not have enough info to do anything, and they have not given you enough info to be able to come to any kind of satisfactory arrangement..

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Just had another look and noticed you have two seperate insurances included.

 

PPI and Lifecare

 

They have simply been lumped together as one price - how would you know the difference between the cost of each - you could not possibly have been able to make an informed decision. Plus they should have there own terms.

 

Looks like you could argue that it is unenforceable. Am sending a PM with info.

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Just had another look and noticed you have two seperate insurances included.

 

PPI and Lifecare

 

They have simply been lumped together as one price - how would you know the difference between the cost of each - you could not possibly have been able to make an informed decision. Plus they should have there own terms.

 

Looks like you could argue that it is unenforceable. Am sending a PM with info.

 

 

Without wanting to Hijack Dad, do you fancy pittng your heads together with the guys who have kindly looked at mine so far please?

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