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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
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advised to go bankrupt!


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hi all, i have for a while been collecting my debt letters so i know what and who i owe and to my shock its around £16000, i had a telephone interview with CCCS they were helpful and sent me a folder out with a list of my debts that they could see on my credit file and what i told them from letters i had they also sent out my income and outgoing and explaining why going bankrupt is what i need to do, i basically have about £30 a week spare as it goes, makes me wonder why i work sometimes but id rather work than not. once i find £700 i will go bankrupt but for now should i not send a letter to all my debts stating i am going to go bankrupt but for now make a payment to them like £1 a week as i owe to about 14 different people so i cant afford to much per week or month?

 

i am still struggling with how to make a start on this but really want to get this done and get the ball rolling with dealing with this debt and to let my debt people know i am aware i owe money and i am not wanting to ignore it but i cant afford lump sums or weekly amounts they would like.

 

any help or advice would be appreciated

 

thanks.

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Hello there.

 

Token payments of £1 a month until you go bankrupt seems like a sensible option; this will allow you to save up for the bankruptcy fee.

 

If you need further information on self-negotiating with credit debts there is a very good guide that you can download here:

 

http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#4

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Please do not send a letter to your creditors advising them you are going bankrupt. Please try to avoid even giving them a hint.

 

You will open up a world of pain and harassment as each tries to pressure in to grabbing what little you have left before you do go BR.

 

Sequnci's advice is good. Knock them all down to £1 as you save up the fee. The OR will have no problem with this either - so no worries about treating your creditors unfairly are required.

 

Lastly, I can recommend a good forum for support. No disrespect to CAG here, but the MSE one is a lot bigger.

http://forums.moneysavingexpert.com/forumdisplay.php?f=136

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hi thanks for replies, i was going to ask should i shouldnt i tell them i am going bankrupt so thats noted. should i send them my budgeting form that i received from CCCS which shows i have sod all left over each month and the list of debt companies and amounts i owe to, its a list all on a sheet of A4 paper?

 

thanks again.

 

i almost forgot, are there any template letters on this site that i could use to send to all the debt companies i owe money to, and when making payments to them how do i give them this £1? can i trust them having my card or bank details or do i ask for their bank details and set up standing orders or something?

 

thanks

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Hello there,

 

You can find a template letter via the National Debtline website: http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6

 

I think there are some on CAG too, just couldn't locate any when I had a quick look.

 

All the best,

 

NDL.

For Free, Confidential and Independent advice: 0808 808 4000

Monday - Friday 9am to 9pm // Saturday 9.30am to 1pm // 24-hour voicemail. Please leave a message to request an information pack. http://www.nationaldebtline.org // http://www.mymoneysteps.org

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hi thanks for replies, i was going to ask should i shouldnt i tell them i am going bankrupt so thats noted. should i send them my budgeting form that i received from CCCS which shows i have sod all left over each month and the list of debt companies and amounts i owe to, its a list all on a sheet of A4 paper?

 

thanks again.

 

i almost forgot, are there any template letters on this site that i could use to send to all the debt companies i owe money to, and when making payments to them how do i give them this £1? can i trust them having my card or bank details or do i ask for their bank details and set up standing orders or something?

 

thanks

 

Hi

 

Along with what the National Debtline poster has put and for the sake of choice there is an IMA award winning confidential Citizens Advice online Self Help DMP system that saves all your details, does the Financial Statement, token offer letters and the rest - no invite needed - you just log in and away you go, perfect really for dealing with creditors in your situation.

 

http://mymoney.nedcab.org.uk/moneyadvice/index.asp

 

http://mymoney.nedcab.org.uk/moneyadvice/dmptour.asp (example completed DMP)

 

http://mymoney.nedcab.org.uk/moneyadvice/quickfsintro.asp (quick budgeting & debt calculator - details saved to word only)

 

There are also other template letters / systems around

 

Your choice at the end of the day and best wishes

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