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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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Notice of Assignment received 5 years after debt sold Citicard


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I need some help now,

 

I've received another letter today advising me to get independent legal advice

as they say they have fulfilled their obligation and provided me with copies of all the relevant documents under the cca.

 

I've just looked through my paperwork

and find they have sent me what they say are the t&cs for when the account was opened which show my address at the time,

 

admittedly they are just on plain A4 paper and have been downloaded from somewhere or other,

 

they also sent a copy of the t&cs at the time of default showing my correct address at the time..

 

I don't know if these are the right t&cs as i have nothing to compare them with.

 

However on the ones from when the account was opened it shows a date at the top of xxxx 2003

when you turn it over on the reverse there is a copyright sign and 2008?

 

The default notice was also not correct but i haven't advised them about this yet.

 

What year is it that they have to provide an actual agreement if it goes to court?

 

I'm sure I read somewhere that if an account was opened pre whatever year they have to have the actual document?

 

I'm getting a bit edgy on this one now,

the default is due to drop off early next year and it becomes statute barred later next year.

 

Any help would be appreciated.

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you really need to stop comms with these people

 

if you had done that years ago

 

then they would have given up.

 

what this lot have is the same docs that caused the cancellation of the SD last time.

they have nothing more, so, nothing changes.

 

ideally too

rather than mulling over the letters you get

 

we need to see them cause I bet NOWHERE does it say WILL anything.

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/

..

if you have multiple scans/pics

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

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 full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

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

.

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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Thanks,

 

I have no intention of replying to them..

 

however the difference is they have provided t&cs (alledgly) from when the account was opened

 

and from the date of default (allegedly).

 

These hadn't be provided at the time they served the SD,

 

will try and upload the t&cs and letter shortly.

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incidentally the SB is after the default date?

 

its usually the otherway around

 

so without scanning 3 pages

 

you paid something after the debt was default via the DN?

 

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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I never paid anything to 1st credit..

 

I asked citi if I could pay reduced payments when I got I to difficulty.

 

They said yes,

 

I paid token sums each month and they still issued a DN,

 

but I carried on with token payments until they sold it to 1st Credit.

 

Hope that makes sense!

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totally.

 

just for your ref

 

I don't think any citi debt has been to court and they've won in years.

 

I think you are wise to those issues already with their document issues anyhow

 

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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not the 'actual' original

but it must be a 'true copy'

 

they 'could' use a 'recon'

 

but just putting your details on the top

of say a scanned version of whatever docs you 'would' have gotten

at the time you signed the agreement is just not going to wash.

 

anyone can do that!!

 

I think the fact that its already been thrown out once

for this exact reason, would, in your case

focus any judges attention to anything they tried to palm a court off with

if they were ever bold enough to try it.

 

as this is effectively many years old now as you say.

if they were going to try, they'd have done it.

 

what you've got is willy waving as they know its getting mighty close

to SB date...then its gameover for them.

 

one last push to try and spoof you into coughing up

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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  • 1 month later...
  • 1 month later...

Received an email last week

saying I need to contact them as they have provided everything now ..

I ignored it, letter

 

received today headed

 

"county court proceedings being considered"

not sure what to do,

default falls off next month,

SB a couple of months later..

 

the t&cs they have sent are allegedly from when account was opened and when it was defaulted

(default notice not compliant though)

 

they have sent a statement recently with the alleged t&cs.

 

I have no way of knowing whether what they have sent constitues a proper recon.

 

Both have obviously been downloaded from somewhere rather than a file copy or a photocopy.

I guess if they had the original they would have sent it...

 

Advice required..

.not received anything like this before and

 

whilst I know it's only considered I do worry they may do something before it becomes SB.

 

Thanks

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std crap

 

refer you to post 158

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 would obv need investigating

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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the judge

 

stop worrying

 

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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dont worry DM, thanks to mrs or never throwing away a letter received since 1986, I have all the citi t&cs from 2001,to 2010, so if you ever need them checked just ask, yes even got trustcard from 1986:wink::wink:

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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Oh that's brilliant, thank you I may well need them! Are they proper t&cs as in leaflet form or just on plain white paper with name and address on? I suspect the former! Mine are the latter as they are obviously recons, so I may send you a private message to see if we can compare!

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DM please make space in your pm box for reply. Proper t&cs are indeed in leaflet form, but dont forget to comply with s78 they could type them on the staff toilet roll if true and accurate. If you post up what you have been sent I will certainly check against the "proper ones" and advise you of any differences:-)

  • Confused 1

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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I will post the internet rates here, can you reply by private message though as if any discrepancy I don't want the DCA to see them! Will deal with them One at a time.,.firstly

 

Sept 2003

 

Purchase and balance transfers APR 24.9% monthly 1.873%

Cash advance APR 28.8% monthly 1.873%

 

Tariff

 

Late payment fee of £20

Returned direct debit £25

Over limit £20

Copy statement £5

Insufficient funds for credit card cheque £25

Commission of 2% on foreign currency transactions

 

Thanks

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Am now getting daily emails from 1st Credit asking me to ring them urgently...they are being kept for harrassment purposes! They only have an email address I give out to people I don't want to contact me, so its no problem. They are appearing quite desperate now and i'm being very good at not responding to them, although it is difficult as I really want to.....

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