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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

Help needed with HFC claim please


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  • 2 weeks later...
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not forgotten

 

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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  • 2 weeks later...

tried 4 times

I just need someone to do the dirty work.

 

cant spend the time typing in 7 sheets of data.

 

from the statements of loan 6 I need EVERY payment or reversal entered into this sheet with its date.

 

i'll do the rest.

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

getting there

 

sri I should have pointed to the file

 

all these need to be inputted

inc the minus reversal ones.

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

getting there

 

sri I should have pointed to the file

 

all these need to be inputted

inc the minus reversal ones.

 

Thats going take some time will try to do it over the weekend

HFC go get them:-)

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dx I have entered the data, if you could have a look to see if it's ok. I'm sure I have entered all the data in the correct places but if you spot any mistakes just let me know.

 

 

Angie I tried to get it done before the football tomorrow (come on the Toon):-D

david

HFC go get them:-)

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dx I have entered the data, if you could have a look to see if it's ok. I'm sure I have entered all the data in the correct places but if you spot any mistakes just let me know.

 

 

Angie I tried to get it done before the football tomorrow (come on the Toon):-D

david

Thank you soooo much,lol! Hubby and son support Man United so dinner will either be very early or late tomorrow!

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ok that'll do for now

 

ideally the reversals should be -£155 etc

 

this is NOT anykind of reclaim.

 

what this is doing is preparing to do what IMS indicated above

 

the next step is trimming that down [as such]

 

and then working out what each rollover [from the old loans] % equals.

 

a bit like this bit of above:

 

ok so let's at least get the loan 5 figures worked out which we can use up to the point of settlemrnt by loan 6.

Loan 5 total amount inc PPI was £12534.25

Loan 5's own PPI was £2534.25

Loan 4 PPI rolled into loan 5 was £1,788.23

Loan 2 PPI rolled into loan 5 was £1,055.26

Loan 5 PPI was 2534.25/12534.25 x 100 = 20.22% of loan 5

Loan 4 PPI rollover was 1788.23/12534.25 x 100 = 14.23% of loan 5

Loan 2 PPI rollover was 1055.26/12534.25 x 100 = 8.42% of loan 5

Those will be the percentages of the respective PPIs in the loan 5 repayments.

 

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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you just type it in -115

 

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

that's great

 

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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  • 2 weeks later...

god has it been that long.

 

ok sri

soon

 

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

loan 5 PPI = 20.22%

[22:32:12] ims.21: Loan 4 PPI in loan 5 = 14.23%

[22:32:25] ims.21: Loan 2 PPI in loan 5 = 8.42%

[22:32:39] ims.21: That measn that the PPI figures rolled into loan 6 are...

[22:32:52] ims.21: £2790.36 loan 5 PPI rolled into loan 6

[22:33:12] ims.21: £1963.74 loan 4 PPI rolled into loan 6

[22:33:30] ims.21: £1161.96 loan 2 PPI rolled into loan 6

 

i'll play later

 

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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well only rollover

it does not have a ppi policy itself

 

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

well only rollover

it does not have a ppi policy itself

 

dx

 

Maybe, but it would never have occurred to me about the rollover from the previous loans. It certainly never occurred to us at the time they kept offering us new loans. How naive we were.....

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I think I've got it now

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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i'll have to look

there should standalone spreadsheets for 2,4 & 5 here by dave somewhere.

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

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