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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.
      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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Default Date on Credit Report

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I hope the below makes sense.


I have check my credit report, and there is a default date of 9/6/2011 recored against Clydesdale Finaincal Services, as soon as I saw this I paid the account off. I have since received a statement from Barclays Partner Finance which states the default went on to the account in 2009. The statement reads as follows


26/6/2009 - Default Sum L1

10/7/2009 - Default Sum L2

24/7/2009 - Default Sum L3

7/8/2009 - Default Sum L4

24/8/2009 - Default Sum L5

8/10/2009 - Default Sum L6

24/10/2009 - Defult Sum L8


Nothing was showing on my credit report for these dates, I do not despite these because like most people we had finincal problems. We had passed our finances on the a debt management to pay for us which they took over Aug 2009, all agreed payments were made each month.


If anything has shown on my credit file for these date I would not of been able to get a £94k loan to build my own home, which we started to build on 13/6/2011, which because of this default date we are unable to obtain a morgtage to allow us to move in to the property.


The Barclays statement does not show any default againt 9/6/2011.


How can the default date show on my credit report be 2 years after the account went in to default, I am fighting this with Barclays but they do not seem to understand what I am trying to change (I hope you can)


I look forward to your advise

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Thank you for the help.


But no payments were missed in 2011, and according to Barclays the payments missed were in 2009. so how can they recorded the default date on my credit report 2 yrs later.

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Hi, Defaults should be placed in a timely manner,within

six months the ''guidance'' states, so your defaults can

be challenged with the creditor as unfair, gather all the

detail in chhronological order and write to the company

stating you consider it unfair to place the default on your file

two years after the cause of action, copy the letter to the CRAs

displaying the data and send it to the COMPLIANCE Manager.



Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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