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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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Hsbc buy back debt to investigate PPI reclaim


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The one in their dreams ;)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 weeks later...

Hi Blobby

 

Just got an identical letter to yours. What a joke!

 

"3. If we are unable to forward a copy of the original agreement, we will be able to supply a true copy of the document which will comply with section 77-79 of the Consumer Credit Act 1974."

 

Firstly, why bother trying to find one thing - "a copy of the original agreement" when they then say they are able to supply "a true copy of the document which will comply with section 77-79 of the Consumer Credit Act 1974"?

That just doesn't make sense. DO IT NOW THEN IF YOU THINK YOU CAN.

Let me know if you hear anything more. I'll do the same.

 

Cheers,

 

Denver

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If they can provide a true copy of the original executed agreement they can enforce it in Court. It must fully comply with the law in respect of prescribed terms and so on.

 

The regulations provide for them to fulfil a s.78(1) CCA 1974 request with a copy agreement that does not contain your details or any signatures - a blank 'example' agreement, if you will - but they cannot enforce this in Court.

 

Remember that the Act requires a creditor to supply (to fulfil a s.78(1) request), as well as the agreement, a statement of account, and 'any other document referred to in the agreement' - such as terms and conditions (which must be the ones valid at the time).

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The true copy of the agreement that Hillsden sent me when they couldn't get a copy was an application form cut out of a newspaper!! They are now long gone after I threatened to sue them for harrassment. Stick to your guns with Mr Locke and don't let him browbeat you - anyone who gives false addresses on their stationary (as MDB) is just sad.

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Blobbypet, having a direct debit in place if you're dealing with Hillesden is a really bad idea. If you can, change it to a Standing Order. At least you will have control over what leaves your account then.

Also, I'm sorry to say this but most DCAs treat our credit reference files as their playground:mad: Hillesden couldn't default me (it had already been defaulted) but they still like to go in and have a rummage around. At one point, they marked my file as 'Delinquent' from 1899!:p

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Blobby, did you get a letter from hsbc (mcs) saying they had sold the debt to Hillsden (DCL).? If so, you are wasting your time and money still paying hsbc (mcs).

I got a hsbc letter (enclosed with the initial Hillsden letter) saying that the debt had been sold and that any payments to hsbc (mcs) would be forwarded to Hillsden (DCL).

I wil not pay Hilsden (DCL) until they come up with the CCA - therefore I've stopped the payments to hsbc (mcs).

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  • 5 months later...
Blobby, did you get a letter from hsbc (mcs) saying they had sold the debt to Hillsden (DCL).? If so, you are wasting your time and money still paying hsbc (mcs).

I got a hsbc letter (enclosed with the initial Hillsden letter) saying that the debt had been sold and that any payments to hsbc (mcs) would be forwarded to Hillsden (DCL).

I wil not pay Hilsden (DCL) until they come up with the CCA - therefore I've stopped the payments to hsbc (mcs).

Hi Denver how have you got on with dlc?

I get a letter every month saying that they are awaiting aggreement will write again in 21days lol

:confused:

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Hi Denver how have you got on with dlc?

I get a letter every month saying that they are awaiting aggreement will write again in 21days lol

:confused:

 

Anybody out there with same letters every month????:???:

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I get the same one every year :eek:

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 4 weeks later...
We will be able to supply a true copy of the document which will comply with section 77-79 of the Consumer Credit Act 1974.

 

What Document are they on about ??

 

Exactly what I thought:D

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  • 5 months later...

Blobbypet.

 

How are you doing with this ?

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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  • 2 years later...
Hi scott

Ive reduced my payments and not heard a thing for 3 months

Thinking of cancel payments altogether

:)

Dear Mr Blobbypet

 

Reference HSBC BANK plc Account number xxxxxx xxxxxxxx

 

We informed you by way of letter sent to you in January 2009 that the above account had been sold by HSBC BANK to Hillesden DLC on 13 January 2009.

 

Following receipt of your complaint to the sale of ppi and alow us to investigate the same,We write to inform you that the above account has been repurchased by HSBC Bank plc on 25th january 2013 and that HSBC are now the effective owners of this account.Yje amount outstanding as at date of repurchase is £8700.00.

Your account will be managed by Central Debt Recovery Unit on behalf of HSBC Bank plc.

All contact regarding this account should now be directed to:

CEntral Debt Recovery Unit

PO Box 4-93

Worthing

West Sussex

BN11 2RD

Telephone: 0845 609 0548

 

Our Payment Protection Insurance complaints team will contact you in due course in relation to your complaint

 

Yours sincerely

 

Gary Jones

HSBC BANK plc

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Got A Letter today from HSBC:

After filling out a ppi claim they have now sent me a bill

 

Dear Mr Blobbypet

 

Reference HSBC BANK plc Account number xxxxxx xxxxxxxx

 

We informed you by way of letter sent to you in January 2009 that the above account had been sold by HSBC BANK to Hillesden DLC on 13 January 2009.

 

Following receipt of your complaint to the sale of ppi and allow us to investigate the same,

 

We write to inform you that the above account has been repurchased by HSBC Bank plc on 25th january 2013

and that HSBC are now the effective owners of this account.

 

Yje amount outstanding as at date of repurchase is £8700.00.

Your account will be managed by Central Debt Recovery Unit on behalf of HSBC Bank plc.

All contact regarding this account should now be directed to:

CEntral Debt Recovery Unit

PO Box 4-93

Worthing

West Sussex

BN11 2RD

Telephone: 0845 609 0548

 

Our Payment Protection Insurance complaints team will contact you in due course in relation to your complaint

 

Yours sincerely

 

Gary Jones

HSBC BANK plc

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thats not a bill..

 

it saying we have brought the debt back from a sale to a DCA

 

and that we will be investigating your complaint.

 

whats the history of the debt please

 

and HOW did you instigate the PPI 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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several threads from many years merged for the history of the debt

 

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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