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    • Thank you fkofilee, Ill try and get an email put together , do i email all 3 of the above ?
    • Reform more or less said it's what they will be campaigning about but they don't expect to be implementing the plans. Dan Neidle thinks the cost is about double the amount of Truss's plans and the IFS think the figures are out by £10s of billions.
    • Rather like farage .. Reform UK plans ‘don’t add up’ and costings are out ‘by tens of billions of pounds per year’, says IFS – UK general election live | General election 2024 | The Guardian WWW.THEGUARDIAN.COM As Nigel Farage launches party’s manifesto, Institute for Fiscal Studies says ‘the package as a whole is problematic’   "Reform UK has published its manifesto. They plan tax cuts which they say will cost £70bn; however our analysis shows that they’ve miscalculated, and the actual cost will be at least £93bn. Reform UK says it will fund these tax costs with £70bn of savings and additional revenue, but it provides few details. Their proposal to change Bank of England reserve rules is over-stated by at least £15bn, and the cost would likely fall on businesses and consumers, not banks. These two factors mean that Reform UK’s plans have a total unfunded cost of at least £38bn – about twice the unfunded cost of Liz Truss’ ill-fated 2022 “mini-budget”.
    • The finance company has a 50% stake (legal Owner) in the deal so I would certainly involve them. As for the outstanding £3635 bill thats owing to Mercedes in Croydon I wouldn't be in a rush to settle that just yet and keep it in abeyance as leverage.  Where are you at with Doves in Horsham ?
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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
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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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1st Credit /BOS and a sold preference account debt


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I have been receiving 2-3 calls a day for the last few weeks from 1st Credit I have refused to confirm who I was and put the phone down on them.

 

Today I have found out why they have been calling after I have received a notice of assignment from bank of scotland saying they had sold a preference account debt to 1st credit.

 

This debt had been passed around from DCA to DCA after I kept asking for a copy of the credit agreement which none of them could provide, so they would send it back to Bank of Scotland then a few months later I would have another DCA attempting to collect with the usual threat letters. Then I would CCA them and the same thing would happen again, it would go back to BOS. Now it has been sold as they probably know they cannot enforce the debt.

 

The only DCA that could provide anything when I CCA'd them was wescot who wrote to me saying here is the information you asked for and all there were was account statements and no Credit Agreement.

 

Now what do I do with 1st Credit? Do I send them The CCA letter like I did to all the DCA's that tried to collect "?

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why do you keep writing to these chancers at all?

 

the more you write

the more mug markers you'll get

 

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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and me. Bank of scotland

 

They also have obtained our telephone number which we had recently changed. This number is permanently withheld by BT and Bank of Scotland last contacted 2 years ago when we had the old number. How have they got this number. its not even in my name?

 

Milly X

CAPITAL ONE (O/H!): Won £1864.63 including contractual :D

GE MONEY: WON £266.00

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Hi

 

Any movement from 1st Credit, We are in the same position as you, have written to them but no response yet.

DS.

 

Yes they wrote back to say they will be contacting their client to advise them of my comments and will be in touch with BoS reply

 

I have also sent them the telephone harassment later and the calls have stopped but in the letter they also wrote 'please call this office to provide a suitable contact number! This will ensure we are able to deal with this matter quickly and efficiently!' More like so they can say whatever they like to me on the telephone with no paper trail as evidence of their lies and try and harass and bully me into paying this!

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and me. Bank of scotland

 

They also have obtained our telephone number which we had recently changed. This number is permanently withheld by BT and Bank of Scotland last contacted 2 years ago when we had the old number. How have they got this number. its not even in my name?

 

Milly X

 

We got same response today...we shall wait and see what they come up with.

DS

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