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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
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Hi, I have been very grateful for the advice of the CAGers on this forum, and I wonder if I can ask once more for some advice. Having gone from having 14 outstanding payday loans I am now down to a final 4:smile: ( I pick a lender to deal with each month and then devote my efforts to negotiating with them until we agree a full & final settlement.

I am really struggling with CRS who have taken over as DCA for MYJAR(formerly txtloan), originally I was dealing with Mackenzie Hall who agreed to my repayment offer of £1 per month (after mediation with my mortgage company & help from National Debtline). I wrote to MH back in May asking for a statement of my account and they emailed me back with some nonsense about them being unable to produce a statement, so I left it and went on payng £1 per month. In August I was contacted by CRS who sai they have taken over from MH. I have repeatedly emailed and asked for a statement and a copy of the original agreement and they still haven't responded or acknowledged my request. The original request I sent was on 11 Sept, it was sent again on 15th Sept, then I chased on Oct 2nd, when I recieved a reply saying they had asked for a statement that would be forwarded once they recieved it. I have still not got a statement and they have taken to ringing me daily even though I have told them via email not to contact me until they have my statement.

HELP!!! What can I do and where do I go from here? This is the chosen PDL I want rid of next because they are causing me so much stress.

Can I contact the FOS about them and how long will that take?

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Get the myjar one into dispute. You're being passed around as you have been marked as gullible. Proof of that is you paying Mucky hall despite them offering no evidence of the debt. They then sold it to another DCA who is trying their luck.

 

If they are constantly ringing you, send the telephone harassment letter and send by recorded delivery. ALlow 2-3 days for them to recieve it and act on it. IF they still harass you, read up on harrison vs link. ( Make a note of any and ALL dates and times they contact you).

 

 

Before you go to the FOS, you need to exhaust the DCA's complaints procedure. You do this by writing a formal letter of complaint and heading it as such. The DCA then has 8 weeks to sort it out, then you can go to the FOS.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The current DCA. You could send one to myjar, but from your info they sold it long ago. It's worth a shot. COmplaint to myjar and complaint to the company chasing you.

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Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi, my statement and a credit agreement came though the post this morning. When I say 'a credit agreement' I mean not one relating to my outstanding balance!

I signed up with Text Loan, they have sent me a MYJAR agreement with the date & time of signing as 7/6/2011 12.25!!! This is for a loan they issued on 15/3/2012??

The initial loan was £300, £51 interest and the first default charge was £25, they have been charging £3.40 per day until the account was handed over to the first DCA, at which point they added an admin charge of £138.50. Giving an original outstanding balance of £692.50!! I have repaid £217 so far.

Where do I go from here as they obviously haven't got the relevent credit agreement?

Any help much appreciated. (Happy to send copies of the docs if anyone needs them).

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I wouldn't reply yet. Let them put their foot in it by claiming they sent the correct one when it's obvious they haven't.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Don't fall into their trap. A dcas are not bailiffs and have pretty much no rights.

 

Their next move will be another threatogram. Then you can send a cca request

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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