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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 
      • 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 claim...Freedom finance/bespoke(karakus)/gemoney!!


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Hi newbie here,

Hope somebody can help with my plight,

 

In November 2005 we took out a loan through freedom finance for 15k, for debt consolodation,

 

Everything been running fine,

 

September 2011 an official looking letter arrived out of the blue from the FSCS,

( well a company acting on their behalf Deloitte LLp)

 

The letter went on to say we believe you took out ppi with wilmslow financial services plc formely freedom finance.

 

The more I read the letter the more I convinced myself that it had been sent to us in error,

as we knew nothing of ever having PPI on the loan, the letter was put in the drawer and dismissed.

 

in November we had a financial advisor visit us to see about getting cheaper morgage deal,

out of curiosty I showed the man this letter, and he was kind enough to shed light on the situation and also helped me fill in the paperwork,

and we then sent it off,

 

after a number of months of repeatedly sending forms and phonecalls we had a letter from Deloittes ( acting on behalf of FSCS)

explaining that their investigations had shown that bespoke finance had arranged the ppi and as they are in gibralter it was therefore out of there jurastiction,

they'd done all they could do.

 

In April I decided to try again on my own, downloaded forms from internet, filled in but this time sent them to ge money ,

 

Backtracking a little here during the deloitte saga we rang ge money and asked them if we had had ppi on the loan and they said no,

but when they sent copies of the credit agreement out

 

it is written on there in black and white!!! Confusing!!

 

So back to the current, I sent forms off to GE money they replied saying there final answer was Yes they borrowed the extra money for the ppi

but they had nothing to do with the ppi it was arranged through bespoke,

and then gave me a booklet for the ombudsmen to whom I have just come off the fone to,

 

he said I need to find out who the underwriter was, advised ringing freedom!!!

 

all phone numbers no longer recognised..

 

.So now what can i do???

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who did you pay your money too?

 

they are your target

 

there are several threads running about ppi wth this group of cohorts

 

one of which is:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?320594-Ge-money-freedom-bespoke&p=3569689&highlight=freedom+finance+ppi#post3569689

 

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, Just rang Ge money, as they are the firm that loaned us the money, and even thought prior to this when weve asked them if we had ppi they said No, they suddenly have info abt whom the underwriters were, Cigna international, adressed to scotland

Id never heard of Bespoke till recently and Cigna is defo a new one on me, have all original loan docs, not one document with either of those names on!!!

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sorry but you really need to stay off the phone.

 

writing only for a papertrail

 

GE will do anything to put you off the scent.

 

your claim is SQUARELY with them under section 56 of the CCA Act.

 

56.

— (1) In this Act “antecedent negotiations ” means any negotiations with the debtor or hirer—

(a) conducted by the creditor or owner in relation to the making of any regulated agreement, or

(b) conducted by a credit-broker in relation to goods sold or proposed to be sold by the credit-broker to the creditor before forming the subject-matter of a debtor-creditor-supplier agreement within section 12(a), or

© conducted by the supplier in relation to a transaction financed or proposed to be financed by a debtor-creditor-supplier agreement and “negotiator ” means the person by whom negotiations are so conducted with the debtor or hirer.

 

 

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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still a rouse to put you off.

 

ignore the excuses

 

use sec 56 and go get 'em!

 

do the FOS CQ + SOC & a covering letter.

 

leave the no room to wriggle

 

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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type any of the names you mention

into our search top right

and read some thread related to them and PPI reclaims.

 

the more you read the stronger we become.

 

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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  • 4 weeks later...

interestingly i had forms sent to me recently from the FSCS.

 

They are in connection with WILMSLOW FINANCIAL SERVICES - FREEDOM FINANCIAL

 

 

Trouble is ................. i have no idea who the loan was with, as lots of paperwork got lost during my marriage break up and house re possession

 

what can i do?? obvoiusly the FSCS know but they wont tell me !

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probaly one of yours

 

go get 'em!

 

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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  • 11 months later...
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