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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
      • 162 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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Payday loans ! Urgent advice please


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I have recently passed all my debts to Vincent Bond (debt management company) They are in talks with my payday loan providers and hopefully should be agreeing to a payment plan soon. I am receiving letters threatening home collections etc and harrassing calls and Vincent Bond are being excellent providing me with advice on how to deal with this.

 

However, In between changing accounts I have noticed that two payday loan providers have taken two payments of £125.00 and £129.00 from my account today before I could close the account on time. Is there anyway of getting these payments back if I report them as not agreed to my bank as I now have £20 to last me all month and do not want to resolve in applying for another payday loan!!

 

Thank You Gibbo

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you really should not be using a DMP co.

they cost money

do it yourself with our help

 

now as for the money taken

phone your bank

demand a chargeback or DD guarantee return

as you were not notified in writing that the pdl was going to take this.

 

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 that advice I will phone the bank tonight and hopefully they will refund.

 

I really wouldnt no where to start if i didnt use a debt management company as I know how aggressive these companies can be

 

Vincent Bond are charging £20 a month for them to deal with my payday loan providers.

 

I feel i cant negotiate with the payday loan companies as they wont accept any resonable payment plan I offer.

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but thats the point you are missing

 

you dont negotiate with your debts

 

you TELL THEM what they are going to get

 

you CONTROL your money not THEM.

 

thats all the DMP co are doing

 

and for £20!

 

i'd do it for £0!!

 

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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thats not how we operate on cag

 

this is a public self help forum.

 

else they'ed by no threads here for you to read !

 

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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moved to the payday loans forum

have a good read

 

 

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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Share on other sites

It's all well and good saying do it yourself, but you could get CAB involved or use CCCS (not my personal favourite but lots of people use them) Are you sure all you are being charged is £20 per month, seems very little to me. I would advise checking, and asking if your 1st months payment will go to your creditors or to them.

Having said all that, you can use who ever you want, and if it is £20 and YOU feel that is money well spent that is up to you. Personally I have not been able to cope with the pressures of my debts and the harrassing phone calls and the money i have paid to the DMC kept me sane for a lot longer than I wopuld have been.

You don't tell us how many are involved and how much you owe, if it makes you feel better I owe over 40K and am on ESA.

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