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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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Bit of a mess RE: payday loans/bailiff letters etc.. :(


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Hello niw! Welcome to CAG.

 

Are you saying that these payday loans are with debt collection agency's and the payday loan companies are also contacting you by phone?

 

I'd personally write to each debt collection agency and ask them to prove that they are entitled to be collecting the debt. It may have been sold to them or they may be collecting on the payday loan company's behalf, they may have sent these notices to you already?

 

As for the threatograms... Nobody is coming to your mums house to take your stuff! They fill these letters with that garbage to try and scare you into paying them.

 

I'm sure the others will be along shortly to assist you.

 

The general opinion with payday loans is that you owe them the loan amount plus one months interest only.

 

To be honest with you, if they've gone to DCAs now that is fairly good news. Payday loan companies are less likely to accept a repayment plan, DCAs should accept.

 

A you're on JSA the maximum you should offer (when the debts have been confirmed) is £1 PCM. This is a token payment towards a very low priority debt.

 

Keep us updated. Don't worry about the bailiffs coming. Before that can happen they'd have to take you to court first and secure a ccj and still after that there are further obstacles before bailiffs could actually ever enter your home and seize goods... Nothing but a scare tactic. If you read through the letters I suspect they use the word 'may' quiet a lot and never 'will' and 'can'.

 

Regards

 

BM

It never rains but it pours...

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Btw, 'a bit of a mess'... Don't worry, it not the biggest bit of a mess on these forums. With the help and support of us, you'll be ok. I was in your position in December last year and am now fully paid up and can actually answer my phone again lol :D

It never rains but it pours...

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Hey niw :)

 

Yes, I'd write to them asking for them to confirm they legally own the debt. Please ensure you add the line 'I do not acknowledge any debt to your company' (just in case they're pulling a fast one lol.

 

I'd leave any suggestions of an offer of payment until they've all proved that they are collecting on a debt that thy have either purchased or have been assigne the rights to collect.

 

I would include a paragraph in your letter about telephone harassment. Tell them they are not to contact you by telephone and request they remove any numbers they have for you from their system. Also, remind them that they are only allowed to visit you at home by appointment and that you will certainly not be making one of these appointments NOT ever :)

 

Regards

 

BM

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Marshall Hoare/NDR same company... Just reply to the last letter you received. Do they show the same reference number?

 

Microcredit ltd (trading as minicredit.couk)

30 Borough high street

London

SE1 1XU

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Here's the link for the "prove it" letter http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

 

It should get the ball rolling with the DCAs to prove they own the debt or have the right to be collecting it at least :D

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