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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.

      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.
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      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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1st Credit/ Marks and spencer


davel32
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Hi my wife had a debt with M&s which went into default when i lost my job,

 

it wsa taken over by N C O, 2005-2006

 

we paid for a few years, we split up 2011 and split debts

 

this one got lost somewhere and has not been paid.

 

she has just started receiving letters from 1st credit staying they have bought the debt from M&S and want paying,

 

i have emailed and asked for copys of account and credit agreement and am awaiting them,

 

they say they have to get them from their client,

but surly if they have bought the debt they are the client??

 

There has been no contact between ourselves and M&S for well over 8 years does this mean i can go for statute bared??

 

can anyone help thanks?

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def yes!

 

check her cra file.

 

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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It's highly unlikely 1st Credit will respond to the e-mail, if you want a copy of the agreement you will need to make a CCA Request under sections 77/78 of the Consumer Credit Act 1974, there is a £! statutory fee to pay,1st have 12 + 2 working days to comply, use the template from the CAG library ifd they don't produce the documents.

Debt is sold in bulk with little detail and without the agreement.

 

If you are sure of the above send the following to the Compliance Manager

 

1st Credit.

 

Ref: use theirs.

 

Sir/madam,

 

I refer to a letter from 1st Credit dated xx xx xxxx regarding an alleged debt originating from an account with M&S please note I do not acknowledge any debt to 1st Credit.

 

Have reviewed my credit history I have concluded that any such alleged debt is statute barred therefore no payment will be made.

 

1st Credit is reminded that if it should dispute the status of the alleged debt the onus of providing unequivocal proof that the debt is not statute barred falls entirely on 1st Credit.

 

1st. Credit will now cease to process all data relating to me/us and remove it from it's records.

 

I aware of the OFT Guidance on Debt Collection and the section regarding the pursuit of Statute Barred debt.

 

Send b recorded delivery.

 

Statute Barred = 6 years no payment or written acknowledgment of the debt.

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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no show

bet you'll get a discount letter next.

 

they wont have the CCA either

 

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

then its dropped off on the defaults 6th birthday

 

so most prob sb'd by a longshot.

 

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

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