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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

Perfect Homes Problems VIDEO's will be added :)


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Hi i have taken out a purchase agreement with perfect homes / Temple Finance and have been paying £25 a week EVERY week since june 2012 for 2 sofas.

 

i have been very unwell and missed 3 weeks payments,

 

1st note through the door on the 1st week i missed.

 

But i have just had a visit from someone from perfect homes at my door requesting goods or payment.

 

I tried to get the rest of the remaining balance from the store but they couldn't tell me "i had to write to the head office"

 

So i dont know how much is left!

 

i told the lady at the door i had requested this info and cant afford to pay the weekly rate,

 

she started by calling me childish, and said she can get police presence, and they can enter anyway to collect.

 

i told her too and i'll film it she said, and i quote "f*cking go ahead" and laughed.

 

So i gave her a letter saying i remove all rights of access to my property from anyone from perfect homes or temple finance under common law.

 

So she walked away sat in her van on her phone and started to point at me laughing hmmmmm

 

From this point I will VIDEO everything being said at my door from these loons and post it on youtube,

 

no dout it should make for some good viewing when i confront them with the law and challenge them on any bullying tactics and false statements.

 

ANY questions ppl need asking while i'm filming? as i know many people have troubles with them.

 

Watch this space

 

Richie :shock:

 

 

 

EDIT LETTER I GAVE TO THE LADY

 

Dear Sir/Madam

Account Ref: Temple Finance Limited trading as PerfectHome

Please be advised that I will only communicate with you in writing.

Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully

Occupier

xxxx xxxxx xxxx xxxx

Edited by richie699
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Hello there. Have you paid more than 1/3 of the finance agreement? If so they'll need a court order to recover the goods. Even with it they are not permitted to enter your property. Only communicate in writing, consider reporting them to the Financial Ombudsman.

 

Best wishes,

 

Seq.

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I have all the receipts and have payed over £700 for the goods upto now, no dout there gonna be back trying to bully me hahaha

 

Thats why i'm gonna video them and shame them here.

 

I know they have NO powers of access to my property no matter what there bits of paper and swearing collectors say :)

 

Thx

 

Richie

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it would be better if you did not publish the videos

on CAG until they are checked please

 

how about upsetting them more with a OSC and DSC reclaim

 

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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she started by calling me childish, and said she can get police presence, and they can enter anyway to collect.

 

thats why!

 

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 sales assistant can see your full remaining balance along with any outstanding payments on screen as soon as you give them your name.

Demand you see your account information on screen, if they wont let you behind the counter, they can bring these details up on one of the laptops they regularly process their sales on.

The staff are advised to tell you to write a letter to head office purely for it to be awkward for you and to encourage you to forget about paying off your balance. They bank on customers not wanting to bother.

 

Perfecthome and the like do not want to tell you your balance as it is not in those company's financial interest for you to finish your agreement early.

More money is made on interest and any cover you may have on your items (coverplus, theft and accidental damage), therefor the longer you are paying for your items the more money they are making from you, plus there is allways the need for you to take out another agreement once you have finished with your present one.

 

If you feel you are fairly close to the end of your agreement term, i would advise, finalizing all payments and never dealing with them again. All the best,i hope you get it sorted! Please let us know how you got on

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