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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
        • Like

Black Horse Finance, DLC/Hillsden


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Hi, my mum took out finance for a car and found she couldnt afford it due to ill health

 

she returned the car, they sold it and got a very good price on it but there is still an amount owing according to Black Horse for which I offered them F&F settlement or £10 pm,

 

they refused the F&F, messed me around three times when I sent them direct debit mandates and now DLA are hasseling mum (she has MH problems)

but the debt is still showing as Black horse at CRA's. What should I do now?

 

DLC are sending threatening letters to her even though I have asked them to stop and told them she is mentally ill,

the letters threaten her with men on her doorstep, court, you know the type of thing (I didnt till I stated to look at this for her)

 

Any template lettes would be useful, i would like to get this sorted ASAP or my mum will end up in the secure wards again.

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Hi, my mum took out finance for a car and found she couldnt afford it due to ill health

 

she returned the car, they sold it and got a very good price on it but there is still an amount owing according to Black Horse for which I offered them F&F settlement or £10 pm,

 

they refused the F&F, messed me around three times when I sent them direct debit mandates and now DLA are hasseling mum (she has MH problems)

but the debt is still showing as Black horse at CRA's. What should I do now?

 

DLC are sending threatening letters to her even though I have asked them to stop and told them she is mentally ill,

the letters threaten her with men on her doorstep, court, you know the type of thing (I didnt till I stated to look at this for her)

 

Any template lettes would be useful, i would like to get this sorted ASAP or my mum will end up in the secure wards again.

 

how much was paid on the car

 

what type of ageement was it [pers loan or HP]

 

how was the car returned voluntary surrender or voluntary termination.

 

something smells here as do ALL BH car loans.

 

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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Thank you both for your replies and I will try to answer all your questions.

My mum decided to return the car, she was not forced to surrender it.

We have never had a proper statement from them I dont think, they got a good price for the car (more than we could get for it as we got permission to sell it and had it up for sale for a couple of months prior to returning it)

 

The car cost £24,339 on hire purchase, there was pyments made of (mostly from the insurace as my mum was in a secure unit) £13,366 and they sold the car for £14,164 I think try to make sense of the credit report as my mum wasnt dealing with this very well she burnt any letters she was sent (I told them about he mental illness and asked for copies of the letters but none have been forth coming)

 

Looking at the figures I dont think she should owe them anything but what can I do about it? And the goons DLC are threatening to set round which she is terrified of.

 

Thanks again for your help.

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she owes nothing

 

more than 50% of the HP was paid - end of!

 

the car was obviously in very good condition too

as they got a good price for it

 

so they cant pull the 'damage' spoof costs either

 

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

So what should we do dx?

A debt collector is chasing her (though the "debt" is still with Black horse according to her credit report)

They mentioned court, would a judge be sympathetic?

 

 

Thanks for yor reply again, I have never had to deal with aything like his before so i'm lost.

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only the owner of the debt can take you to court.

 

its a spoof.

 

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

only the owner of the debt can take you to court.

 

its a spoof.

 

dx

 

Will they take it to court though?

and I think i remember something about HP and paying of half of the debt (I was reminded of this on this thread btw) but I cant/never knew the details, can someone fill me in please?

 

thanks again,

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thats is what i am saying....

 

you paid more than 50%

 

and

they are NOT the owners

 

debt never existed

 

forget 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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really...

 

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

Thanks fo the replys, Gaston my mum decided to send the car back as the insurance payments were going to finish and she couldnt afford the monthly payments while she was ill, Black hors didnt ask for the car back and the account wasnt defalted on either.

 

Thanks again.

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Interesting. Check the agreement which will have on it a part headed "Termination: Your rights". Under there will be a figure. Check how much your mum paid in total (including the deposit); if your mum has paid more than that figure, she might not owe any more. However, she would have had to terminate the agreement in writing - do you know if she ever did that, or was it only ever verbal?

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it was an HP agreement.

 

there is no need for any of that if 50% has been paid.

 

which it has.

 

end of!

 

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

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