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    • Not really. I just wrote it based upon my credit file data with screenshots and stuff.  Also referring to multiple data points. You need to read before sending or writing it.    I have plenty of experience in this stuff so takes me half hour to write something like this. For you itll take an afternoon probably. An additional day with it on your CRA wont cause a problem.     Reference Material; ICO Credit File Guide - https://ico.org.uk/media/your-data-matters/documents/1282/credit-explained-dp- guidance.pdf ICO Main Page For Credit - https://ico.org.uk/for-the-public/credit/ CMF Limitation Act 1980 - https://www.checkmyfile.com/articles/the-limitation-act-1980-and-debt-time-limits.htm Gov Limitations Act 1980 - https://www.legislation.gov.uk/ukpga/1980/58/2023-11-18 (Latest Version) Transunion 6 Years - https://www.transunion.co.uk/consumer/credit-report-help/how-long-does-information-stay-on-my-credit-report-for Equifax 6 Years - https://help.equifax.co.uk/EquifaxOnlineHelp/s/article/Howlongdoesadefaultedorsettledaccountstayinmyreport Experian 6 Years - https://www.experian.co.uk/consumer/guides/defaults.html#:~:text=A default will stay on,you still%20owe%20them%20money
    • Thanks fkofilee , by any chance is there a templete for guidance that i could use to help me write the complaint?
    • Hi everyone,  There were many topics on this issue in the past. May I please have an update if anyone managed to buy or sell the house with the leasehold air space on it? would the bank lend the mortgage?  If I was not informed about the complications when selling the house. instead, they told me that this would add value to the house and sell faster which is the opposite. Can I file the case and dispute it for mis-sold and misrepresentation?  I am in the year 9th and I was not aware of the issue until I wanted to sell my house. There has been no communication since I signed the contract. The company has never contacted or updated me on how much energy the panels generated how much I used etc.    This is a free panel from the government schemes, run by  Freetricity.   Thank you   
    • All together.   
    • should i copy them in the same email or seperatley ?
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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
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      • 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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Many problems with new car from dealer 2 weeks ago.


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Hi guys in need of some advice please.

Bought the other half an audi 80 on the 25/6/14 from a small dealer in poole, dorset

Paid £2750 with 3 months warranty and 12 months MOT. Car is a T on a 99 with fsh new cam belt on 77k

Noticed a few problems with the car on the day we bought it, steering was pulling to the left quite bad(she didn't notice on test drive)

Liquid coming out of heater dials on dash and the front end was clunking.

Phoned dealer about problems and was told to return the car on two occasions to get problems corrected.

 

Knocking seems fixed, liquid was he spilt oil he said so he cleaned it up and he got the tracking done.

 

Drove home and the car is still pulling quite bad to the left, this was last night, the dealer suggested that I take it to get the tracking done as they may not have adjusted it correctly.

 

The misses went to drive the car tonight, first time since bringing it back from poole ( first time properly in fact)and now won't start, battery is fine, electrics fine so I'm assuming it's the starter motor, tried to ring the dealer and it rang once then said answer phone so tried on the mrs phone and it rang all the way to answer phone so I think he may have blocked me, tried again just now on mrs phone and it rang once then to answer phone( he had my mrs number as I left mine at home on first trip up) now his phone is off.

 

Update.

Managed to get hold of the dealer, he is adamant that we have to get the car low loaded to his premises at our cost 30 miles away, he also said we have to pay for a new starter motor, so all in it will cost us another £300 approx, without the steering issues.

After numerous txt msg exchanges he agreed to come to our house to see if it may be a fuse.

 

He turned up this morning had a little poke around the car, and still says that we need to bring the car to him at our cost.

I said I will make a few calls and get in touch.

What do I do now and do we have a chance of rejecting the car, it's been problem after problem and only bought it 2 weeks ago.

Many thanks.

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It's up to you of course but personally I would cut my losses and get rid of it. It sounds like a load of trouble and also it sounds like you have a dealer who is mainly uncooperative and seems to think that if you get a used car, then you have to take pot luck and you have to put up with what ever it is.

 

I would suggest that you write a letter detailing all of the problems and everything that has happened so far. If there are pictures to take – then take them. And then send him the letter and telling that because of this you are rejecting the car and that the contract is at an end.

 

Tell him to collect the car within seven days and if he doesn't then you will have transported to him and you will seek recovery of the costs of this from him alongside the recovery of the purchase price and any other expenses that you have incurred.

 

Let him know that if he will not take the car back under these conditions then you will begin a claim in the County Court within 14 days of the letter and without any further notice.

 

Don't make this threat if you don't intend to follow it through. It's not worth bluffing.

 

Bringing small claims in the County Court is extremely easy to do. You can spend your 14 days reading up a bit about it on this forum and elsewhere, getting yourself an account with moneyclaim which is the online court service which allows you to start a claim and pay for it and have it served very very quickly. It is excellent. Once you register on moneyclaim then you can start preparing your claim form. The claim form would be very simple it doesn't need any specially formal words. If the dealer doesn't fall into line at the end a 14 days – then on day 15 complete the claim and send him the good news. I'm afraid that with this kind of dealer I don't really see that you have much other alternative.

 

Once you have issued the claim you can let us know what the name of the dealer is. Incidentally, it will be very helpful to you if you can get a second independent opinion of the car and a full assessment of it – especially of its roadworthiness. It is an offence to sell a car which is not worthy and so if you find any defects in the car which make it unroadworthy then this will add grist to your mill.

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By the way, don't do anything on the telephone – but if you must do then make sure you record the calls. Always record your calls when you're dealing with any kind of company including banks – in fact especially banks –, including second-hand car dealers (especially second-hand car dealers) – in fact everyone. If you record your calls you will never regret it – ever. If you don't record your calls then you will live to regret it

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Thank you ever so much for your very informative and helpful reply.

95% of our conversations have been through txt msg so have them saved.

It's a difficult one as the dealer does seem a fairly nice chap and has mended the knocking.

We paid full asking price for the car with a cam belt change( his idea) and 12 months mot.

 

On another note he said we have done 400miles in the car since we have owned it(from mot date reading) we have driven from Weymouth to the garage on 3 occasions with the problems which is around 150 miles other than that she has done about 4 school runs1/2 mile each way, to the Chinese once around 4/5 miles and shopping at the supermarket once around 5 miles, he had possession of the car overnight and for 2 days.

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Well Iv now written him a letter rejecting the car and wanting a full refunds as the car is not fit for purpose under the sale of goods act 1979(amended)

I have given him 14 days to act or we will go down the small claims court.

Edited by Pete and claire
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It's says in section 9.1 of Shetland that the dealer is NOT responsible for fair wear and tear,were the vehicle broke down or fault emerged through normal use.

Well the car broke down at my house 30 miles away 8days after sale, surely we are not responsible for the costs in the low loader? It will be around £200+.

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for 30 miles it should be about 60/80 pounds for that journey

if you cant find anyone try xxxxxxxxx on the web

It's not the point surely!

The cost of transportation and the cost of the starter motor.

We paid full asking price in good faith.

Why should we be liable for all these extra costs.

Edited by Pete and claire
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