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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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Optima Legal/MMF Claimform QuickQuid 'debt' ***Claim Discontinued***


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Hi everyone, I desperately need some assistance please.

 

I have just received a Count Court Claim from Optima Legal on Behalf of Motor Mile Finance UK.

 

The debt is for a PDL from QuickQuid dating back to 2010. I think they have sold the debt to MMF who are now taking me to court. I tied to make a payment plan with QuickQuid at the time but they refused to play ball other than to offer a payment plan over three instalments which I could not afford.

 

How do I proceed with MMF as I have very bad things about them

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Hi everyone, I urgently need some assistance please.

 

I have just received a Count Court Claim from Optima Legal on Behalf of Motor Mile Finance UK.

 

The debt is for a PDL from QuickQuid dating back to 2010. I think they have sold the debt to MMF who are now taking me to court. I tied to make a payment plan with QuickQuid at the time but they refused to play ball other than to offer a payment plan over three instalments which I could not afford.

 

Any advice on hoe to proceed is greatly appreciated

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Right this will be flagged to the legal team here on the site to offer advice...

Have you got the claim forms etc, ?

 

You will probably need to follow the instructions and submit a defence / acknowledgement.... This is acknowledgement of the claim against you and not the debt itself.

Who was the original creditor?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Yes I have the claim form which arrive today. The original debt was with quickquid over 19 months ago

 

So So sorry i missed the creditor info in the first post :/

 

Right... how much is it for ?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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total is £1210 broken down as:

 

amount claimed £1065

Solicitors fees £85.00

Court fees £65.00

 

The original loan was for £900.00 so they say in the POC but cant remember how much the original loan was to be honest. I did spend a while trying to negotiate with quickquid but wanted payment in full in three instalments, which too much at the time.

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Hello there, prior to the claim have you had notification from MM that they have become the creditor - this is sometimes referred to as a notice of assignment.

In addition, did you get any correspondence threatening legal action prior to the claim?

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Hi Sequenci

 

I have had numerous letters, and about 3-4 calls phone calls a day from MMF they have been very aggressive but I am guilty in not giving them the time and thus I have never responded. I never took there letters seriously and have thrown most of them away so could not answer your question as to whether they issued me with a notice of assignment. they do state in the claim that they have issued me with one though

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it sounds a good option with a few buts. My misses has just gone on maternity leave but does not have a job to go back too so I would probably qualify.

 

However, I would not want my landlord to know so would need assurance that this would be the case. I am not any rent arrears.

 

We have a car on HP which has about 1100 left to pay but have stopped paying because this amount is made up of penalty charges and some fee £500 admin fee which I don't believe and have been advised is made up and not enforceable. So in a nutshell although they say I owe them £1100 I dispute this. It seems that I would need to give the car back if I entered a DRO. I need my car to travel the 40 miles to work and have 3 kids so would find it very difficult to live without one.

 

So I'm not sure if a DRO would be a viable option if indeed I fitted the criteria in the first place.

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You wouldnt have to give the car back. If that amount is made up of penalty charges, get reclaiming them at the interest rate they charged you.

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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At a guess it's worth about 1.5k, ive has the car for 5 years so it's getting on a bit now. Also, after reviewing the DRO it states you need to have less than £50 after paying your monthly household bills. Does this include loan repayments and or other financial products. If so then I'm pretty sure I would not qualify for a DRO.

 

I was hoping that someone could advice me on how to proceed with the County Court Order that Motor Mile Finance as acted upon me. Do I just accept it even though they are the worst DCA out there and offer a payment plan? Will the county court claim be on my credit file irrespective of what I do.

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Hi there I have posted a similar post in the payday loans section but decided to also post it here as I could really do with some legal advice. Sorry for the second post:-).

 

I received a Count Court Claim from Optima Legal on Behalf of Motor Mile Finance UK on Wednesday. I admit to them sending numerous letters and phone calls but I have ignored then and so I guess I deserve what has happened.

 

The debt is for an old payday loan from QuickQuid dating back to 2010. I take that they have sold the debt to MMF who are now taking me to court.

 

I tried to make a payment plan with QuickQuid at the time but they refused to play ball other than to offer a payment plan over three instalments which I could not afford.

 

Any advice on how to proceed is greatly appreciated.

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Hi, same issues with MMF , regarding the court action yes the CCJ will be added to your credit file once issued you have 30 days to repay before its added to your file. keep posting information relating to MMF their is lots of help, top guy who helps on this site is BRIGADIER2JCS ( AKA The Brig )

 

Good Luck keep posting

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Hi there rippedoff

 

I am interested to know whether you defended your claim or accepted it and if defending a claim against a PDL is feasible or worthwhile. I hate to think that MMF bough the debt for £100 and then make a £1000 for doing nothing but being a parasite

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At present I am defending claims, they purchased old Mr Lender debt claimed 623.56, got them to accept 286.86, also they have start claim relating to old QQ/gothia debt 1004 only email threats, but will fight all the way. demand all paperwork keep posting you will get help

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This problem is that I really don't know where to start. Do I send them

a SAR? If I do will this stop the claim. What do I ask for etc.

 

What option should I choose on the Court Claim papers. If I

decided to defend what would be my defence. Sorry for coming across as

clueless but I am as I have never has a county court claim against

me:-)

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Hi tomtom. I'll flag site admin to move your thread to the legal forum where more knowledgeable people can help.

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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Thats ok. I'm sure one of the admins will sort the threads out so you get the best exposure :)

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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