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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.

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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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Payplan asking for bank statements and pay slips


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Hi,

 

 

I've been with Payplan for a number of years now, and

 

 

suddently I get a letter telling me my yearly review is close, and

 

 

they have asked me to provide payslips and bank statements, and have given me an envelope to use.

 

Usually I update them with a list of income and outgoings.

 

 

Why are they suddenly asking me for this?

 

 

Are they trying to flog insurance?

 

I pay around £150 a month and never missed a payment.

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strange I agree unless your creditors are asking?

 

 

you have checked all your debts are enforceable?

 

 

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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strange I agree unless your creditors are asking?

 

 

you have checked all your debts are enforceable?

 

 

dx

 

Sorry, how do I check that the debts are enforcable? Thanks. and no, I'm pretty sure that they are not asking, its been too long and I do not have any letters from them.

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Thanks dx100uk

Just looked at the letter again this morning, and they mention Equity Release, with Age Partnership. There is no way I would get involved with all of that. So not only are they trying to flog insurance they are also now trying to get commission on getting people to sign their homes away.

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urm .. dodgy .

 

 

can you list you debts please?

 

 

when you took then out

how much owing

what type of debt

who you pay now

 

 

dx

 

 

hvae you ever

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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Some debts go back around 15 years, no recent ones, certainly not in the last 9 years. Most of them are like Egg, Barclays, LLoyds etc. Around 14k still owing. I pay Payplan and they distribute, around 3 have been sold on.

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CCA requests to the lot of 'em.

 

 

but not bank accounts or mobile debts

 

 

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

CCA request

 

 

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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Barclays and egg? Credit cards?

 

I would also be doing a full Subject Access Request on those and looking for PPI and penalty charges (IF they are credit cards) as those can be claimed back PLUS interest in restitution.

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Apparently the section below from the Financial Conduct Authority Handbook covers this.

 

CONC 8.8 covers this

 

So the answer to the OP's original question is, yes, they are likely to request this.

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