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    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
    • I told the DM that the room was not acceptable because of the reasons already mentioned. He informed me that they were full that night and that they could move me to the room next door (would not solve my problem with the rooms location). Told the DM that I could not stay in the room provided for the night so left no option but to leave. DM did not reply and I walked out.  
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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.

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      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
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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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Shop Direct CCA, is it correct? I am confused now!


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thanks tingy. The account is already in dispute and their latest letter is denying and problem. Can i point out my disappointment with the cca in the same letter as the sar request or should they be kept separate? Perhaps in the form of a complaint.

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Hello Tingy, good evening to you :-)

 

I have uploaded both pics as i wasnt sure which one you meant. Interesting heading on the cca one with use of the word 'request to invoke credit agreement'.

 

Thanks!

 

ccadisputereply.jpg

 

paymentofferrefusal.jpg

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thanks tingy. The account is already in dispute and their latest letter is denying and problem. Can i point out my disappointment with the cca in the same letter as the sar request or should they be kept separate? Perhaps in the form of a complaint.

 

Hiya MM,

 

They honestly have not got a leg to stand on if they think that complies with a CCA request. In your CCA request you asked for a copy of the original credit agreement which, by law, they have to supply within 12+2 working days. In their response they say They've already supplied you with this at the time of opening your agreement. This is 100% totally irrelevant. They have to supply it again, NOW as per your request.

 

I would send a very strongly worded letter pointing this out and stating that the account is already in dispute. If you would like I'm more than happy to put a letter together for you. They should not be persuing any collection activity on the account until the dispute is resolved -ie- until they have sent you a copy of your original agreement either true, or reconstituted.

 

Also note it says your account MAY be passed to external collection agencies, not WILL be - I suspect they know full well they can't comply and are trying to scare you into making payment. As it is in dispute you do not have to pay a penny until the dispute is resolved.

 

If you want any more help give me a shout.

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The devil could be in the detail with regards to their point one i guess. I assumed they were referring to the cca they sent me dated 2007 but now i re-read it they are saying they have sent it at the time of opening and what they have recently sent is an update! Good spot indeed.

 

In fact, if i was to go by their latest version of an agreement then it doesnt mention anything about the many 12 pounds they have added to the account over the last year and the only mention of apr is at 0%. Cheeky monkeys. Why on earth dont they let me just make the payments i can afford and let me pay of this debt instead of playing silly boogers :?:

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hi tingy, i have just been reading and it scared me lol. I nearly choked on my tetleys haha. I will send it tomorrow and post any replies up as and when i get them. In light of that letter do you think i should resubmit my payment off or wait for a reply? Very grateful for your help though tingy, hopefully i will be able to return the favour one day :)

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Well i am happy to pay it back at payments i can afford.

 

So another letter, headed PRE ESCALATION (yes in red) dated 15th feb telling me i have to pay TODAY or by the 21st feb else it will be passed to Nationwide Debt Recovery and there will be nothing else they can do to help me. Sadly i didnt get it until the 23rd so i think my chance has gone! Second class post as well, dear me.

 

They say they are disappointed i have made no attempts to pay, they seem to have forgotten that they refused my payment offer of over 20 quid a month. So, should i get a default notice or is this just a department down the aisle? Surely if they are selling the debt on i should get a default notice!

 

Still waiting for a reply to your last letter Tingy by the way.

 

Cheeky monkeys :wink:

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Hi MM,

 

I think these have just crossed in the post. It's one to ignore anyway. If they pass it on then we just deal with a different bunch of people, if you don't get a NOA then we send a Prove It letter, if we do then we send another CCA request which we know they can't produce. Into dispute, job done then wait till it's passed on again.

 

I suspect they will reply to that letter though.

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Evening Tingy & BB. I suppose it is a form of fun in its own way lol, No point getting down about it thats for sure! Now i have seen the various templates many companies and dca's send out i dont think i will get so spooked by them.

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Oh well, another day, another letter. This one is in a nice shade of blue though which is much more pleasant. Amusingly they want to discuss a payment plan too, i am almost minded to phone and offer the one kays already refused but i think i will wait for a reply to tingys awesome letter before i do anything.

 

I imagine this is just another desk down the hall anyway. I will post it purely for diary purposes.

 

**Think i had better turn the resolution down on the scanner, these pictures could have some poor souls eye out they are so in your face **

 

 

ndr_26feb2011BMP.jpg

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Oh well, Tingys letter still hasnt been classed as delivered or signed for so i will have to send it again. Come on royal mail. Sort it out, this is happening more and more often!

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Maybe you'll have to send it again, or as often happpens with recorded delivery, maybe it got there in the middle of a bunch of letters. The only way to Guarantee delivery is Special Delivery which costs a fortune. All you need for court if it got that far is proof of posting and you've got that. Up to you really whether you resend it.

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