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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
        • Like

taken bh to court i have defaulted but washing machine breakdown again.


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so you dont have all your 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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might be an idea to SAR them then.

 

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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ok what do i need to do with them as ut don.t show the insurance products on there only normal payments.when i get all the spreadys what is i need to look at and then respond to them i.m a bit over my head with these ,what i don.t get is they are ammitting to miselling dlc that i never asked for but not the osc don.t make sense does it.

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ok what do i need to do with them as ut don.t show the insurance products on there only normal payments.when i get all the spreadys what is i need to look at and then respond to them i.m a bit over my head with these ,what i don.t get is they are ammitting to miselling dlc that i never asked for but not the osc don.t make sense does it.
thanks
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so there is no indication whatsoever that you are paying OSC

or to that matter, the DLC .

 

what about agreements you signed?

 

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

it only states you are paying osc doesn.t say how much but my agreements states how much got all that information.should i appeal their decision or go straight to small claims court as they don.t rush and try and sort it out.i.ve had family with me when i went to get items and they can vouch for not being asked if i wanted it and alsi never given chance to read the documation also you are never told that your items are covered for first year anyway. what do you think is best. to go about it.

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yes why not

 

very bad you are not told how much it is

 

could even be unlawful

 

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

god bh lie all the time

 

cheque is being sent recorded delivery monday then thursday and yes it did go out thursday

can.t find tracking number and the woman who is dealing with it ain.t in until monday.

 

o guess what

 

i.m now told aswell its being sent to the store not me and they said they not received it either

 

bh are lying or royal mail is crap i know who to believe.

 

sent in another letter for osc damages and late charges and also told them contracts are worthless as they breeched them when adding osc without my permission

 

they didn.t like this given 14 days and if no response court on the 14/01/13 can.t wait.

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hi i

have phoned and wrote letters as of yet no reply in writing

only reply to emails i.ve had is to phone them about my complaint

 

to be honest i phone them cause thats what they always did to me so thought i.ll pi** them off aswell.

 

they.re saying the cheque is delayed due to christmas

they sent it after christmas and was suppose to be recorded delivery

i don.t think they.ve sent it yet .

 

i went in on saturday to local store

gave my next letter made them sign and date my copy

they didn.t want to accept it mind and they faxed it to head quarters

 

i was told it had to go to my store that done my contracts.

 

i think i should just go straight to court on wesnesday with form cause i know they are not going to respond to the letter

and have waited to long for the dlc to be repaid.

and don.t see why i should have to wait even longer for osc

they had to have their money everyweek why should i wait.

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one down

 

one to go!

 

dx

 

The Consumer Action Group needs help to cover itsexpenses.

You could help by making a money contribution to http://www.consumeractiongroup.co.uk/paypal.php?go=donate

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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  • 2 weeks later...

Hi if you.ve seen my other thread you.d know i defaulted with bh and am taking them to court posting claim forms today.

 

the thing is my machine i had with them in april has broken down again

second time in two weeks its covered under supply of goods act

but they won.t authorise its repair

 

they fixed it christmas time without authorisation but won.t do it again.

 

Where do i stand .

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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

its an HP agreement

 

if you hire a car and it dont work, what would you want to happen..

 

given another car to use

 

your product is faulty it does not work

i am not wishing to hire it anymore nor pay for it.

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... 

Link to post
Share on other sites

At the moment hoover said they will repair it again as its under a year old .i was ready to call council to come and get it after breaking down twice since 24/12/12 .will see what happens when the repair man comes cause last time he wasn.t happy bh wouldn.t give authorisation.

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  • 4 weeks later...

Updated brighthouse as been issued with court docs from me they have until 23 feb to reply or pay money owed.they not taken me to court like they said they would still want me to do a rewrite lol.another thing xray Wants to talk to me about bayv and bh misselling waiting for their phone call.i contacted them after seeing the mis selling from argos and currys and they said they are very interested in this case aswell so hopefully before long everyone will know about these companys mis selling these insurances and they.ll know their rights.

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  • 2 weeks later...

Well received a letter last week from a debt firm saying that i owe bh 425 and want payment

 

they done this day after being filed court papers .

 

and now today got another saying they are defending the claim

 

what do i do now as in the court leaflets no information if this happens so haven't a clue what i.m to do.

 

the debt letter is weird as they said i.ve defaulted on 425

 

i.ve not paid since last october so it would be an hell of alot more

 

don.t know what they are playing at .

 

[EDIT] are looking at my documents to see if its a good case to do of the misselling

 

she was shocked about bayv insurance giving you a loan so ypu pay interest on it and they don.t tell you this.

 

i hope they can make head or tail of the documents

 

cause i haven.t a clue what anything is on there they are so complicated.

 

so any advicr on the court claim eould be great please .thanks

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own thread created.

 

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... 

Link to post
Share on other sites

so you have a court claim form?

 

who from?

 

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... 

Link to post
Share on other sites

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