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    • thought your story rang a bell. https://www.consumeractiongroup.co.uk/topic/416315-knightsbridgecreditfix-iva-treated-me-very-badly-thinking-of-bk-now-help/ you vanished and never cameback. dx  
    • and it legally informs them of your correct and current address as you must do with all old debts last paid/used in say 7 yrs you dont want backdoor CCJ's. what were the names of these IVA scammers, the one you took it out with, and the one that scammed you to let them take over please? your story is slightly worrying. dx  
    • Incidentally, congratulations on not buying the warranty. That is another Big Motoring World rip-off. See what we have to say about extended warranties and the Big Motoring World attitude to them is particularly unhelpful
    • well that google is from 2019, but the photos are certainly of someone driving on the public highway in/out by an ANP system, though the site of where the camera actually is, is not showing there are anpr cameras up by the low yellow barriers but they wont get from facing shots from there. interesting, needs to be checked if the road IS a public highway but on private land, cause as you say, if the whole area is max 4hrs , how does the hotel work< ?? must have a reg entry system.  now as for taking pictures of cars on a public highway then guessing the are parking ...erm.... i dont thnk thats right nor allowed under GDPR. dx  
    • Under the consumer rights act 2015, if a defect manifests itself within 30 days and you have a right to return the vehicle for a full refund. If any defect manifests itself within the first six months of ownership then you have a right to return the vehicle for a full refund subject to the retailers right to carry out a repair. If the retailer declines to repair or if the repair fails then you have the right to return. The problem here is that you have to assert their right. It's a bit ridiculous – but you have to do let them know preferably in writing that you are asserting your rights under the consumer rights act either the 30 day right or the six month right. I suppose that you haven't done this – which would be quite understandable because most people don't know that these rights exist and that they are subject to these conditions – the condition that the right must be inserted. It is frankly ridiculous. The dealers know it and we have lots of instances of this company delaying appointments et cetera and our strong suspicion is that they are simply trying to run their customers out of time. On the basis that you haven't asserted your rights, we now have to look to ordinary contract law. You are entitled to purchase a vehicle which is of satisfactory condition and which remains that way for a reasonable period of time. Clearly it is in satisfactory. They are blaming you. Has your independent inspection identified the reason for the defect? This will be important because as you have seen BMW are already saying it is down to your driving and you are going to have to produce evidence that it wasn't down to your driving and the you drove it absolutely reasonably and it was simply the condition of the car. Have you been without the car for any period of time. Is it driveable now? If the car was off the road for a substantial amount of time and was still off the road then you would be able to argue that this is a fundamental breach of contract and that you have been deprived of substantially the whole benefit of the contract and therefore you will be entitled to treat the contract as breached by Big Motoring World and insist on cancelling the contract. It may be that you will eventually be obliged to keep the car but have the repairs paid for. Have you had any quotations for the work that needs doing? I asked you questions about the MOT – but you haven't responded.
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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
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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.
      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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albion collections please help


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Hi yes if want to continue the payments it is the way.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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but it costs you more..

 

pers i'd stop

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Through your bank, it costs nothing to set up,you just need the payee's bank details.

Sending cash through the normal post is never a good idea, and you have no proof that it has been delivered.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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This is same as I do, all my creditors now except payment by standing order. The transaction goes into their account, the only reference they have to me on the payment is their own reference number none of my bank details. They may howl when you tell them you require their bank details and will pay by no other method.

Works for me and many other CAG members, it aint arf nice to have one over on them for a change.

 

dpick

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They cannot trace you by any data on a standing order. I have all but one of my accounts paid by SO rather than DD

and all have accepted it. ( these are not disputed,defaulted or any other problems) just my normal day to day

financial accounts itr puts you in total control the creditor cannot change the payment amount in any way, credit

cards a set at a payment level that will always meet the minimum payment and a bit more.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi - I pay mine by cash at the bank for a loan and CC. Like to keep the real workers in a job and you get into nice conversations when you hand over so little.

