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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.

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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
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Me vs Student Loan Company


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I have received a default notice from Westcot who have taken over i off my Student loans. I have now written to them using Alanfromderby's excellent CCA letter template and they are now both in default and have commited an offence under the CCA regs by not providing the info within 1 month. They have written saying they have suspended payments while they investigate. I will just sit on my hands with this one.

 

I have a number of other loans with SLC which have never been chased by them but low and behold now i am in communication with Westcot i have a letter from SLC saying i now owe them money. The most recent loan was taken in 1998, 8 years ago, and SLC have never approached me for repayment until July this year when Westcot got involved.

 

Can anyone offer any advice on statute of limitations with these loans.

 

Cheers

Lloyds TSB £395 Decree awarded against TSB

HBOS £750 setted in full

IF £750 Small Claim filed 26/10 - won unconditionally

Barclaycard £110 + Data Protection Act Non compliance Information Commissioners Office complaint. Small Claim filed 12/10 - Won unconditionally

HBOS2 £750 small claim settled in full

MSDW £115 Settled- accepted Full amount unconditionally

HBOS3 £750 Settled in full

HBOS4 £750 Small claim filed for return 15/1/07 No defence filed Decree issued by court

Clydesdale Bank Credit Card £496 small Claim filed 25/10 Court hearing 19/1/07 - continued for 2 weeks

Mrs Claimital's M&S Card £60 LBA sent 12.10 - Full refund & interest accepted by Mrs Claimitall

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I am in a somewhat similar situation to yourself.

From what I can gather, If you took out your loans before 1998 then they are regulated under the CCA.

Although I can not find any hard evidence of this....yet!.

 

Did you defer payment?

 

I dont think there is a limitation on student loans.

 

I was chased by Smith and Lawson DCA (part of the SLC), and then, Legal and Trade after the SLC "claimed" to have not received my deferment forms despite having sent them three applications all on different occasions.

 

It is my belief, in my case, that this is some kind of "method" thay are employing to enable them to default, and attempt collection of the outstanding loans.

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sorry mate didn't show that figure just giving the information thats there so people are aware that chances are thay will take it to court unless thayre seriously in the wrong

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Advice please guys...

I know as the lady told me on the phone on Friday that I have been had for a couple of hundred quid in charges on my Student loans (both pre 98). Confess all for missed payments.. naughty naughty!

They are going to send me a statement of the charges paid on the accounts....

On receiveing this do I then follow the standard process as per recovering of bank charges or am I opening a whole new can of wormies???

My instict is to follow the standard bank charges route?

Help!!!

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Hello mrpennyless!

 

Yes, jut follow the standard proceedure and you will be fine.

 

When you get your charges, set the info out in the form of a table:

 

Date of charge-Reason for charge-Amount-Interest @8% compounded

 

Use this to work out the compounded interest-

 

 

Add the charges+interest together and this figure will be the amount of your tell them you want back.

 

When they've told you to naff off, dont bother arguing, just start your Small Claim.

 

At this stage calculate a further 8% on each claim from the date it was debited, add all these figures up and claim this as your County Court interest, along with your court fee.

 

PM me if you me any help. Good idea to start your own thread so advice doesnt become confused.

 

Ignore mpul's "advice"- its probably a SLC troll.

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