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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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PPI And Debt Management!


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Need some help regarding PPI?

 

am i entitled to claim even though my debt is in a DMP.

 

My DMP have said they can do it for me,

when i researched them its just somebody in the same building as them under a different name.

 

What is the best way to start the ball rolling?

 

Has any of you done it on your own and most importantly have you done it whilst in a DMP?

 

Also,i have a credit card that i still have and use,

 

is it worth trying to claim on that too or do i have to pay it off first?

 

Many Thanks

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why are you in a fee paying DMP?

 

dump them!!

 

do all the DMP debt SHOW on your CRA file?

 

as for using ANY co. to reclaim PPI ... no !!

you can lose up to half of your reclaim through their fees and cut of the refund.

 

you can reclaim PPI at any ttime under any situation.

 

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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Hi odydog,

 

I am in a similiar situation in that I have a DMP (Free One) and been in it for a few years. I am currently claiming back PPI and have just had a succesful claim. So, go ahead and start to claim back all of your PPI.

Don't worry about wether it is "the right time etc", just go ahead and get some of your money back.

 

There are lots of people on here who can give you good advice.

 

Jedicris

REMEMBER! Hunger is the enemy - NOT the hungry!

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and seriously question WHY

you are paying any debt that is not 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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But why has it not been visable on my file?its always baffled me?

 

 

dunno how old is it

tell us the full history

 

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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Hi odydog,

 

I did it all myself. Just did some research on this forum and asked a few questions and received some help here.

 

Do take the time to read some of the material signposted in certain members signatures i.e dx100 etc. It helps a lot.

 

Don't even think about using a Claim Company, they can do nothing extra to what you can do!!!!!

 

Plus the sense of SITTB is just so much greater if you do it yourself instead of an overcharging claims company

 

Jedicris

Edited by Jedicris

REMEMBER! Hunger is the enemy - NOT the hungry!

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Back in 2004 we had a loan,

it went to a DMP after my hubby was abroad.

 

No help what so ever from the bank so had to go to DMP.

 

Only ever had a default from a credit card that was defaulted at same time as loan on credit report,

 

only ever heard from the bank for a couple of months and never heard anything since.

 

If PPI could be reclaimed i would be asking them why i ever ended up struggling in the first place.

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full history please

 

taken out in 2004

 

paid under DMP with XXXX date date.

 

etc cetc

 

please

this is important.

 

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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The loan was with HSBC,

defaulted in 2005,

passed to DCA in the May

Waiting for DMP to take over payments.

 

I also had a credit card also with HSBC they were the only one's to default on my credit file.

Default has now cleared although still paying.

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DMP with whom?

 

dx

  • Confused 1

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

are you still paying them ?

 

if you are stop!

 

are you aware that your payments WERE comign off the debt?

dont rely on them [spectrum] sendig you statements they lie]

 

have you any evidence from say halifax or your CRA file that what you were paying spectrum actually came off the debt?

 

 

me thinks they have been pocketing the payments and this debt has in the meantime gone SB'ed.

 

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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How can i find this out? I have only ever heard anything from the credit card debt from HSBC. when i asked spectrum for the balances for each account i was not even sure the figures were correct.

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thats why i said - SAR to Halifax - earlier.

 

that will give you everything they hold on you

 

would also be of course useful for the reclaiming.

 

if they still own the debts then what you have paid should have been coming off the debts

and SHOULD have been reported to the CRA's too.

 

sadly, the CRA file not being updated is a clear sign something fishy has gone on somewhere

 

if you were paying a debt off - why not report 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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