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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.

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      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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Turnbull Rutherford / HFO / Barclaycard

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I would really appreciate some advice on what to do about a letter received yesterday from Turnbull Rutherford regarding a Barclaycard debt which goes back to 2005.


A few months ago they started with the phonecalls hassling both me, my family and they even rang my boss and asked him for my current address! I had googled them and learnt of their unsavoury practices and so decided against giving them any information. I did not confirm that the debt was mine, nor did I give them my address. They had found my place of work somehow, and now they are writing to me at my new address. I am not on the electoral role that is available to the public, so in the first instance I am concerned about where and how they got my address? Can anyone advise me on this, and whether it is legal practise?


The debt is showing as a default on 08/12/2005, therefore 6-years on 8th December. Their letter states that their date of assignment was in June 2006, so why have they waited until 2011 to make contact with me?


They have increased the original debt of £3619 to £5972 and I have no idea what to do? I was ill at the time of the default and spending time in hospital, which I advised Barclays of at the time. At no time did Barclaycard chase me. Now I allegedly have until 23rd November to respond or they are threatening court action. They say if I respond in time, no further action will be taken. As this is only 16-days before my debt become 6-years old, I am confused about the legalities of this?


Is this something I have to worry about? Is responding to them in my best interests at this time?


Thank you in advance for any advice!


Isla :???:

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When was the last payment made on this account? Irrespective of the default date, you start counting the statute barred time from the first missed payment.


Many DCAs will argue that limitation accrues from the time when the "default notice" is issued. It does not. Simple as that.


Limitation clock starts ticking from when the payment is due and not paid not when they send a default notice.


We see often that CRA entries will date 5 or 6 months ahead of when the payment was missed.


People need to be sure that they aren’t being hoodwinked and that the DCA is extending limitation so they can sue when they are not allowed to.

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moved to the bc forum



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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have you confirmed with Barclaycard the last payment date as the stat barred date will be from then not default date.if you are in Scotland it is 5 yearsContact number for Barclaycard is 0844 556 0066.

US President Barack Obama referred to Ugland House as the biggest building in the world or the biggest tax SCA* in the world.

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Hi - ring Barclaycard and get that last payment date, also who they sold this to and exactly when (see if this is the same as what TR have told you). The last payment should be some time before the default was recorded so this could very well be SB already. If it is - you can write to TR and tell them this. Also, nice new complaint to OFT http://www.oft.gov.uk/contactus for the attention of Polly Ashford.

Please support CAG and they will support you.


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lIf you are certain that you know of no recent payments, letter to send -- http://www.consumeractiongroup.co.uk/forum/content.php?408-Letter-sent-when-debt-is-statute-barred. The debt will still exist but they will not not be able to pursue it. Presume you are not in Scotland (different letter)

Please support CAG and they will support you.


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