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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.

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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.
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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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Hillsden/Nolan summary cause citation - old A+L MBNA card debt **CLAIM DISMISSED**


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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 if you have PDF as an installed printer drive use that

or use word and save as pdf

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.

the hit reply button

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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Thanks for quick reply!

Some of functionality is missing on iPad- no probs on PC.

Enclosed are one letter stating that they cannot find agreements, second one is a "hey presto" affair, showing one side of an application form.

I had converted them to PDF format at work but I previewed these before uploading and some of personal data is showing through, even though fully covered(or so I thought!)

Will re-do them at lunchtime tomorrow and post them tomorrow tea time.

In the meantime can anyone confim if it`s Hillesden`s that I should SAR- I presume that`s the case?

hanks and speak tomorrow

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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

Hi all

A&L/ MBN replies now enclosed, along with letter of assignation and almost ilegible application form- can someone please have a look and tell me what they think?

I was planning to SAR Hilesdens tomorrow whilst cc ing Nolans to find out what they do/don`t have- is this the correct next move?

Thank

 

 

 

 

docs1.pdf

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  • 3 months later...

Hi all-update time-We Won!!!!!!!

Just to give you all an update, court appearance went ahead, which for their paret was a combined"might not show" and fact finding mission.

I showed in person and other side immediately asked to sist the case pending further investigations.

I asked for my submissions to be taken into account(that MBNA had admitted that they could not find original), and for case to be dismissed on this basis, but after some hesitancy this was refused.

I then had a letter through the post 3 days later from Nolans that they would not be proceeding, and we're asking for decree in absolving or to that effect, with no costs to be awarded on either side.

That has been signed and returned, and that decree landed on my doorstep last week.

Thank you to one particular individual- you know who-for your support-and to all others on the forum.

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  • 11 years later...

Hi all

Have court papers issued to me for Summary cause action,

issued by Nolans,

on behalf of Hillesden Securities for alleged debt assigned to them by MBNA .

 

This is for a credit card originally taken out in 2000.

 

Some background;

 

Issued CCA letter to MBNA ( for an account taken over by them from A&L )

and they have only an application form to rely upon.

 

My query today

- do I SAR Hillesdens or Nolans?

 

Return date is 8th Dec, ,calling date 23rd Dec.

 

Can someone tell me how to upload a PDF so that others can look at docs so far given to me?

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  • dx100uk changed the title to Hillsden/Nolan summary cause citation - old A+L MBNA card debt **CLAIM DISMISSED**
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