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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.

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      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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Couple of Debt Questions


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Just to give background.

 

House repossessed in 2008, Husband made bankrupt but not me, because I wasn't on the mortgage so my debts weren't rolled into his.

 

Have an outstanding overdraft with Lloyds TSB.

I shut my account with a £0.00 balance in Jan 2008.

 

 

After the house was repossessed I did pay for post to be redirected to our address but never received a letter from Lloyds.

 

 

About 4 years later I received a letter telling me my account was overdrawn by about £600.

I can only assume something was missed and Lloyds applied their MASSIVE OD charges afterwards (my main reason for leaving them).

I haven't got a formal 'Your account is closed letter' which in hindsight I should have asked for.

 

The debt has been passed to a debt collection agency who send me letters periodically.

I've never responded to them. When would this debt become statute barred?

 

2nd one.....

3 Mobile have recently started chasing me for a phone contract from 2005.

I don't recall leaving an outstanding balance but apparently I owe them £68.

They have passed this to Lowell/Red.

Again I get periodic letters that I've ignored.

Would this be Statute Barred?

 

Many thanks

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.... 3 Mobile have recently started chasing me for a phone contract from 2005. I don't recall leaving an outstanding balance but apparently I owe them £68. They have passed this to Lowell/Red. Again I get periodic letters that I've ignored. Would this be Statute Barred?

 

SB by a country mile!

But check your credit file see whats on there.

 

Lloyds OD is possibly SB, however checking your CRF will show you, besides if it isn't then there will be plenty of charges fees & interest that you can reclaim..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If 6 years have elapsed (5 years if in Scotland) with either no payment or written acknowledgement of the debt then the debt is Statute Barred.

 

Going by the above dates that you posted, both accounts are Statute Barred.

 

Statute Barred Template Letter is here...http://www.consumeractiongroup.co.uk/forum/showthread.php?387368-Letter-to-be-sent-when-debt-is-Statute-Barred-(update-21.04.2014)

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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