Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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

DLC after old WElcome Finance DEbt **FOS COMPO + DEBT CLOSED**


MONTY
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3230 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

If you have received their final response, you need to keep an eye on the time - you have 6 months from the date of their FR to make a complaint to the Ombudsman. IMHO, I would make the complaint now, it looks to me as though you will just be going round in circles with the DCAs.

 

In theory, once a complaint has been lodged with the FOS, the company should back off - so obtain an FOS reference number soon as you can so you can quote it on any further correspondence with DCA.

 

Thank you CitizenB - FOS complaint will be in the post next week

 

My feeling is they will push this to Court asap, certainly before 31.07.2015

Link to post
Share on other sites

  • Replies 178
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I think its about time you followed post 16

 

 

all this waving of arms around about this is in dispute etc etc

really doesn't do anything for you in the long run.

 

 

how much is owing to DLC on this debt

 

 

dx

 

1. Thank you Dx. Understood and I will do as you advise.

 

2. Depends on which DCA you believe! I have not had a statement since August 2012 and that was loaded with penalty charges

Link to post
Share on other sites

which was

 

 

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... 

Link to post
Share on other sites

£24k!!

 

 

they'd have already done court if they could

 

 

something must be seriously wrong with it. !!

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... 

Link to post
Share on other sites

just thought I'd read you full time line again

 

 

you've tied everyone up in knots quite nicely now.

 

 

dunno about the FOS now.

 

 

but ofcourse you could do so mind

 

 

going by their current timescale it will be SB'd by they time they even ack your compliant to them!!

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... 

Link to post
Share on other sites

£24k!!

 

 

they'd have already done court if they could

 

 

something must be seriously wrong with it. !!

 

That's where I need your help. What is the hidden piece or have I already got it?

Link to post
Share on other sites

hidden piece?

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... 

Link to post
Share on other sites

that's the golden bullet

 

 

there must be one

but i'll be darned if I can see it.

 

 

did ever get all the statements out of welcome?

 

 

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... 

Link to post
Share on other sites

I have not had an annual statement since 2012. I will go through my records but I am sure DLC in one of their letters last year allude to this, saying something like: 'no payments - no requirement for statements' but I think this is wrong and statements are required regardless. Indeed in their letter 18.06.2013, in response to my complaint DLC acknowledge:

 

'...while your complaint is being considered...you may receive statutory notices such as Annual Statements & Notices of Sums in Arrears. There is a legal requirement that we send these to you...'

 

Also, could CPUTR 2008 be a factor?

Link to post
Share on other sites

What is stopping them from going to court? What piece of information?

 

imo because its no longer secured- no house, no charging order,might lose on dn, costs then to pay

 

keep tying them in knots till sb, complaint to fos good start

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

imo because its no longer secured- no house, no charging order,might lose on dn, costs then to pay

 

keep tying them in knots till sb, complaint to fos good start

 

FOS will go out next week. Any advice on wording?

Link to post
Share on other sites

throw in everything your disputing to date, except the faulty dn, keep that to yourself for the time being

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

Monty

 

 

Has there been any update recently?

 

Hi Mike,

 

Just what I have posted. I am going to post the event logs from both WFS and DLC in the next couple of days. Also, I am writing the FOS complaint against DLC's behaviours

Link to post
Share on other sites

Excellent, especially those comments on 14/8/2014 and 30/9/2014,

 

Interesting to see their version of a sample DN

 

Little wonder WFS "can't find" the actual one

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

£24k!!

 

 

they'd have already done court if they could

 

 

something must be seriously wrong with it. !!

 

 

On Form 1 "cash price" why is this blank?

 

 

On form 1 "customer signatures" who placed the same date in both boxes?

 

 

message to admin the pdf's in this post have not bee redacted correctly personal details visible through the ink in "HD" see page 2

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

Monty

 

This is important info if you post up PDF's please use "mspaint" to remove your personal information and NOT INK as the data is visible through the ink.

 

You should remove the PDF's and redact them correctly

If I have been of any help, please click on my star and leave a note to let me know, thank you.

Link to post
Share on other sites

which scan where please cant find it?

 

 

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... 

Link to post
Share on other sites

On Form 1 "cash price" why is this blank? presume no insurances taken

 

 

On form 1 "customer signatures" who placed the same date in both boxes? joint ac signed at the same time by both the borrowers

 

 

 

nothing wrong with the ag imo, the dn is another matter

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...