Keeps me amused - but since coming to this site definitely never DD.

 

Intend

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You must live in a town our village has not had a bank for 15 years, but unusually we have two

post offices.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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if you are using post office redirection, your credit file ALREADY KNOWS WHERE YOUR ARE/

 

opps caps....

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I did not know that DX, does the Royal Mail feed the info to the CRA's?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yep i've certainly read that here several times.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I was told that it was an anonymous service I have for reasons used

''Post Restante'' service for some post involved with work, I will now query this with

higher authorities, thanks for the info.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I does nto take very long to trace somebody even with the scantiest of details

known about them, just use 192 people and if you have name and or postcode

you can find who lives in the house, who lives with them time about 2 minutes.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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im not on the electoral roll i checked 192 and the last address on there for me was my mums house 4 years ago she has moved since as she remarried and only her new husband is listed at that address not her

i just dont want someone after me makes me so scared

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David,

Please don't let these idiots get to you debt collectors of any type have no powers at all,

they are not bailiffs, officers of the court or any thing at all official.

I they should by any remote chance visit your home refuse to answer any of theirsecurity

questions and order them off the property.

Harassment is an offence and should be reported to your local police.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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thanks

im trying to not let it get to me but its hard

i do hope they dont try to go to court as i can only pay £1

if they did, would i have to sign a form before they could go to court? if i dont answer door they cant get to me?

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thanks

im trying to not let it get to me but its hard

i do hope they dont try to go to court as i can only pay £1

if they did, would i have to sign a form before they could go to court? if i dont answer door they cant get to me?

 

If they do take it to court, then your circumstances will be looked into and if £1 is all you can afford to pay, that is all you will be instructed to play.

 

As previously said in this thread, these "people" can do nothing to you unless it does go to court. They have no right to entry to your home, they are not bailiffs, they cannot take any property from you. They are bullies and are just trying to panic you into paying them.

 

Deep breath, and let the guys here help you. :-)

Today is the tomorrow you worried about yesterday, and all is well!

 

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Exactly right Tootles,

 

David, Remember these muppets have NO POWERS WHAT SO EVER they baffle you with IF'S, buts and could be's,,,, but in the end they can do nearly nothing. That is why today a lot of them are going out of business, the consumer is taking over,,, I am old enough to remember when they went around in Van's with Debt Collection written over them, my god, if we had only known then what we know now, and I am talking the 70's..

 

These BAD-BOYS are like the Dinosaurs, they will eventually have to adapt or die.... and I think they will die out as they have had decades of our ignorance blow up in there face's. Debt today is not a stigma as it used to be, but I even remember my ex brother in law taken to court in 1979 by a certain Mercantile credit. We thought it would be the end of the world I was on leave from the Army at the time and came with him for support,,, Well even then the Judge was sympathetic to him and told the lawyers of the said company that they should have been more rigorous in there lending criteria and that the poor fella had four kids to bring up and that he would order what today could only be described as token payment. £0.40 per month on a bill of £250 something,, and the best part was the judge told him if he had any worst financial trouble go back to court. TRUE TRUE,,, he could not get over how nice the judge was and the unbiased way the judge looked at his income and outgoings. Yes a CCJ for six years, he is now a successful business man with his own house etc...... For me two lessons there, One the Judge was a very far sighted man who could see even then what lending to people without really examine there finances could lead to. Also he still had to live and that there debt was unsecured and they took a risk and that payment was based on what he could afford.

 

So as these great people on this site say, don't be afraid of the courts if it ever comes to that. I own my own property so I should be more scared than most but hey,,, negative equity etc even those dreaded charging orders can be a blessing in disguise. YOU TELL THEM WHAT YOU CAN PAY, NOT THE OTHER WAY ROUND...

 

KEEP SMILING DAVID, you will end up after this stronger and like a lot of the great guys and girls on here, relish the fight when a pond life thinks they can take you for a ride.

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