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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
      • 161 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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HSBC Metropolitan Full and Final Settlement offer does this look legit?


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Hi,

 

Not sure I have posted this in thebest place but here it goes.

 

I have been paying off 3 debts with HSBC who have recently written to me offering a full and Final Settlement,

1) how do I know that this is legit and they wont come back to me for the rest.

2) regarding the credit file, is this a good result?

3)They are asking for 50% of the toal loan, I have stopped paying my installments 3 months ago to get a good full and final settlement think this is a good deal.

 

Below is the wording on the letter - is it worth getting this seen my a legal expert? I welcome any advice.

 

Dear..

 

We confirm we are prepared to accept .... in settlement of this account

 

You can make payment immediately using your Credit or Debit card by phoning TELEPHONE 0845 609 0545.

 

Alternatively a Bank Giro Credit Slip is printed at the bottom of this letter to enable you to pay at any branch of HSBC bank plc. Bankers Drafts or Building society cheques must be made payable to MCS and should quote your account references.

 

Remember, to take advantage of this settlement proposal you must ensure this payment reaches us as follows :-

amount and date

 

Failure to make this payment is likely to result in the offer of settlement being WITHDRAWN.

 

When your payment has cleared, we will notify the relevant Credit Reference agencies to mark as satisfied any default registration relating to this debt.

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urm.

 

typically

anyone that offers a discount

knows they are on dodgy ground

and wants to get money out of you

before you find out, you shouldn't have been paying the debt off at all

 

could be paperwork

could be charges

could be PPI

 

does this debt show on your CRA file?

 

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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