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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 
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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
        • Like

Very/NDR debt -


sacbaby
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Hi i am having the same problems with NDR,

 

i offered them £10 a week and they refused.

 

They keep sending me letters charging £12 every time.

 

How can i deal with them?

 

I have lost my hours at work and i am really struggling.

 

I am sick to the back teeth with there nasty letters.

 

Can anyone help and tell me how to deal with them please.

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get reclaiming ALL those £12 fees

 

write and TELL THEM

 

what they are going to get - dont offer.

 

then pay by your internet banking site

 

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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nope deal in writing only

 

tell them they are only going to get £xxPCM for xx mts

as a goodwill gesturelink18.gif

and as a reciprocal GOGW they must freeze int & refrin from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

 

then pay by your internet banking site

 

and get reclaiming

 

dx

 

TAKE CONTROL

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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  • 5 months later...

Hi I don't know if anyone can help me with NDR, but I am on a DMP with CCCS and NDR are and have been charging me for late payments, letters ect even though CCCS have paid them. Can I reclaim the charges from them if so which letter template would I use. Thanks in advance for any help and sorry if this is in the wrong place.

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sacbaby you need to start your own thread it will go missed here, look in my signature on how to start a new thread.

 

If NDR are still charging you for late payments, then you should inform CCCS that they are doing so, and question why they are still in your DMP.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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you already have your own thread here

 

get reclaiming

 

it will be the oc not ndr that are charging you

 

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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have you got all the statements?

 

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 I am having DMP with CCCS and

 

i have debts with Littlewoods and

KandCo which CCCS have been paying for a couple of years now.

 

I have been getting letters from NDR telling me to pay them which i made a couple of payments online

and then i stopped as after reading some stories on here i think they are the same company.

 

if CCCS are paying the main companies,

why are NDR pestering me for money and charging me for phone calls, late payments or no payments of £12 a time.

 

How do i get NDR to send me all my statements so i can check the charges?

 

I have written to NDR, Littlewoods and KandCo by recorded delivery and the letters have not been arriving there.

 

Does anyone have an address for NDR and should i ask for my statements or will they refer me back to littlewoods ect.

 

I have also noticed that they have been charging me interest every month as well

where i thought this would of been stopped when i started my DMP.

 

I know that my bill with KandCo went from £300 to over £700, an awful lot of charges.

 

I would be grateful for any advice and in which direction to go with this.

 

Thank you all

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littlewoods are shop direct

K&Co are shop direct

NDR are shop directs in-house DCA

 

you need to send an SAR to shop direct to get all the statement

and get reclaiming all these PENALTY charges from both accounts

 

as for CCCS, what other debts are in your Pan?

 

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 dx thanks for your quick reply.

 

I sent a SARS to Shop Direct, they sent me it back and there are a few things in it that don't seem right to me.

 

1. They have sent me statements with the company name Very or Marshall Ward, i was never with them.

 

2. Some of the statement dates do not tally with each other.

 

3. I was with Littlewoods in 2006/7 and the only credit agreement they sent me is suppossed to have been signed by me

but it was a new contract where they basically changed the amount i owed them into a loan and not when i first purchased from them.

 

5. They have charged me for phone calls to a number that has not been mine for 4 years.

 

6. There is definitely not enough statements for the accounts i had with them, they sent me statements from closed accounts from 2 years ago and over.

 

I have also a Barclay's bill on my DMP which i am paying and they are charging me also for late payments

and the CCCS pay them the same time every month, they also charge me interest.

 

Which template would i use to claim back the charges,

and what about NDR as i have made a couple of payments to them before i realised they were the one and same company.

I appreciate your help

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so they made you take a loan out to consolodate old mail order accounts

that had PPI & late charges too then?

 

ok would you say that taking the date ranges like first info they have on you

throught till today

you can see there is information between those dates missing?

 

as for CCCS IMHO i would dump them and do things yourself.

 

they have done you no favours by being in their plan.

 

info on charges etc is below

 

Credit Reference Agencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

RIP Martin3030

rant.gif

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

Yes they consolidated them into a loan and sent me the credit agreement for this but not the original credit agreement,

this is paid through cccs and yes they charge late payment but not ppi.

 

I can see a shopping insurance that I was paying and that just all of a sudden stopped.

 

Yes there is information missing and on a couple of different months statements,

as you look down them the dates do not match what date the statement actually says it is.

 

I have been with the cccs for a couple of years and have about 12 months left,

they have not managed to stop the interest and for what I am paying my creditors,

it is not covering the charges and interest that they are charging me.

 

Can I ask NDR for a statement of my account or will they send me back to littlewoods do you know.

 

I have sent another letter to Shop direct saying that all the information I asked for in the SARS was not there

and I require them to resend with ALL what I ask.

 

I will have to wait and see what they send,

 

oh and what do you make of the statements with the company names of Very and Marshall Ward when I have never done business with them?

 

Thanks again for listening and your help x

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i cant comment on stuff i haven't seen

 

however, it may ewell be those cat names as they are all shop direct owned.

 

shopping ins IS PPI, so theres something to reclaimthere too.

 

good you have sent a request for the missing data too.

 

NDR ARE LITTLEWOODS are shop direct, so dont know why you are mentioning this.

 

 

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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Share on other sites

shop direct do get the letters but must refuse to sign Royal Mail for them (they think they are above law) as I found that they refer to letters sent in the past, so treat as they have received and copy the Mail site processing thru system that is enough as proof of postage.

 

NDR is shop direct a dormant company funds NIL 1 shareholder shop direct.

:mad2::-x:jaw::sad:
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second class & proof of posting from po counter is all you need

 

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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Share on other sites

reply to what letters did send?

 

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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