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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
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Equidebt letter.


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Hi all.

 

I am writing this as I'm a little confused.

 

Back in 2004 I had an HSBC current account that became overdrawn.

I rang them and they very kindly cancelled the money I owed them and closed the account.

I remember this as at the time I was very surprised that they cancelled it and I didn't have to pay.

The overdraft was charges from the bank which may be why.

 

About a week ago I received a letter from Equidebt saying they were looking for me which I ignored.

 

Today I received a debt collection notification saying the creditor is Activ Kapital and its for an HSBC current account.

If it is my debt I know the debt must be SB as it was so long ago,

 

I'm just confused as I'm sure my HSBC matter was closed, as it was at my parents address so I would have still received correspondance had it not been.

 

I know the previous tenant at my current address has a lot of debt and I am just wondering if it is my debt

or hers and they're writing to me as I now live there.

 

Any advice on whether I should ignore them or write to them would be appreciated.

 

Thankyou.

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Hi, It is unlikely that debts have been ''mixed up'' as data on debts is on the individual not the address

 

So if there has been no payment or written avknowledgment of the debt in 6 clear years it is statute barred,if you are sure of this send the following letter to Equidebt (this letter does not acknowledge the debt or restart the stat barred clock.

 

The Compliance Manager

Equidebbt.

 

Ref: use the one on their letter.

 

Sir/Madam,

 

I am in receipt of your letter dated xx xx xxxx in which you allege I owe a debt for £xxxxxxx to your client Aktiv Kapital originally relating to an HSBC account.

 

Please note I do not acknowledge any debt to Equidebt or its' client Aktiv Kapital.

 

Having reviewed my credit history I have concluded that any such alleged debt is statute barred, therefore I will not make any payment or offer of payment in relation to the alleged debt.

 

Should Equidebt or its client wish to dispute the status of the alleged debt I reminded that the onus of providing unequivocal proof of the status of the debt falls entirely on Equidebt and its client.

 

This is my final response.

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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