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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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help with ndr & cat debts


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im new to this site

 

i will be glad if i can get some help to my answers.

 

after my wife was off work to have our second child we got behind on payments to catalogues.

 

i phoned them august last year to reduce my monthly payments

the reply i got was a snotty no,

 

i just payed what i could but they kept on chargeing me £12 a month i got nowhere.

 

ndr got in contact with me and i did my best in paying them the min i could afford

but im just hitting a brick wall.

 

now my wife is about to leave work to have our 3rd child and they still want payments that i temporay set up with them a few months ago but i just can't afford it now.

 

the debts are:

very outstanding £1456 , i have been paying £130 a month,

littlewoods £1193 outstanding i have been paying £88 a month and

kays well they want min £738 this month with £3168 outstanding and

last time i spoke to them they said they will pass debt to someone else.

 

i just don't know which way to go anymore i keep thinking about letting them take me to court.

we have unplugged the phone as they phone every hour from 9am till 9pm the stress is intense

 

any help would be fantastic.

 

regards steve

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hi steve

firstly cat debts are VERY [pun] low priority.

 

YOU need to take control

and STAY off that phone too.

 

no DCA has any such legal powers

they are NOT BAILIFFS.

 

can I suggest you do the following:

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

 

next you need ALL the statements.

 

send shop direct an SAR

 

and get reclaiming ALL those PENALTY fees

 

I've moved you to the mail order forum

 

plenty of other threads here to read

to get you up to speed.

 

last piece of advise...

 

STAY OFF THAT PHONE

 

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, many thanks

 

i will send for a sar and contact them with the above information and offers of monthly payments,

 

is it better to do this by phone or by recorded post letter

 

.it's just the next payments are due in the next 3 days s

 

o shall i wait for a response from them first before they see any signs of payment.

 

and sorry to go on but the Data Protection Act 1998.

 

Subject Access Request form i clicked onto from here the fee of £10

how's best to pay this ie cheque etc and do i send it to ndr or shop direct. many thanks steve

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always the OC ignore the DCA [NDR are shop direct anyhow]

 

PO to shop direct

 

and you don't OFFER you TELL THEM.

 

then do it by YOUR internet banking site

 

take control.

 

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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  • 3 weeks later...

hi,

just a update

 

still waiting to hear from other cats.

 

but received a letter today from k&co with a served under section 87(1) that i have to pay arrears of £738.44 before 23 apr with £3168.54 owning in total

 

or they may take further action .

 

it also states that if i have difficulty paying any sum then i can apply to the court or contact solicitor citizens advice etc.

 

i didin't send the last letter saying i will only pay £5 a month and to freeze intrest recored delivery

 

should i send one again but make it recored delivery so i know they get it .

 

this is just giving me a headache

 

any help would be great.

 

steve

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a default notice I take it?

 

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'd expect that on all the debts

 

it might be better to start a new thread foreach

cat debt as the sar returns its info.

 

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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