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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
      • 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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First National Tricity Finance/GE


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All creditors were written to by letter dated 21.08.06, to inform them of financial difficulties. I enclosed £1 token payment and cont’d to pay this for some months until payments increased. The original payments amounted to £500-£550 per month. I am still currently making reduced payments as below.

thanks for your help/advice.

 

Creditcharge Store card (First National Tricity Finance/GE Capital Global), has been with AIC/Aktiv Kapital since 2006

Not showing on Equifax file

Balance £1074.35

I pay £4.61

I have 1 Statement from Creditcharge dated 10.10.2005 for May 05-Sep 05 showing 5 PPI’s added during this time.

 

I have the original Default Notice, well 2 of them - one dated 04.10.06 and the second dated 10.10.06

 

1st letter r’cd from AIC, client named as Aktiv Kapital, dated 16.11.06 gives “Formal Notice of Assignment of Above Debt”

 

CCA requested 06.01.14. Letter r’cd from AIC dated 09.01.14 saying they are requesting from original creditor (Ak Kap) and will be in touch one way or the other.

Should I stop paying them until resolution?

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yes

and send the failure to comply letter

 

yet another cash cowed debt of your

 

and another ppi to reclaim

 

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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yes

and send the failure to comply letter

 

yet another cash cowed debt of your

 

and another ppi to reclaim

 

dx

 

 

thanks, will stop payments, send failure to comply letter (14 days up on 23rd I think) and try to claim PPI back

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CCA'd original creditor re this debt. Letter from Santander r'cd today returning £1 postal order referring me to Ak Kap who now administer the account.

CCA to AIC - reply letter r’cd dated 09.01.14 saying they are requesting from original creditor (Ak Kap) and will be in touch one way or the other.

Still waiting to hear from AIC/Ak Kap.

 

 

 

 

 

 

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how surprising

 

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...

reply r'cd from Santander re PPI admits they can't provide evidence of PPI on CCA, due to time elapsed (already posted in PPI forum) - I assume that means they have no CCA to refer to. Be interesting to see if AIC/Aktiv Kapital (formal notice of assignment r'cd Nov 2006) come back with anything re CCA, not heard from them since 09.01.14

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