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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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    • 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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Car broke down after 2.5 weeks please help??


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Hi all

 

Thanks again

 

So here's the latest hubby arrived at dealership with car they have completely refused to take it wouldn't let him park it on thier forecourt they said it needed to be taken to thier garage less than a mile away tow truck man was happy to do that but they refused to fine my hubby the garage address

 

My hubby has had to leave it in a street next to the dealership they refused to accept the letter my husband had to put it on the desk in the office the man who was there who as far as we know isn't the manager was telling the receptionist to not accept the letter he over heard my husband call him a t***on the phone to me and he is saying my husband swore at him he didn't and he had already refused to accept it

 

My hubby has took pics of the car but had to bring the key home because they wouldn't accept it what should I do now?

 

Thanks

 

Just to add they kept saying it's private property the car is not ours it's yours

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Hi

 

Just a bit more as my hubby was parking it on the street the guy came over and said I have accepted your letter and you will hear from our solicitors he also said he will get it towed somewhere else and make us pay for it

 

Should I ring the finance company back today or leave it till tomorrow?

 

Thanks again

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Hi

 

Sorry for all the updates but the dealership has a "email us" option on thier website could I email this letter and then send a hand written one by recorded mail and woul the email in my sent box act as proof?

 

Thanks guys

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That's fine.

 

Hi

 

Sorry for all the updates but the dealership has a "email us" option on thier website could I email this letter and then send a hand written one by recorded mail and woul the email in my sent box act as proof?

 

Thanks guys

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If the department that you need to speak to isn't there, contact them tomorrow.

 

Hi

 

Just a bit more as my hubby was parking it on the street the guy came over and said I have accepted your letter and you will hear from our solicitors he also said he will get it towed somewhere else and make us pay for it

 

Should I ring the finance company back today or leave it till tomorrow?

 

Thanks again

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Hi

 

Just a bit more as my hubby was parking it on the street the guy came over and said I have accepted your letter and you will hear from our solicitors he also said he will get it towed somewhere else and make us pay for it

 

Should I ring the finance company back today or leave it till tomorrow?

 

Thanks again

 

Hi

 

Sorry for all the updates but the dealership has a "email us" option on thier website could I email this letter and then send a hand written one by recorded mail and woul the email in my sent box act as proof?

 

Thanks guys

 

Can you just confirm, has he accepted the letter and is this a rejection letter ?

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Hi Conniff

 

I basically said in the letter that he had 2 choices either he could take the car back or I would reject it under the SOGA I also quoted the year :-/ he didn't even have the letter out of my hubby's possession before he refused to take the car back my hubby explained we had it 2.5 weeks he kept saying it needs to go to our garage but refused to fine the address he said this is private property the car is yours not ours

 

Thanks

 

Sorry yes as my hubby was parking it on the street he came over the road and said I accept your letter and you will be hearing from our solicitors he still wouldn't take the key I am going to send them recorded delivery

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Just a summary:-

 

1)They wouldn't accept car

2)Car left in side street

3)Letter accepted--but wouldn't accept key--your emailing the letter aswell

4)Your going to contact Finance Company tomorrow rejecting the car

5)Costs £32 Taxi -------£80 Tow Truck

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Hi Rebel

 

Yes that pretty much sums it up

 

I could email the template to the dealer today but would it be better to leave it till tomorrow?

 

The only thing I am worried about is the finance company saying "you need to give them a chance to fix the car"

 

Surely after the way they behaved when my husband took it back they can't expect us to deal with them?

 

Thanks all

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E-mail them today, so it's ready for them to deal with.

You've rejected the car because it has an existing fault, the Finance Company should except that.

 

Hi Rebel

 

Yes that pretty much sums it up

 

I could email the template to the dealer today but would it be better to leave it till tomorrow?

 

The only thing I am worried about is the finance company saying "you need to give them a chance to fix the car"

 

Surely after the way they behaved when my husband took it back they can't expect us to deal with them?

 

Thanks all

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When you speak to the Finance Company tomorrow concentrate on the faulty car and the reason why you need a reliable car, your son. The return of the car and the agro your husband received is secondary.

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Hi all

 

Thanks again for all the help

 

I am feeling pretty nervous this morning I am really hoping the finance company will help and this thing won't drag out too long

 

Can't tell you how badly we need a car it is all such a worry

 

I will keep you all posted

 

Thanks again

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Thanks again guys

 

Had a email response from the finance company they say they are so sorry to hear of the problems with the car that my email has been forwarded to my accounts manager and they will be in touch

 

I will keep you all posted

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summary:-

 

1)They wouldn't accept car - awaiting to hear from their Legal Team.

2)Car left in side street

3)Letter accepted--but wouldn't accept key--your emailing the letter aswell

4)Finance Company - reject letter passed to account manger to deal with

5)Costs £32 Taxi -------£80 Tow Truck

6)Cancelled insurance.

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Hi rebel

 

Should mention I did email the rejection letter both to the dealership and "cc,d" the finance company today I have to go and send the manual and the service history booklet and the key by recorded delivery it's pointless going down there they won't accept it

 

Thanks

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If you do send it by post, send it 'Next Day Delivery' so it can be tracked correctly, Recorded Delivery is 'hit' and 'miss'.

 

Hi rebel

 

Should mention I did email the rejection letter both to the dealership and "cc,d" the finance company today I have to go and send the manual and the service history booklet and the key by recorded delivery it's pointless going down there they won't accept it

 

Thanks

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We acknowledge receipt of your email.

 

The matter has been passed onto our legal team who will make contact with you.

 

Just recieved this email from dealership

 

Sorry meant to ask should my hubby now cancel the insurance on the car? We have not cancelled the direct debit to the finance company the insurance haven't even had a chance to take a payment yet we paid a deposit to start the policy it's due to go out on the 15th I believe

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Email the insurance company, explain why the policy is being cancelled, car faulty, rejected under SOGA 1979. Then cancel the DD. Phone them up see if they will refund the deposit as a goodwill gesture.

 

We acknowledge receipt of your email.

 

The matter has been passed onto our legal team who will make contact with you.

 

Just recieved this email from dealership

 

Sorry meant to ask should my hubby now cancel the insurance on the car? We have not cancelled the direct debit to the finance company the insurance haven't even had a chance to take a payment yet we paid a deposit to start the policy it's due to go out on the 15th I believe

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Is it wise to cancel the insurance ? If the car remains on a public road with the OP as the registered owner, surely it runs the risk of being towed away for not being insured on a public road, which would complicate matters considerably. Seeing as the garage are not being helpful they might even initiate it by notifying the authorities.

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Hi spb

 

A good point well made I am hoping the fact that I have recieved a email acknowledging my rejection letter of the car I can also prove I recieved that before I emailed the insurance company hopefully that means I can prove the dealer knew the situation

 

Thank you :)

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The dealer had the opportunity to recover the car, but chose not to, saying

'it's yours, it's yours'. comical customer service.

 

Is it wise to cancel the insurance ? If the car remains on a public road with the OP as the registered owner, surely it runs the risk of being towed away for not being insured on a public road, which would complicate matters considerably. Seeing as the garage are not being helpful they might even initiate it by notifying the authorities.
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