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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
      • 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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Good evening this is my first post to this forum.

 

I am looking to send some f and f letters to DCA's in the week, can anybody advise on what level I should aim at I was thinking starting at 20% of outstanding balance.

 

Can people give me an idea of their experiences/successes.

 

Cheers

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Noone here can read a crystal ball.

We would need to know the history of each debt and know if any ppi existed also if it were credit cards, how many late payment and overlimit fees were applied.

 

Get reclaimables done first.

Also CCAs where appropriate.

 

Also be aware that paying them off will not improve your credit rating

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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We got ourselves in "quite" a mess last year. We are doing a self managed dmp, we have been making pro rata payments to all our creditors, cc's, loan, overdraft and next/Ikea. We have already got defaults. We are finding it difficult to stick to our budget, I was considering making £1.00 token payments, trying to save and then make offers.

 

I have considered PPI, I am sure we will have some, could there be an argument for trying to reclaim bank charges as this would get rid of a chunk of what we owe hsbc.

 

All advice welcomed.

 

Cheers

 

 

Noone here can read a crystal ball.

We would need to know the history of each debt and know if any ppi existed also if it were credit cards, how many late payment and overlimit fees were applied.

 

Get reclaimables done first.

Also CCAs where appropriate.

 

Also be aware that paying them off will not improve your credit rating

Edited by strepsi
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have you sent a CCA request to everyone you are paying?

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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click the CCA request link

 

 

it puts whomever you are paying to strict proof to provide your signed agreement.

 

 

can you list whom you are paying and when you first took that debt out

 

 

might be an idea to get your credit file too

do aLL your debts SHOW

 

 

noddle is free see below

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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Briefly, majority of our debts were 2013. However my wife thinks she got her next account in 2007/8 and I got a hsbc flexi loan in 2006 and hsbc overdraft prior to this.

 

click the CCA request link

 

 

it puts whomever you are paying to strict proof to provide your signed agreement.

 

 

can you list whom you are paying and when you first took that debt out

 

 

might be an idea to get your credit file too

do aLL your debts SHOW

 

 

noddle is free see below

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whom are you paying please

you mention DCA's.

 

 

its better to get everything listed properly then we know how to attack the enemy

 

 

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

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

whom are you paying please

you mention DCAlink3.gif's.

can you list whom you are paying and when you first took that debt out

We would need to know the history of each debt

and know if any PPIlink3.gif existed

also if it were credit cards,

how many late payment and overlimit fees were applied.

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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Ok, so here we go...

 

 

Key= M (Mine) W (Wife)

 

 

Credit Card

Natwest 2013 (M)

Natwest 2013 (W)

Tesco 2013 (M)

Tesco 2013 (W)

Asda 2013 (Creation) (M)

Asda 2013 (Creation)

Halifax 2013 (M)

Halifax 2013 (W)

Barclays 2007 (M)

Barclays 2013 (W)

Virgin 2007 (MBNA) W

MBNA 2013 (M)

Santander 2013 - Now been moved to Mint (DCA)

Sainsbury 2013 - Now been moved to Westcot (DCA), approx. 10 months ago

Bank of Scotland 2013 - (M)

TSB 2013 (M)

HSBC Flexi Loan (2006) (M)

Ikea - Finance

Next (2008) - Brecon Debt Recovery 2014(W)

Barclay Partner Finance 2013 (M)

BPF 2012 (W)

Creation Consumer Finance 2013(M)

 

 

As far as we are aware there is no ppi or any of this credit, however we feel that there could ppi on cards that we no longer hold. We have late payments on all of the above. I have not included overdraft within that list.

 

 

Cheers

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ouch most f those are post apr 2007 so a CCA request wont really help you.

 

 

me thinks you p'haps need better help than we can give.

there wont be that many penalty charges nor , I expect. much PPI to reclaim.

 

 

it might pay you to give the national debt line a ring.

 

 

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

We have spoke to stepchange last year, took the decision to do a self managed dmp. We are plodding on...

 

We are not looking to move house again, other than our annus horriblus 2013 we have never really need any form of credit other than car finance. So really wouldn't require applying for any more credit.

 

So would there be an argument just to make token payment for the foreseeable future (5 years), as we have defaults already. In that time save enough and then do f and f's.

 

What do you think, IVA has been mentioned last year, but we really felt that we didn't want to go down this route.

 

Cheers

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little point in paying token payments really just elongates the SB date.

 

 

step change will want to action 'something'

 

 

NDL will take the whole picture and advise whats best to do

they are impartial,

Payplan/stepchange are not .

 

 

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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Hi,

 

 

To make you aware just been checking Noddle,

 

 

it appears my Barclaycard was August 2004, it is not showing defaults on this only 'arrangement pay' and

 

 

hsbc flexiloan May 2006, there is in total £11000 here.

 

 

Cheers

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oh god the dreaded AP marker

kills your credit file for 12yrs almost

 

 

might be better you start a new thread for each debt

 

 

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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start a thread in the Barclaycard forum.

 

 

better answered there

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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