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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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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Its getting worse!!!! going to payplan


Guest 47Barney
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Guest 47Barney

here thit is in all its glory FS, this is about the size of it ....please note this debt is pre 2004

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Barney.OK the Recon agreement element is unacceptable as it is very difficult to read and they are required to produce a legible copy with details that where correct at the time of the agreement,although they do not have to produce a signature.

 

Give me a few minutes and I will direct you towards a letter

 

FS

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Barney.Google OFT reconstituted agreements have a good read you will find it useful.

 

When you have done this write them and say the copy of the purported agreement is not legible,so it is not possible that you can accept this as an agreement and draw their attention to OFT guidelines on this matter.

 

Cannot find a draft letter

 

FS

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Blimey is that the quality of the agreement. Ask them for one that can be read.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 5 weeks later...
Guest 47Barney

If I am paying £80 per month for a £9000 debt and have been paying for years without missing a payment, would a DCA take me to court to increase the payment if I refused to increase it when the famous review comes around?

 

Cabot told me if I refuse to increase the payment they will take me to court and get a charge put on my house.....this was a phone call from cabot which i foolishly answered a few months ago I since CCA'd them and they have failed to come up with anything!! I am still waiting 3 months on and still making the payments.

 

I have had this question in my head for some time and am looking for an answer so if anyone can help? please.

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Hi

If cabot did take this to court and you showed what you were paying, they would look severely foolish and the judge wouldn't be too impressed either.

 

never believe anything that comes out of a DCAs mouth.

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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Cabot told me if I refuse to increase the payment they will take me to court and get a charge put on my house.....
Well the telephone jockey has missed a few crucial steps from that process. There's a little matter of them having to obtain a CCJ first, then you would need to default on that. ;)
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Guest 47Barney

Thanks for the very quick replies to this question.....I shall sleep a little better tonight!!!

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The Office Of Fair Trading make it quite clear -

 

Physical/psychological harassment

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

f. pressurising debtors to pay in full, in unreasonably large instalments,

or to increase payments when they are unable to do so

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