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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
      • 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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No help from DirectGov or Police on fake eBay job


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I have sent an email via ebay contact centre registering my disgust with ebay/paypal behaviour.

 

I also brought to their attention that no warnings have been received re these advertised "listing jobs" by ebay.

 

If I have a reply I will let you know.

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I doubt JobCentre will be liable for adverts placed on their website I beg to differ, it is their responsibility to ensure that adverts they place on their website are legit.

 

From a legal point of view can you be held liable if you are the victim of a crime? Never heard anything so ridiculous! So if you are murdered or raped you may be held liable?

 

I'm watching you! :spy:

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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I think that Jobcentre has a certain responsibility. People repose their trust in JC's and I think that there may well be a legal duty of care.

 

On the other hand it may well be that job candidates alos have a duty to take care and they may well be seen to have contributed to the problem but not taking a certain level of care on their own behalf.

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The old adage of advertising in any form should be LEGALHONEST> AND TRUTHFUL, which this certainly was not

obviously those who accepted this advertising have not even exhibited a common duty of care.

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I'm watching you! :spy:

 

As poster above said they may have a duty of care higher than most places but I very much doubt they will have total responsibility. Are Gumtree and eBay held liable for all the dodgy stuff posted on their websites?

 

A contract entered into when you are a victim of a crime is totally different to your example. If its so straightforward why doesnt the victim send his crime reference number to the debt colelction people and be done with it?

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I believe that when you are responding to an advert,offer etc. placed in a government office it ie reasonable to think

taht this has been properly vetted and is legal.

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If its so straightforward why doesnt the victim send his crime reference number to the debt colelction people and be done with it?

 

Because DCA's do not believe such information regardless of whether it is in black & white and in front of their noses, hundreds, if not thousands, of alleged debtors have done this, only to find themselves on the end of increased harassment and intimidation from the DCA's.

 

I cannot think of a single occasion whereby you might be the victim of a crime yet still liable in any way?

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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I am not sure either - hence I asked the question.

 

If you are certain of your position then the victims can be advised to sit back and let it go to court (after they have informed the DCAs they accept not liability for this).

 

My view on it is that they are opened to be sued by customers and they will have to sue the business to get their money back. So some liability applies IMO.

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Once again we get right back to the spineless regulators who seem afraid to take any action, being of a very suspicious nature

could it be that now central government is employing some of the worst offending DCA's and their pet ''solicitors'' things can only get worse.

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As poster above said they may have a duty of care higher than most places but I very much doubt they will have total responsibility. Are Gumtree and eBay held liable for all the dodgy stuff posted on their websites?

 

A contract entered into when you are a victim of a crime is totally different to your example. If its so straightforward why doesnt the victim send his crime reference number to the debt colelction people and be done with it?

 

Gave it to them ages ago!!

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Once again we get right back to the spineless regulators who seem afraid to take any action, being of a very suspicious nature

could it be that now central government is employing some of the worst offending DCA's and their pet ''solicitors'' things can only get worse.

 

 

???

 

It appears eBay have sent in the DCAs not the Government.

 

All the Government are guilty of is allowing an automated system for people to put adverts up (that are not vetted).

 

Also given that Ltd companies appear to be involved how much vetting do you want the government to do?

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Ghost, My point was that the my feeling is that now central Government

is employing DCA's will the Quango's who are supposed regulate the debt collection industry

feel even more that they have a supreme right to harass, ignore and fleece people!!!

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Further to post 26 I complained to ebay because surely once this had been pointed out to them they should have posted warnings. I've suggested that they view the posts on this website to see the results of this [problem].

 

I received confirmation of my complaint but no answer as yet.

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I have been contacted by Iqor today demanding payment by debit or credit card today. I told them that I am not paying because I am holding Ebay, Paypal and Directgov responsible for this [problem]. They have been receiving complaints from victims since at least December 2010. It may even be for as far back as two years as I have found out from other forums this [problem] started being reported in August 2009. They have not taken any action to warn the wide Ebay and Paypal user community. All it takes is a newsletter or an email that would cost them nothing yet could have prevented many of us to be in this mess. Obviously as it is not in their best business interests they have done nothing to stop this from happening again and again.

The [problematic] are out there with another website swift-techltd.com. This one has been live since end of March and myself and the other 6 victims I know have reported it to police and Alan McMahon from Ebay Fraud Investigation team. And guess what? They have done nothing about it. So right now we do not know how many other innocent victims out there have fallen in their trap.

BankFodder can you tell me if this is going to affect my credit rating anytime soon as I am in the process of switching my mortgage?

Thanks

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If it does affect your chances of obtaining a Mortgage, and by that I mean it IS the sole reason why you are refused a mortgage, then the only course of action for you is to pursue legal action against all those involved for substantial damages.

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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I'm afraid that it is likley to affect your credit rating. I would be very surprised if they haven't put an entry on your credit file already.

 

You need to check it up.

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I have talked to the Uxbridge and Hayes Gazette today and they are really interested in this story. Hopefully it should be published soon. Will these debt collectors come to my door anytime soon and do they have a right to enter my property if I open the door or clamp my car on my driveway?

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Hi-

Debt Collectors have no rights of entry and cannot clamp your car!!! They'd like you to think they could though, LOL.

 

Have a read of my Debt Threat blog linked in my signature below...it should put your mind at rest.

Golden Rules: DO NOT speak to them on the phone (or record the calls if you do)

DO tell them to leave if they visit

DO keep everything in writing

DO NOT be intimidated by them

 

Elsa x

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Thanks for that Elsa. However, I can't read your signature. It is asking me to join and have to pay with Paypal. As a result of this mess my Paypal account has been closed for good. What is worse, they have told me I will never be allowed to open another one as they say I am a financial risk to them. What a joke! I am a victim yet they treat me like a criminal.

 

I will follow your advise though. Thank you

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I checked my local JC+ they claim to hav no knowledge of this, but they are never very helpful any way.

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!

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Does a debt collector have the same powers as a bailiff?

 

No, a debt collector is not a bailiff and is not authorised by the courts. A debt collector is not allowed to enter your home or seize your property.

http://www.nationalmoneyhelpline.co.uk/faqs/dealing-with-bailiffs/

 

 

http://www.insolvencyhelpline.co.uk/debt_basics/bailiff-guide.php

 

 

As already said a Debt collector IS NOT a bailiff, they have NO legal powers whatsoever. You should treat a DCA exactly the same as someone ringing your door bell trying to flog double glazing.

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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