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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 
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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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Some advice please Citi Credit - F&F?


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no why should it?, you are denying the debt in the very 1st line!

 

 

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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Sorry to jump in on this, but if you write to a creditor with the usual 'I do not acknowledge any debt to you or any company you claim to represent' header, does that count as a contact to them with regards to statute barring?

 

Thanks

 

Lexis :)

 

Is this in regards a f&f offer?

 

S.

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Hi Shadow

 

No, it's my husband's BOS accounts that we disputed and stopped paying in '08. I have had to write after a couple of legal threats and similar, but have always headed it with the 'I do not acknowledge' line.

 

I know they have no where to go with an agreement so I'm hopefully just waiting them out.

Time flies like an arrow...

Fruit flies like a banana.

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Hi Shadow

 

No, it's my husband's BOS accounts that we disputed and stopped paying in '08. I have had to write after a couple of legal threats and similar, but have always headed it with the 'I do not acknowledge' line.

 

I know they have no where to go with an agreement so I'm hopefully just waiting them out.

 

Ok, in that case yes heading any letters with the I do not acknowledge tagline will NOT count as an acknowledgement of any kind. Any F&F offers however could restart the stat barred clock despite putting "without prejudice or adding the aforementioned tagline" hence the need for clarification.

 

S.

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Hi again

 

I got a letter today from Morgan Solicitors. Heard of them??? They said if they dont hear with in 1 month legal proceddings will be issued against me. I really dont want to go to court.

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and...tough!

 

they are not real solicitors anyhow

 

just the next bloke at the next desk in a diff skirt

 

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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yep

 

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

Does it state "MAY" or does it say they "WILL" take you to court.

 

If the letter states WILL then it does constitute a letter before action even if they do not then take that action. DX has read far more threads than me so will know more of how Morgans operate but it is a fact they do take people to court and sometimes even without the proper paperwork when they'll attempt to win by default.

 

S.

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7 threads merged on the same debt

 

dating back to 2009

 

as this has been going on for +3yrs

and its been around the houses

 

and you've had multiple discount letters.

 

they'll go nowhere near a court

 

esp as no CCA too either!!

 

i'd get that SAR off and get reclaiming what they are offering as the discount.

 

YOUR PENALTY charges

 

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 dx100uk. If i send them a SAR wouldnt that mean i am acknowledging the debt? Im not too bothered about claiming back charges im nore concern that this does not get to court. I have been there and done that and its fare to stressful.

 

the_Shadow - The letter said they Will proceed with legal action if they dont hear from me within the month.

 

Thanks

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can you scan that letter up please:

 

 

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

or

convert existing PC files to PDF [office has an installable print to PDF option]

.

'

BUT......

ENSURE: remove all pers info inc barcodes etc using paint program

but leave all figures and dates.

.

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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need to see the layout to etc etc

 

can you not take a photo with a phone or camera?

 

though you still will need to blank pers info .

 

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

have you sanitised it?

 

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

good

 

2 steps left then.

 

convert it to PDF

 

attach it to your msg box here.

 

......................................

 

 

goto one of the many free online pdf converter websites

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

.

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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  • 1 month later...

Hi

 

Got a letter today from cabot.

 

So shows me nothing will happen with regards to court procedings that they threaten.

 

I have a question

 

- Cabot have now passed my account onto yet another DCA

and in what seems a general letter say they may place a charging order on my property

if i dont come to an agreement to pay the amount owed.

 

I know its say MAY, but can they ever do this?

 

Would they need to take it to court to be able to do this?

 

Thnaks

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CCJ first!!

 

just a threat-o-gram

 

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

Yes they would have to go to court and get a CCJ against you before they could do that.

My Posts exist exclusively to assist me in preparing litigation against another party.

As such, it is almost certainly protected by litigation privilege.

 

The legal requirements for claiming litigation privilege are well established and are not in dispute.

Communication between a solicitor, or the client, or a third party will be protected by litigation privilege where the communications are for the dominent purpose of obtaining legal advice in connection with, or conducting litigation in prospect: Re: "Highgate Traders Limited (1984)"BCLC 151.

 

Copyright Information: All information contained in this website , Associated websites, and Forum posts are Copyright "Reclaim The Right Ltd". If you wish to use the information on this site for publication elsewhere then please email the administrator for permission.

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  • 1 year later...

Hi

 

I have not posted about this citi card debt since Aug 2012 as I have not heard from them since then. T

 

he last letter I had was from another dca and again I went back to say I do not recognise the debt

(back in 2008 I requested a CCA and got nothing from them and have been past to various dca's up until 2012)

 

Today I have received a letter from a solicitors threatening bankruptcy if they don't hear from me in 14 days.

 

They say they will serve me with a bankruptcy petition to obtain a bankruptcy order against me.

 

Can they do this?

 

Even though citi card has failed to produce me with any signed paperwork?

 

What shall I do?

 

Should I write to them telling them again I do not recognise the debt and has been in dispute with citi since 2008?

 

Your help is appreciated as normal.

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