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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.
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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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lloyds tsb debt - every dca has had this alleged debt - when will it stop! - help


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Just to clarify when I say I have email alerts set on my credit file, I mean I am subscribed to 'Equifax Identity Watch Lite'

 

I get email notifications every time there is a new or deleted search on my file and also if any company I do business with increases or lowers my credit limit.

 

This would have picked up a change in alleged debt ownership I presume?

 

TIA

 

TC

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  • 1 month later...
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Ha ha ha ha ha ha Idiot iQor :pound:

 

What do they know?? Ha ha ha

 

"It is 'critical' that you contact us 'immediately' yadda yadda yadda" pull the other one it's got bells on, why would anyone want to converse with a clown??

And what is there that you think is critical?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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"It is 'critical' that you contact us 'immediately' yadda yadda yadda" pull the other one it's got bells on, why would anyone want to converse with a clown??

And what is there that you think is critical?

 

Yeah BB. I'm still trying to work out what the 'critical' part is?

 

But on a long train journey today was just wondering how much each DCA pays an alleged OC? I thought it was around 10%? Does that sound right?

 

To my mind the way this is going the alleged OC (after 5 failed DC contacts) has already covered 50% of it...?

 

Thoughts?

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Depends what you mean, if you mean what DCA's 'buy' these debts for, then they are sold in portfolios of other debts, these are sold for millions of pounds, but when you break it down, the individual debt they buy can be bought for as little as 6p in the pound, which is why thy make such a profit.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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:madgrin:Critical means if you don't cough up there's no money

for the bosses summer hols

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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:madgrin:Critical means if you don't cough up there's no money

for the bosses summer hols

 

Somewhere other than here I hope, the weather is good in Afganistan and on the Kyber pass at the moment.

 

David

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Somewhere other than here I hope, the weather is good in Afganistan and on the Kyber pass at the moment.

 

David

 

That would be a conversation I'd love to listen in on Cashns! A DCA trying to chase a Taliban debt!

 

Our boys might even step in and help them on that score...

 

Seriously though, this is going off thread, but big respect to our guys & gals over there, keep safe. x

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  • 2 weeks later...

Update: Letter from GPB Solicitors.

 

What a complete load of tosh and gobbledegook this latest letter is! (Which I can only surmise is just an arm of Iqor itself as it’s from the same address)!

 

‘If full or proposal for payment is not received within 10 days it is LIKELY legal proceedings will commence’? Really? I doubt it!

 

Then they finish by saying they are ‘NOT instructed to enter into correspondence’ with me at this stage!?

 

Well, what exactly ARE you doing right now with this letter you muppets?

 

Still keeping silent....

IQOR 190712.pdf

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How unfortunate being called GPB solicitors llp, and having to sign your name as such!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...
Not suggesting they are using Template Letters are you?? lol

 

No you wouldn't use "lf you reside outside the jurisdiction of England and Wales, then our agents may be instructed to raise an

action in your local court." on a template, after all you would be aware of what jurisdiction they lived in?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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No you wouldn't use "lf you reside outside the jurisdiction of England and Wales, then our agents may be instructed to raise an

action in your local court." on a template, after all you would be aware of what jurisdiction they lived in?

 

Must be cut backs on paper, one for all regions!

:mad2::-x:jaw::sad:
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:madgrin:They have to use templates the reading age is very low so nice bright coloured letterheads are the only way for them to know what they are sending:jaw:

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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  • 5 months later...

Welcome Fredrickson ‘International’ to the party!

 

Bit weird this one though? They quote their client as ‘Bank of Scotland’ & Brand/Product as ‘Lloyds TSB’? (Neither of which exist anymore)!?

 

This alleged debt has never been with BOS & my Noodle file still says ‘Lloyds’.

 

Is this a case of trying to baffle brains with bull**** or just incompetence?

 

TIA

 

TC

 

:???:

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They are just pointing out the ''ownership'' history of the account because of the various mergers and takeovers in the banking industry.

 

Check one of the main CRAs Noddle is often out of date imo.

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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They are just pointing out the ''ownership'' history of the account because of the various mergers and takeovers in the banking industry.

 

Check one of the main CRAs Noddle is often out of date imo.

 

Agree Noodle is a bit behind the others (showing Oct 2012 at the mo) but Lloyds wouldn't have sold a debt to BOS surely?

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  • 6 months later...

Here we go again! All has been quiet since January now this has landed on my doormat.

 

Welcome Capquest (lowest of the low from a very quick google search).

 

I would normally ignore but it states they have been 'sold' the debt by LTSB?

 

Credit file checked and although it only currently records up to the end of June is still says LTSB.

 

Won't be contacting them anyway but would be interesting to see my file when it's been updated for July.

 

Thoughts anyone?

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Just a notice of assignment, you don't have to contact them, and NEVER EVER BY PHONE!!!

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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Just a notice of assignment, you don't have to contact them, and NEVER EVER BY PHONE!!!

 

Absolutely no intention BRIGADIER!

 

Is this a new ball game now though? Been dealing with this for 3 years knowing that any DCA was only acting on behalf of OC.

 

If this is true is there a different tactic I should employ?

 

TIA

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