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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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      • 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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Some advice please Citi Credit - F&F?


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they'd have to get a statutory Demand first

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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yet again you started a new thread on that citi debt.

 

IGNORE EVERYONE

 

unless you get a claimform.

 

have you checked your credit file of recent?

 

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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yet again you started a new thread on that citi debt.

 

IGNORE EVERYONE

 

unless you get a claimform.

 

have you checked your credit file of recent?

 

dx

 

Oops sorry dx.

 

I haven't check my credit file because they now charge £9.99 a month to have access to it. Do you know of a cheaper way to do this?

 

Would the claim form be for them filing for bankruptcy?

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noddle is free. see below

 

BK is via a statutory demand, not a CCJ claimform.

 

was this cabot & wright hassle

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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yea thought so

 

crapbot and hassle are throwing these out like confetti

 

pers i'd be ignoring 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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

Hi

 

I have checked the credit file with Noodle

 

(thanks for that dx) and

 

yes its showing on his credit file,

but under Cabot.

Defaulted Aug 2009.

 

Will this drop off the credit file after 6 years or remain while they say money is still owing?

 

Also saw a search on the file from Hitatchi Financial and

says its for an Administration Review,

anyone know who these people are andwhat is an administration review?

Anything to do with Citi card?

Thanks

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so it will vanish aug 2015. totally .

 

hitachi finance are one of the stores/car financiers.

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

Ok I have read the other post on these letters and now getting worried about it. Although they have never produced a CCA for this account are we saying that I could fight the BK in the hope we win??? As there is no evidence yet that this company has not actually gone ahead with the threat could we be the first?

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Just noticed on the bottom of the letter it says:

 

Should we not hear from you within 14 days the Statutory Demand maybe issued without further notice.

 

So they are saying MAYBE if they were serious wouldn't they say WILL???

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you're learning

 

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

I would assume that you own a property or else a SD would be totally useless. If one does appear you should be able (with help) to get it set aside.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would assume that you own a property or else a SD would be totally useless. If one does appear you should be able (with help) to get it set aside.

 

Yes we do own a property. Do you think I should write to them to let them know that I'm still waiting for the CCA or not bother? I could really do without the stress of waiting to see if a SD lands on my doorstep.

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I would as it could stop them in their tracks. Nothing is guaranteed of course.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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as this has been going on since 2009

I'd p'haps not be entering an obvious letter tennis session this close to SB etc

 

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

as this has been going on since 2009

I'd p'haps not be entering an obvious letter tennis session this close to SB etc

 

dx

 

Because it might do damage or because there is just no point in wasting my time?

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the idea of all of their letters is to make you respond.

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... 

Link to post
Share on other sites

  • 1 month later...

I have an update.

 

Sorry DX I did respond to their letter as i was really trying to avoid getting the SD.

 

And I wanted to remind them that we didn't recognise the debt

and there was no signed agreement to prove it was my husbands debt.

 

I asked them to go back to their client and ask for it.

 

They sent me a bog standard copy with no signature or date,

so I sent a letter back to say this and told them to bog off in not so many words.

 

Got a letter back today saying

"the agreement provided to me is a reconstituted agreement.

There is no requirement to supply a copy of the signed agreement.

 

We will seek to rely on this for any future insolvency proceedings.

 

We therefor look forward to receiving your offer of payment shortly.

 

Do you think they will just go ahead with the SD now

even though they know there is no signed agreement?

Surely they know this will not stand up in court?

 

Thanks

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well you keep pulling their tail

 

they'll keep sending threat-o-grams.

 

if anyone were actually going to do anything bar

try and spoof you with one last letter

 

they'd have done it by now

 

unless you actually get a SD or a claimform drop on your mat

 

i'd not be entering into any letter tennis

 

the only one keeping this 'hope' for them going

 

is you by continually replying to them.

 

your call

 

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... 

Link to post
Share on other sites

Today I have received a "statement of your account" from Cabot. I have never had one of these in the 5 years the account has been in dispute.. With it is a notice of arrears letter tells me how much is owed and when the account was opened. They have also included a payment slip. Does this mean the account has been past back to Cabot? Do I ignore this as well? They are not giving up.. amazes me that they don't make any contact for over a year and now I get one of these from them.

 

Also isn't this something that is sent before it goes to DCA's and Solicitors? Seems to have gone backwards. ????

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