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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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Motormile finance and verification letter

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Hi all.

I recently sent a cca request to motormile with a template from this site.


I had a loan with quid24 which got passed to Mercantile Recovery Solutions.


I set up a payment plan with them, paid the first installment and then out of nowhere,

received a letter from mmf stating they were now chasing for the debt and with the usual threats etc.


After lots of too and fro over emails etc and speaking via email with quid24,

I had it confirmed that it was passed to Mercantile.


Mmf advised they bought the debt from Mercantile but had no record of my first installment.


I then requested a cca from mmf after doing some digging on them and seeing how scummy they are.


Today I have come home to a "verification and fraud notice" from mmf which provides details of the amount borrowed,

my salary and employer at the time and my full bank details at the time of borrowing and the outstanding amount.


It does not give any details of the credit agreement nor us there a copy of it as requested.

They just state that this is the information about the loan and if I believe it to be fraud they can investigate.


It states collection is on hold until I reply.


Sooo...what do I reply with? Because to my knowledge, what they've sent isn't what I asked for.


Thanks folks.

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You simply write back to them advising that you do not understand their response to a legal request for a document they should have on their records.


You have provided them with the statutory fee of £1.00 you now expect the following.


Copy of the agreement they say you signed

Copies of terms and conditions both at inception and at default or currently

Statement of account showing how they have arrived a the sum they say you owe.


That they are legally obliged to comply with the request within 12 working days + 2 - that as they have now acknowledged they have received your request, you are giving them 7/10 days in which to comply and if they dont, then you will be taking your complaint further.

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Uploading documents to CAG ** Instructions **

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5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.


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Ok, great. Thanks for the reply.


It does seem to me they are buying time because initially, they said that the debt shouldn't have been passed to them if I had entered into a repayment plan etc with Mercantile.


Turns out though, Mercantile is no more *I think* and the day Samantha Fraser resigned as director and paid off her staff the director at mmf was appointed.


Are they all one in the same? Mucky hall, mmf and Mercantile?


Do I also have a case for breach of data protection given that the letter I got today quotes a bank account with information, acct no and sort code etc?

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sounds like another version of the old google earth trick


they post you a picture of yout house

and say wanna lose this?


pay up



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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