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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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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Blackhorse - My sisters journey begins ** SUCCESSFUL CLAIM **


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each one of these agreements shows it paid off the previous loan.

 

thought so...

 

statements need for the last two please in the chain 12k, 20k

 

don't seem to be in this thread even though they've been asked for several times.

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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well unless you are telepathic, but i'm not.

 

if you cant/wont do it yourself

as asked since post 12 now.

 

we need to see ALL the agreements

and

ALL the statements for each loan...Ka?

 

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

i am totally confused at the mo ???????????? Help There are pages and pages of transcripts and I am tryigt to work out timescales of the loans as they have had that many and most of them they cleared in a few months, I tried to do the sheet for the 20k loan but as they cleared it in 10 months I am baffled and ready to scream

They paid this off in 10 Months

Im learning more every day :)

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that's very good well done

now work out the PPI% of the settlement figure as link 1 below.

 

we still need to see

 

the statements for the 20k loan.

the statements for the 12k loan

 

then we'll help

 

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

trouble is you need to do the FIRST LOAN first.

 

because the 20k was Last in the chain.

 

so those figures will be wrong [as such]

 

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

Aww flip they have been getting loans up until 2012 but the later ones had no PPI. I dont hink I will ever get my head around them. Have completed the FOS questionnaire for two of them, its the working out of them thats the hassle. My mums were straight forward and using the stat sheet was a great help fpr the MBNA but this is a nightmare

Im learning more every day :)

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the PPI will still be carried through to the last loan.

 

can we have those statements please............

 

as these are in a chain

you wil only need ONE FOS CQ

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... 

Link to post
Share on other sites

no that's the 12k loan statement that you've already posted.

 

we need: the statement with £20,214 at the start.

 

and the agreement & the statement for the loan started : 31.10.03

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... 

Link to post
Share on other sites

  • 1 month later...

good but you need to scan up the missing statements

to even begin to know if its correct

 

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

Blackhorse upheld the complaint, tried to work out if correct redress but statements she had way too confusing as my sister and her husband refinanced and paid loans off early, they are happy so Thanks everyone for al the hel pI put the complaint in for them 13 November and the upheld letter dated 23rd December 2013 so not too bad at all

Im learning more every day :)

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Excellent news, nonirongirl.. as long as your Sister and her husband are happy, that is all that really matters. :)

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Aww they are its over £5.000 they didnt have and they had that many loans and paid them off after a few months,they aregoing to sign the acceptance form tonight and post it backThey are happy I did it for them as well we dont have paypal accounts to make a donation so I am going to see If I can set one up to make a donation as I have been helped with my mum and my sister :)

Im learning more every day :)

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