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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Some relatives of mine are currently experiencing serious difficulties in regard to the financial situation their son has got himself into.

Matters have escalated to the point where threats have been received stating that bailiffs will be visiting their home to recover goods to the value of his debts.

Naturally, they're concerned about this and don't know where they legally stand should bailiffs arrive on their doorstep.

In the event that this happens what is the best course of action they can take?

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first of all they are not responsible for sons debts. What are the debts? I suspect there Debt Collecting Agency and have no rights but until we know a little more advice can be different if its bailiffs and court debts thats different if its just DCA's then basically they have no rights what so ever

I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Can you let us know who the company are and what the debts are.

This may seem a bit intrusive but it will help us to advise further.

The parents are not responsible for their sons debt full stop and cannot be held responsible for them. If a bailiff does turn up you dont have to deal with him at all.

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bet its a tinpot DCA

 

typically bailiff co's dont send letters out threatening they are going to visit

as they get no fes for this

they just send them out

AND

 

there would have alrady been a CCJ for this to happen.

 

so me thinks its a tinpot DCA

 

time to ignore them!!

 

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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Firstly, thanks for the replies.

 

From what I've seen he's got a few pay day loans, at least one bank loan among other debts which I don't the full details of.

 

I have seen (glanced over for a few minutes) a debt management plan, which he set up himself at a cost of £30.00 per month, among the companies listed were Moorcroft and DLC who I know are DCAs.

 

I know that they have no obligation to service his debts but I think they were advised (I don't know by who) that a bailiff could entry to their house and obtain goods to the value of his debts from his room and as such has fuelled their concerns. Presumably this is rubbish but I wanted to check.

 

If things do escalate to the point of bailiffs being involved what is the usual way through which this would transpire?

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Their is no law that says you cannot owe a few debts, certainly many of us are here because of that very reason. He can have 101 debt collectors contact him and even have some letters that have real red writing on them. They may indeed threaten all sorts - bad credit rating, starting legal proceedings when Bailiffs may be employed - they forgot to mention that they have to win their case first and you have to default on payment. DCA's can be dealt with in the old Anglo Saxon way.

 

If they do go to Court then they have to win first and of course he may only be able to afford £1 per month. The only Bailiff that could be employed following default in payment is the County Court Bailiff who can be very reasonable. If however the debt is for more than £600 then it could be transferred to the High Court for enforcement.

 

PT

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i'd suggest he gets a copy of his CRA file

 

that way, he will KNOW what debts he SHOULD be paying.

 

and p'haps get reclaiming unlawful fees & PPI

 

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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  • 3 weeks later...

aha all become cleAR!

 

get him to check his cra file and get reclaiming !!

on the other debts

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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:lol::lol::lol::lol::lol::lol::lol:

 

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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