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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 
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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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lloyds tsb and IND Ltd


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I received 2 letters today in the same envelope. 1 from Lloyds TSB and 1 from IND LTD. i havent made a payment since Feb 2007, was defaulted in March 2008 and lloyds have failed to provide any credit agreement, i receved a letter from SRJ debt recoveries saying they done a confirmation of residence and they are acting on behalf of IND lts. what do i do now?this was a loan, as i had two overdafts consolidated and a loan into one big loan i will atatch the letters i received

lloyds.pdf

PDFOnline[2].pdf

srj.pdf

Edited by heather79
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Hi heather

 

Images are too small to read....use this method

 

Hi

 

 

scan the required letters/agreements/sheets

as a picture file

remove all pers info inc barcodes etc using paint

but leave all figures and dates.

goto one of the many free online pdf converter websites

convert the image to pdf format.

or ir you have PDF as an installed printer drive use that

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

NB:you can set where it goes in the post by hitting insert inline.

hit the reply button

 

(courtesy dx100uk and others)

 

Regards

 

ims

 

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Hi

 

OK all visible now.

 

So its a loan account and has been assigned to IND. They in turn have handed it to SRJ.

 

I'd be inclined to send a CCA request to SRJ for the cost of £1.

 

Any ppi or charges on the loan which you can claim back?

 

Do you have the Loan Account Statements?

 

Regards

 

ims

 

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hi no PPI charges i claimed them back. this is now the 9th company this has been passed to. the 1st company was ccd in feb 2008 fredickson this is my previous thread about it http://www.consumeractiongroup.co.uk/forum/showthread.php?133402-heather-vs-buchananclark-amp-wells&p=3507960#post3507960

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hi no PPI charges i claimed them back. this is now the 9th company this has been passed to. the 1st company was ccd in feb 2008 fredickson this is my previous thread about it http://www.consumeractiongroup.co.uk/forum/showthread.php?133402-heather-vs-buchananclark-amp-wells&p=3507960#post3507960

 

Ah right....didn't know it was elsewhere on here.

 

So no one has been able to supply a copy of the agreement? (or a recon)

 

Regards

 

ims

 

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Ok

 

Did they send you a letter saying they were unable to provide a copy of the agreement?

 

Sorry for all the questions.

 

If they sent you a letter saying they couldn't supply the docs then you should have put the account in dispute. I don't know whether you did or not.

 

What I would do is bring things right up to date. Send a CCA request to latest outfit (SRJ) and the £1. As you know they will have 12 + 2 days to comply.

 

If they don't provide, you should send them the "in dispute" letter as they have no authority to collect without docs.

 

If no-one can provide any documentation they would be foolish to go to court with this.

 

Regards

 

ims

 

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hi no thats fine, no they kept passing it back to Lloyds TSB who in turn have kept passing it about 7 other debt agencies. yes the letter i sent BCW was the account was in dispute, every company i have wrote to specifically said the account was in dispute with BCW

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Hi

 

I think the diffeence this time is that the account has been sold on to IND whereas before it seems that Lloyds just farmed it out for collection. Now IND are just farming it out for collection.

 

So I would (for the sake of £1) send another CCA request to SRJ who should then deal with it if they are trying to collect. Simple rule of thumb is "No CCA = No Pay" (as you probably know).

 

Unfortunately these things seem to do the rounds but without an agreeement they would be dumb to go to court.

 

Regards

 

ims

 

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