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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.

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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Credit Security Ltd old Lloyds credit card debt - now robbersway.


agjones
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dx

 

Of course you are right, I have stopped paying and I ignore letters and telephone calls - but they keep coming; the phone calls, that is, but not letters recently. It would be much preferred if they had no part in my life. Perhaps that is too much to expect! It is a pity there is no Parliamentary action on these illicit operations.

 

ALSO, to Sato999, you have come to the right place for your advice and guidance. Lets hope we both get rid of these vermin!

 

Thanks

 

Tony

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dx

 

Of course you are right, I have stopped paying and I ignore letters and telephone calls - but they keep coming; the phone calls, that is, but not letters recently. It would be much preferred if they had no part in my life. Perhaps that is too much to expect! It is a pity there is no Parliamentary action on these illicit operations.

 

ALSO, to Sato999, you have come to the right place for your advice and guidance. Lets hope we both get rid of these vermin!

 

Thanks

 

Tony

How much was the original debt and how much have you paid in total and have you had a statement of the account from any party?

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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you are both being cash cowed

 

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 are both being cash cowed

 

dx

My thoughts exactly dx, pass an old debt around the "cronies" so all get a bite of the cake and if possible never send a statement.

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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Thank you for your comments dx and BRIGADIER

- I am reassured that ignoring Robinson Way will just leave me with the irritation of their persistence.

 

HOWEVER,

what is your reaction to my approaching the Financial Ombudsman Service?

You see, I have this letter from Lloyds Bank dated 24th Dec. 2013 stating they haven't been able to agree a suitable repayment plan with me,

so they have transferred my debt to Robinson Way.

 

The letter clearly cannot come from Lloyds as they are currently saying they have no documentation to hand

because my debt is nearly 20 years old.

 

There is surely some fraudulent practice going on.

 

What do you think?

 

Tony

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Thank you for your comments dx and BRIGADIER - I am reassured that ignoring Robinson Way will just leave me with the irritation of their persistence.

 

HOWEVER, what is your reaction to my approaching the Financial Ombudsman Service? You see, I have this letter from Lloyds Bank dated 24th Dec. 2013 stating they haven't been able to agree a suitable repayment plan with me, so they have transferred my debt to Robinson Way. The letter clearly cannot come from Lloyds as they are currently saying they have no documentation to hand because my debt is nearly 20 years old. There is surely some fraudulent practice going on.

 

What do you think?

 

Tony

 

 

 

 

I'm not sure the Ombudsman will have any thing to say on this, other than to reiterate what has been said previously i.e. " Mr Jones has been paying the debt for so long etc.

 

 

The debt has clearly been acknowledged, what is important before going forward is:

1. Have you had a statement of this account showing all payments made and the balance outstanding?

2. Through which other companies hands has this been through if any.?

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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if you wish

scan up the supposed letter from Lloyds.

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

you can click on your links to check them too!

.

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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Hi

I am not sure why you are saying that the letter can not come from lloyds. If I read this correctly all they have said is that they can not provide a copy of the agreement as it is so old. However what that means is that the debt is unenforceable and as of April 1st they should be admitting that (the new FCA rulebook)

 

With RW you are still getting phone calls and threats of doorstep visits even after your letter to them?

In that case I think make a complaint to them pointing out that you have already told them this debt is unenforceable and in addition combine this into it http://www.consumeractiongroup.co.uk/forum/showthread.php?387366-Harassment-amp-Threat-of-Doorstep-Visit-(update-21.04.2014) Keep a copy and send it either free proof of posting or by RM signed for . My point is that there are some battles you can easily win and others that give them lots of wriggle room. Fight the battles first you can win

Any opinion I give is from personal experience .

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Sorry to mess it up - hoping I have now got it right with a pdf file.

 

With various references removed, may I point out that none of the correspondence from Lloyds (especially the first letter) has the credit card number on it.

 

Tony

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thread tidied

 

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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