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    • Do you want to shake your groove thing but don’t know any steps? Even dad dancing beyond you? Then order ‘Dancing with The Don’ and let Felon Trump teach you all the 'hottest moves Starring classic moves like: bashing your child, flossing your nostrils, shaking the cell bars, and pointy pointing    
    • 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
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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 
        • Thanks
      • 81 replies
    • 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.......Why are they so horrid.


tracyd
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The response to your CCA request is a little ambiguous at the moment and it's still not clear (to me) whether it's enforceable or not, so write back and call their bluff over what they've sent you. Something like...

 

Dear Sir/madam,

 

Your Ref: xxxxxxxx

 

I refer to your recent correspondence; the content of which has been noted.

 

Unfortunately, the document that you enclosed appears to be a microfiche copy of an application for credit, covering several pages and with no signature pertaining to myself linked to prescribed terms and conditions of a Consumer Credit Agreement (Consumer Credit Act 1974).

 

I would therefore be grateful for your confirmation as to whether you currently hold any original Consumer Credit Agreement pertaining to myself under the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR) and if not, to state clearly which documents you do have in your possession. If you do not in fact have an original Consumer Credit Agreement in your possession, then I would be grateful for your confirmation by return.

 

Yours faithfully,

 

By rec. delivery... :-)

 

This is Step 1.... If they come back and confirm or produce a copy of the original, then Step 2 would be a request for a complete breakdown of all monies alleged to be due, toegther with a full explanation of any post-sale charges added to the account since they've had it. They won't like that either.

Edited by PriorityOne
typo
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Hi.

SAR sent to BC. (the OC was Morgan Stanley, am I right in thinking BC have taken them over????) and letter from Priority one (as above) sent to HFO.

 

I have today received a Schedule of Litigation from HFO with the EX50 attached. Is this the usual threatogram?? have been looking at other threads and it does seem so.

Soooo what is my next move. Can they do anything as I am waiting for all the info to come back.

Thank you for any advice.

Tracy. x

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Usual threatogram which actually contains misleading information, you must report it to OFT and HMCS whose information they are using.

 

Await replies to the letters sent

Please support CAG and they will support you.

donate

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Just had a call from HFO. He said "Mrs. ......I think it is shameful that you are asking for this letter. You should be ashamed of yourself!!!!!!!.......I said can u put that in writing please and hung up.......cheeky barstewards.

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Just had a call from HFO. He said "Mrs. ......I think it is shameful that you are asking for this letter. You should be ashamed of yourself!!!!!!!.......I said can u put that in writing please and hung up.......cheeky barstewards.

 

:lol:

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HFO seem to be getting more desperate recently. It's not the only phone call like this I have read about, plus the new tactic with the questionaire in response to a CCA. Perhaps the walls are closing in on them.

 

Well done for the way you dealt with the phone call

My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

:smile:

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  • 4 weeks later...

Good Morning.

I have today received the information from my SAR request to BC. Please can you tell me exactly what I should receive within this request. All I have received is statements for the years until it was passed to the DCA. Is this what it should be or should there be all the other documentation such as CCA, Default notice etc. If so what should be my next action........I have heard nothing else from the HFO.

 

Thank you for any advice.

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There may be other documents to follow, such as records of manual interevention which should give details of exactly who this was sold to and when, amongst other things. They should also send any default notice and notice of assignment. How long is it since they received your request? You have to allow them 40 days and then you can chase up anything missing.

Please support CAG and they will support you.

donate

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Good Morning.

I have today received the information from my SAR request to BC. Please can you tell me exactly what I should receive within this request. All I have received is statements for the years until it was passed to the DCA. Is this what it should be or should there be all the other documentation such as CCA, Default notice etc. If so what should be my next action........I have heard nothing else from the HFO.

 

Thank you for any advice.

 

Does the statement show who the account was sold to?

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Mmmmmm I have just been going through the statements and I am rather confused to say the least.

The first statement is from 12/03/2005 and goes through to 13/07/2006......................It says on the all that the due date for payment is 13/07/2003.:???:

Then I have a statement showing 12 payments of £30 to Credit Solutions these are from 25/02/2006 to 26/02/2007...................after this there is statements showing just the outstanding balance until 04/02/2008 when it says DEBT SALE but it doesnt say who the debt was sold to.

 

I am baffled by this, any ideas anyone??

 

tracy.

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Hi P/O

No there is nothing at the side. It does say on the statement that has the debt sale that the closing balance is £4332.41.....it then says Debt Sale credit adjustment £4332.41 CR

and shows the balance as £0.00 :???: ........................... lol do you think HFO or whoever bought the it paid of my debt...:wink:

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shows the balance as £0.00 :???: ........................... lol do you think HFO or whoever bought the it paid of my debt...:wink:

 

No such luck..... the greedy bergers just wrote it off against tax and then sold it. I can remember raising a similar kind of logic with a creditor though...." if it says 0 on your balance sheet and you've written it off, then who am I paying and why?" Something like that anyway.:wink:

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I think that you need the records of manual intervention, when the 40 days are put you can insist that they provide any info that you think is missing but they may very well send some more stuff.

Please support CAG and they will support you.

donate

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I’m tempted to suggest that Barclaycard are now altering their records to hide the fact that many of these accounts were sold to Roxburghe. I’m tempted, but I won’t, because such a proper organisation as Barclaycard wouldn’t alter factual records to help out itself and HFO to hide the fact that the assignments are dodgy, would they?

 

Of course not.

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