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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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British Credit Trust - Charging Order on Home


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Sorry it's been a while....trying to sort Mortgage issues.

I have statements from BCT. It appears the way they work is the starting balance is balance borrowed plus the interest for the term of the loan...hence why it appears to have doubled. They have added around £400 worth of charges to this.

 

I am a tad confused though....we have a letter from Land Registry about a charging order they obtained but within the mortgage paper work they have asked for info on us in case they want to go for a charging order...would this mean in case they decide to actually use the charging order.

 

Also we had a letter asking us to make an offer for full and final settlement. Since that letter we have had DCA's chasing us for the debt.....slightly confused

 

Xx

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urm... a reduced settlement offer huh.

 

did you get the sar done?

 

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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Well i am thinking I must of done it ages ago as I have found a full statement including charges...only 2 pages long. Found the Land a registry paper work and I already have a copy of the credit agreement. Which actually states we borrowed the money for paving....we actually borrowed it for Protecacoat

 

Do you think else is missing then ?

 

Xx

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I am assuming that they have realised it's not worth going for the charging order.

 

I am wanting to get this all in a position that hopefully I can offer settlements. Within our FSCS complaint we have we have included amounts to offer settlements with various debts this being one of them.. Basically we said that had we not of been sold a bad mortgage then we would not be in the financial mess we are in. So therefore in order to put things right we want some money to clear these

 

Xx

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ah yes just re read the story.

the 2009 posts are [were] most useful too you.

but you've let them get the CCJ and the CO>

 

not a lot you can do about that unenforceable agreement now.

they've railroaded you.

 

protectacoat

 

25% PVA glue the rest is water.

 

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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who owns the debt now?

 

you don't have to tell them you are selling the house

 

or do they already know?

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

Can't remember ...will find the letter. Not going to tell them that we are selling but if they have a co they will find out. The way it stands currently we have no equity but,....if all goes to plan and we get out charges back from Kenny's (taking that to court) and IF the we win our case we will have it.

 

Now I have just sounded that out it doesn't matter either way really does. No equity they don't get there money by way of c/o ....if we win our cases then we offer settlements?

 

Xx

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who's name is against the CO?

 

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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