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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

PPI advise please


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Hello can some one help

 

i have applied to get back ppi on credit card and loan,

 

the credit card i defaulted on a few years ago and are paying it off via a debt collection agency,

 

if i get ppi back will the bank take the money off me or send me a cheque,

 

the loan i paid off years ago, but the bank i still owe monies to,

 

which are with debt collection agenies,

 

any advise would be great,

 

also i had a mortgage back in 1991 till 2005,

 

i had Mortgage protection insurance from 1991-1995,

 

which was stopped by my partner of the time,

 

the mortgage was in joint names,

 

but the mpi only in his name,

 

can i claim it back.He his now dead.

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why are you paying a DCA on these

 

do they own the debt

 

how old are they please

 

are these on your credit file?

 

if the bank no longer own the debts

 

the reclaims goto you.

 

as for the mortgage

 

i'd try and see how you get on.

if you've not got all your statements

 

each 'bank' will need an sar to provide them to you.

 

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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why are you paying a DCA on these

 

do they own the debt

 

how old are they please

 

are these on your credit file?

 

if the bank no longer own the debts

h

as for the mortgage

 

i'd try and see how you get on.

if you've not got all your statements

 

each 'bank' will need an sar to provide them to you.

 

dx

 

hello thank you for the reply,

 

the bank sold all the debts to differant DLA

 

i have had the debts for over 6 years now and yes they are on my credit file.

 

The mortgage is a strange one as they have addmitted that they have sold mpi to the person that has died,

they say as i am linked to the mortgage i can claim back,

 

i had to send death certificate,

 

i am now waiting for them to start the ball rolling,ie paper work for me to claim back,but its all rather confusing

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i'd be sending those dca's you ar paying a CCA request.

 

why did you blindly start paying them?

 

fell for the threat-o-grams?

 

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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it was all done via lloyds tsb yes we did panic as we own our own home, and i all ready have a ccj on a credit card with the same bank, my solicitor said i was lucky they didnt put a charge on our home

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you stop paying them

 

they've fleeced you

 

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

hello dx

 

i have drafted letters to my credit cards thank you for template, but

 

i have been reading all about the loophole in consumer credit act 1974,77/78 and

 

it seems that loophole has been closed and banks are still taking people to courts.

 

on of my debts is with court on a cja,

 

can i still send letter or am i wasting my time,

 

thanks for your help so far

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obv the CCJ one is 'immune' from a ccj request

unless the CCJ has been sold on and you are not paying the named claimant.

 

as for the rest

simply print the CCA request AS IS

 

insert their/your details

 

get a £1 PO LEAVE IT BLANK

 

send it 1st class with free proof of posting to them.

 

you do not sign the CCA

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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because you don't want them lifting a sig to 'made up' agreements,

it has been known.

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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I know you've been reading around

 

but don't fall for the rubbish they sprout in letters or the phone.

 

the original creditors sold your debts for a very good reason

they couldn't or wouldn't risk going to court.

9/10 that turns out to be mis-sold PPI

or

PENALTY charges

or

no paperwork

 

if you debts are pre apr 2007, anyone trying court will need the original agreement you signed.

 

no cca = no pay! mr fleecing DCA.

 

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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