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    • I found it cheers Dave!!   I think focusing on lack of compliance with legislation should be the one, seeing as we just lost the case to them by not complying, it will be worth pointing it out. I also want to poi t out their m.o. Which is less than honourable to say the least. Hopefully the judge will side with the little old lady and not the peoppe who use deceit to line their pockets!!   She said she is happy to speak up but is kindly asking for assistance in the form of a bullet pointed printed paper for her to take in so she can read out her points and leave it at that (without rambling).    Straight and to the point!!    Daves post #66 is legendary 🙌    Thanks for the help guys 😊    Let's kick some ass    
    • I differ from my site team colleague slightly in the the six-month rule applies if you have asserted your rights within the six months. My understanding is that you haven't asserted your rights during that time. In other words you haven't informed them that you are giving them a single opportunity to repair and if they decline or if the repair fails then you are rejecting the car for a refund. Please correct me if I'm wrong. On that basis, you are covered by the consumer rights act but not in terms of the right to reject. You are covered under the consumer rights act in that you are entitled to purchase a vehicle which is of satisfactory quality and remains that way for a reasonable period of time. You don't have to prove that the fault existed at the time of sale – although that's what they will try to tell you and even the motoring ombudsman will try to tell you that. But the motoring ombudsman is an industry led organisation which pretends to be an ombudsman but in fact favours the industry and its advice is wrong and even deceptive. I think you should start off by writing both to the finance company and also to the dealership. Describe the fault to them. Send them the evidence you have that the windscreen was incorrectly fitted and the damage which has been caused as a result. Send in the quotation for the work and require them to respond within seven days and that they must agree that the work will be carried out by a competent professional an authorised repairer. Not one of their cheapskate once. Also, you will want them to agree to provide you with a courtesy car. Also have you incurred any expenses associated with this? Travel, car hire, cost of inspections –?? Have you told us the name of the finance company? My site team colleague is correct that if they cause any trouble then you should see them as co-defendants. You can be certain that they will put their hands up. It will go to court. You would sue them for the cost of the work. You would recover your costs of the installation plus your court costs. I don't think you will be able to sue for the rejection of the vehicle on the basis of what you tell us in terms of having not asserted your rights. However you will be able to recover the cost of all the works – making good everything so that the car is in the condition that it would have been in had the replacement windscreen been properly fitted. I wonder who fitted the replacement windscreen? I think I would be out to sue them as well. Post the draft of your letter to the dealership and also to the finance company here so that we can have a look before you send it off. Incidentally to answer your question about what should you do immediately,  I would suggest that you send the letter tomorrow. Wait until the end of the week. If they don't respond or if they respond negatively, then write to them immediately and tell them that you are not prepared to do without the vehicle. As they have failed to respond to your putting work in hand and you will be approaching them for the costs of all the repairs and if they cause you any difficulty in you will simply sue them. A bill of about £4000 is easy. It puts you within the small claims track so there is no risk of costs even if you lose – which is most unlikely on the basis of what you say
    • Thanks I have been reading quite a few this one got me as it did say they have instructed them to take legal action but thanks again your a legend 
    • Yes we will be emailing them. We have kept a log of all conversations with everyone involved and backed up conversations with emails 👍
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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.

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      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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Possible fraud at my address, please help!


ian-d
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Last week I received a driving license in the post for someone else, with my address on it. I called up the DVLA and they told me to just return it, as it might be an error on their system.

 

I have today received a letter from Lloyds TSB stating that this same person (at my address) has reached their overdraft limit (and beyond) and explaining about overdraft charges. I have phoned Lloyds and they have just told me to return it as "not at this address".

 

Naturally with receiving two bits of information, I'm now worried someone is using my address for fraudulent activities.

 

I have lived at this address for over 6 years since it was built, so there has never been any other residents.

 

I have carried out a credit report with Equifax which is absolutely clear (no credit checks) and I'm just waiting on the report from Experian, though hope/expect it to be the same.

 

Is there anything else I can do at this stage? I'm incredibly protective of my privacy, always shredding documents etc, so am concerned.

 

PS - I have retained copies of everything before sending back, just in case.

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Bad news for your situation is that credit checks are on YOU, not your property. You can inform them that no-one else is resident there but it wont make a difference in the long run but will raise a flag for anyone doing a credit check in the near future.

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Thanks, but they are using my address, not my name or details, so I assume any credit check is against the person and wouldn't cause me an issue as we are not linked/associated. I think they have just changed addresses using standard forms to avoid what ever; just hope nothing more comes of it!

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Bad news for your situation is that credit checks are on YOU, not your property. You can inform them that no-one else is resident there but it wont make a difference in the long run but will raise a flag for anyone doing a credit check in the near future.

 

What will raise a flag?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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To ian-d:

 

If you get anything else, the first port of call is to send a full complaint to the creditor/company that is sending the documents. One can be seen as an error. Multiple.... not a chance.

 

If you get multiple and the company doesnt stop it, then contact actionfraud. They will log the details, and give you a case number so you can update if you get any more. Once it crosses their "seriousness" marker, they will investigate.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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True. But AF will say to discuss it with the company first. Had it happen to be a fair few years ago.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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True. But AF will say to discuss it with the company first. Had it happen to be a fair few years ago.

OK Not dealt with them myself, follow Rens advice Ian.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I guess I'm just going to have to see what happens next and hope they haven't used my address for loads of things.

 

Hopefully credit associated with the address cannot damage my credit rating. I guess this is a regular problem with rentals, but feels horrible when it is your own home which you've owned since day dot!

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It shouldn't affect you if they haven't used your name, a credit file is for you, not your address.

 

Just keep tabs on your file and keep us informed of any developments.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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ActionFraud don't investigate anything, ever. They fill a database and run statistical reports.

 

Thank you for imparting your experience, be sure to comment again in 7 years Roy...:spy:

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've been lurking seven years - wow. The mention of ActionFraud touched a nerve with me. I won't hijack the thread with details, but in my experience the fraud has to be huge before the police will get out of bed. Four figures and a cast-iron ID on the perpetrator just doesn't register. Been there.

 

Another thing the OP absolutely mustn't do is have anything to do with CIFAS. In principle, if you believe you are at risk of identity theft, you can put a 'protective registration' on your name and address, which means a lender should take extra care to check that you are who you say you are. In practice, every credit application that you or anyone else at you address makes will be turned down. They're not supposed to do that, but they don't have the manpower to check and it's simpler for them just to say no.

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you can put a 'protective registration' on your name and address

 

Didn't know that! Something to look into and research a bit more...

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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