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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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MBNA Using Underhand Tactics To Avoid PPI Claim


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In October I made a complaint to MBNA over my PPI on my credit card.

 

I then got two letters over the space of a few weeks.

 

One acknowledging the complaint and another apologising for the delay in resolving it.

 

Then I got this letter

 

You may recall that we recently contacted you asking for you to confirm details.

 

I regret to inform you that we have not received sufficient information to identify you.

 

We are therefore, unable to proceed with the investigation into the issues you have raised.

 

However, if you could verify the information, we will look to address any concerns raised.

 

In Addition, to ensure your complaint is dealt with promptly,

please quote the reference at the top of this letter.

 

This letter acts as our final response in relation to this matter and you now have the right to refer the complaint to the Financial Ombudsman,

within 6 months of the date of this letter.

 

I received no such communication asking for identification, it is a deliberate lie.

 

If anyone can give me advice I would be very grateful.

 

Do I have to go to the FSO now? or

 

can I call their bluff.

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call their bluff

 

write back stating no ID letter ever received.

 

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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call their bluff

 

write back stating no ID letter ever received.

 

dx

 

 

Thanks DX just banged off the letter and a SARS as I am in default on the card and have sold the debt, after thinking today, I think they have no intention of paying whatever.

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I think they have no intention of paying whatever.

 

I would think you are probably right :)

 

How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.

thegfb vs Natwest PPI - WON - £5.5k refunded October 2011 :-D

thegfb vs Sainsburys Bank PPI - referred to FOS 15/09/2011, WON - £2.7k refunded February 2013 :wink:

thegfb vs Capital One PPI - Complaint sent September 2012, dragging their heels :roll:

ongoing...

------------------------------------------------

Thanks for all your advice so far :D

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I would think you are probably right :)

 

How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.

 

It wil be more than that, I paid, on average, about £75 month for 10 years.

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  • 2 weeks later...

deadline for what?

 

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

give 'em a ring?

 

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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