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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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      • 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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Barclaycard wriggling out???

Guest suziedarkness
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Guest suziedarkness

Hi Caggers, I am hoping someone may be able to point me in the right direction.


I had a Barclaycard from 2002 to 2007. After a year or so of having the card my financial nightmare started and as a consequence regularly incurred charges for late payments, overlimit etc. I also had PPI but was self employed.


The card was paid off in full in 2006 when I made the mistake of taking out a consolidation loan but BC still claimed I owed them money after I had paid it as they added on more charges and interest.


Furious at this I told them that I wasnt prepared to pay it etc and they continued to add charges on, sent me letters, defaults etc and eventually they stopped contacting me and I started getting letters from some DCA, cant remember who as this was all back in 2007.


Anyway, to cut a long story short, I ignored them all as I was going through a really bad time and as far as I was concerned I had paid it up.


At the end of last year I was sorting out some old paperwork and came across a letter from Barclaycard from years ago and decided that I would have a go at claiming back some of the money they had added in charges and PPI as I was now more aware of things due to the help of this site.


I sent them £10 for a SAR but as a lot of other caggers have also reported, they only sent me statements for the last year of my business with them (2006 to 2007) and a wad of printout that I dont understand. I sent them a template letter that I got from this site.


So I added all the charges and PPI that were on the statements and estimates what I thought they may have owed me from previous years and interest (£900) and wrote to them asking for a refund and pointing out that as they failed to comply with my SAR request I was claiming what I thought to be fair.


I have now had a response from them basically saying that they are prepared to credit my account with the sum of £150 but thats it and they have notified the agency dealing with the account to amend the balance.


They also attached what they said was a six year schedule of charges which is basically the last six years, not the six years I had the account with them.


Now my questions are this:


1) How exactly does the six year rule work? does in mean that they only have to go back six years from now, so only have to take my last year of business with them?


2) As far as I was aware, they sold the debt off in 2007 so can they just give these people any refund rather than give it to me as I had paid the balance off?


They say that they will keep my complaint open for 8 weeks to give me time to consider their response.


Obviously I am not satisfied as they must owe me £1,000 +. I just dont know how to proceed with this and would greatly appreciate some help from those more clued up than myself.



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1. read a few of the success threads

2.if they have sold the debt then they cant off set to the new owners



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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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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Hi SuzieD,


1. BC will tell you they destroy statement data older than 6 years on a rolling basis but we simply don't believe this. If you want any older data from BC, you'll probably have to take court action to get it. Is the any chance you'd be able to find the older statements somewhere or are you certain you don't have them.


You need to read other threads for guidance. See here for instance - http://www.consumeractiongroup.co.uk/forum/showthread.php?50148-Barclaycard-amp-Microfiche-they-are-wrong-OFFICIAL&p=3403246&viewfull=1#post3403246


BC will not refund any estimated charges. Without statements or charges data, you'll get nothing for the older years.


2. If they sold the debt to a 3rd party, they cannot set off any refund against the sold debt. See the link that DX gave you in post #3 above.



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