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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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minicredit/DERS - help


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Re: Minicredit/Opos

 

Just had a call from DERS regarding my Minicredit loan.

 

First it was Opos now these muppets!!

 

Made out it had
jus
t been brought to his attention that my account was in default

and that he was prepared to do me a big favour,

even though he shouldnt be, and that he would accept £5 a fornight.......

.....there was a catch though...

 

...only on the provision that i gave them my debit card details!!!

 

I said i didnt want to but i was more than happy to make alternative payment arrangements,

pretty much as i had been doing so with Opos,

making a direct payment into their account,

 

but he said that he had to have my bank card details or no deal!!!

 

I asked him for his contact details, which he gave,

but he said that if i didnt agree there and then, then the offer to accept lower payments would be revoked

and they will send someone round to my property!!

 

What do i do?

 

did i do right in refusing my bank card details?

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Yes don't get involved in a CPA with these people, you would regret it, standing order safest so your'e in charge.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ohhh big bad man in dirty mac he come you tell him go forth and do not return.:madgrin:.

You don't haveto deal with them or talk to them.

You have made an offer to pay they have refused so they are in the wrong and are the loosers.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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yep.

 

DCA's have NO LEGAL POWERS

they ARE not BAILIFFS and never will be

 

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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the guy said that they will take me to court,

of which they do not have to provide me with any papaerwork and they will do the case in my absence,

as it is a non-defendable debt and i dont need any paperwork and that they can apply for an attachment against my disability benefits

- is there any truth in any of this?

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I don' t suppose this was recorded as it's all total nonsense!!

Threatening a vulnerable person!!

 

Empty threats to frighten you so stay off the phone ignore them if they call again.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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the guy said that they will take me to court,

of which they do not have to provide me with any papaerwork and they will do the case in my absence,

as it is a non-defendable debt and i dont need any paperwork and that they can apply for an attachment against my disability benefits

- is there any truth in any of this?

 

none!!

 

what bowlarks.

 

sad that wasnt recorded!!

 

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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sadly i didnt record the call,

was kinda caught off guard as it was a private number a

nd i thought it was somebody i knew ringing me.

 

I am so fed up of these people,

 

i have had 3 other loans with them and have paid them all off well within the alloted month they were due

and now that i have an issue with this one,

 

they are just such mean and nasty people.

 

The loan was £130 and they are demandinfg £1200!!!

 

I have sent them an income/expenditure letter,

offered a nominal monthly payment yet they just dont seem to have any consideration for people genuinely having financial issues.

 

If you go on the website of 'opos' and 'minicredit' they go on about customer satisfaction

and always strive to achieve a mutually beneficial solution should there ever be a problem

- what a load of **** that is!!

 

It has made me so ill with my nerves that i am on the miximum dose of prozac a day and am having to go for a counselling assessment.

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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... 

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