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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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Toothfairy/Northern Debt Recovery/Marshall Hoares/Appleton Massey Solicitors


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No ticks either! They state they have complied with my request by sending what they have done.

 

What interests me most is the fact that if they fail to comply, the debt is unenforceable, therefore, they should have no reason to contact me, which is what I would like to be the case, not that I want to get out of not paying, I want them to stop threatening and bullying me.

 

In a few weeks I will be able to make it to the local CAB, maybe taking the stuff they have sent into them is my best bet.

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When you applied for the original loan, there would have been some kind of a checkbox that says " i agree with the terms and conditions" or some mumbo jumbo along those lines. With PDL's, it wouldnt surprise me if it was hidden.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Could always ask them to point out where it says you signed it. But honestly, as havinastella said, its probably a lost cause now, since CCA's have much less power than they used to.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Stop worrying. Its exactly what they want you to do. get in touch with trading standards, oft, fos and especially stella creasy mp. she has a lot of push in the media in regards to these idiots.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 4 weeks later...

So I made a complaint of the FO, and it was, of course, passed to Marshall Hoares, but is being dealt with by Northern Debt Recovery (HAHAHA!)

 

The fella I am dealing with has to be one of the most ignorant and, well, I don't want to be too free with my words here, but you can likely guess...

 

He's apparently decided to ignore my complaint, and is demanding I pay £40 per month (I am a student, on £5000-odd per year), but he will not accept my income & expenditure. He demanded proof of income - which I provided in the form of a letter from SFE detailing my entitlement. Then he asked for income/expenditure, which I provided, showing a MASSIVE lack of money coming in as to going out, but he keeps demanding 3 months bank statements, which I cannot supply due to only just opening a student account.

 

I have been paying £10 per month, which, under the circumstances, is a hell of a lot, but they keep on adding interest, and being generally nasty b*stards.

 

Not to mention this guy from the 'complaints department' forgetting about my complaint ad trying to get all this from me.

 

I owe, at this point in time (going on the original loan amount, plus 1 month's interest), £232, and recently wrote asking for a settlement of £200 when I get my loan, which of course was refused.

 

I just need some advice on what to do. I know for sure this will be going to the FO, as he's not even dealing with my complaint, let alone trying to resolve it, should I just hold out and wait for it to go to them? Should I just carry on with the £10 per month? Should I pay the £200?

 

A different creditor passed my account to a DCA and they stopped interest immediately when it was passed over, which is what I don't understand about NDR & Marshall Hoares (Obviously I KNOW they are all the same company). NDR keep referring to my 'agreement' to which I reply 'I have no agreement with NDR or Marshall Hoares, please provide proof'. Naturally, nothing is forthcoming. The other company also accepted my settlement figure.

 

It's just this one company that are refusing to play ball. I am about to go back to uni and I so so so hoped that this would be sorted by now so I could start the year with as little stress as possible.

 

I am a mess right now!

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So I made a complaint of the FO, and it was, of course, passed to Marshall Hoares, but is being dealt with by Northern Debt Recovery (HAHAHA!)

 

The fella I am dealing with has to be one of the most ignorant and, well, I don't want to be too free with my words here, but you can likely guess...

 

He's apparently decided to ignore my complaint, and is demanding I pay £40 per month (I am a student, on £5000-odd per year), but he will not accept my income & expenditure. He demanded proof of income - which I provided in the form of a letter from SFE detailing my entitlement. Then he asked for income/expenditure, which I provided, showing a MASSIVE lack of money coming in as to going out, but he keeps demanding 3 months bank statements, which I cannot supply due to only just opening a student account.

 

I have been paying £10 per month, which, under the circumstances, is a hell of a lot, but they keep on adding interest, and being generally nasty b*stards.

 

Not to mention this guy from the 'complaints department' forgetting about my complaint ad trying to get all this from me.

 

I owe, at this point in time (going on the original loan amount, plus 1 month's interest), £232, and recently wrote asking for a settlement of £200 when I get my loan, which of course was refused.

 

I just need some advice on what to do. I know for sure this will be going to the FO, as he's not even dealing with my complaint, let alone trying to resolve it, should I just hold out and wait for it to go to them? Should I just carry on with the £10 per month? Should I pay the £200?

 

A different creditor passed my account to a DCA and they stopped interest immediately when it was passed over, which is what I don't understand about NDR & Marshall Hoares (Obviously I KNOW they are all the same company). NDR keep referring to my 'agreement' to which I reply 'I have no agreement with NDR or Marshall Hoares, please provide proof'. Naturally, nothing is forthcoming. The other company also accepted my settlement figure.

 

It's just this one company that are refusing to play ball. I am about to go back to uni and I so so so hoped that this would be sorted by now so I could start the year with as little stress as possible.

 

I am a mess right now!

 

Hi Katie

 

Do me a favour and don't pay them anymore.

They will not do anything to you.

 

I say because you should only be paying the loan and one months interest.

 

:-), they ring me every day and I always say the same thing to them. You're not having a penny

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Never EVER under ANY circumstances give them wage slips, bank statements or anything like that. They are not entitled, allowed nor need any of that info. All they need is a basic budget summary and have you sign it as a declaration of fact. Thats it.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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oh I don't intend to send them anything else, they keep saying that anyone else would ask for the same in the circumstances, but I point blank refuse to provide such info, especially as they didn't ask for it when I applied.

 

fkofilee - I intend to pay what I owe, which has been being paid at £10 per month, but no more than the £232 remaining (original amount plus 1 month interest), they can kick and scream as much as they like for the rest, but they aren't getting it from me without a blooming long and hard fight, and a court order.

 

my problem is I can go around making claims such as 'this is unfair, I will pay only the original amount plus 1 month interest', but I can't actually back it up with anything. I can say I refuse to supply the info the request, but they refuse to even look at my circumstances until I do, so I need the legal stuff to be able to back up what I am saying. I have asked the FO if they will look at the case as it is so obvious that they will not be resolving my complaint, but they say 'no we have to wait 8 weeks to give them chance blahblah blah', which is STUPID as, like I say, they're not even looking at my complaint, let alone dealing with it! Roll on 11th October, eh?

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oh I don't intend to send them anything else, they keep saying that anyone else would ask for the same in the circumstances, but I point blank refuse to provide such info, especially as they didn't ask for it when I applied.

 

It is more likely that they would use it as toilet paper if you sent it than that they would actually look at it.

The only payment plans they agree to are usually the ones they make up on the spot without asking you.

 

While I usually wouldn't recommend it, just pay them against their will the amount you owe (original loan + 1 month interest - any payment already made) at whatever rate you can afford and tell them to take you to court or leave you alone for any amount above it.

 

By paying what you originally owed even if its just at 1£ per week you can show the Judge (if it ever ended in front of a Court) that you indeed did try to make right on the debt, then once you paid it back you can just lean back and point and laugh at the Toothfairy throwing its toys out of the pram and collect all the stuff they send as evidence of their shady business practices.

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I agree, we all pay what we owe and we all do it at different rates, because we all have different circumstances.

I would be careful with making sure that what is remaining is the £232... And they dont do anything they are not supposed to :)

 

HAve any issues with them, we will back you up :)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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