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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
      • 162 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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I was currently paying off to these [removed] using the online system.


at the beggining of the month,

when payment was due i was unable to access the account,

it stated balance was nil,


i then sent an email to jacobs on the 3rd asking what my balance was as i had an idea there was still some owing,


heres what happened



Reveived email bk at 10am on the 15th stating i owed £ 207,

had to be paid by end of day as it was bk in the hands of the baliff


1hr later i had a letter pushed through my door, no knock,

i was in the property, letter said removal notice in 24 hrs and debt said £207


I immediatley telephoned the baliff,

no answer,

rang again and left voicemail to ring me straight back so i could pay the money owed


Went online to pay with the reference number and it stated i owed £442 !!!!!


Had no call of the baliff all day


Rang their office at 16.30pm,

they said because the baliff had visted the property that was the balance i owed,

i offered the £207 and she refused to take it


Five mins after the call i had a text from the baliff staying i owed the full amount


Where do i stand ?


Im fuming !!!!


Does anyone know what i can do,

will they be back with another £235 charge ???


Any help greatfuly received

Edited by slick132
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The fee is a standard charge under the regulations brought in last year. This is £235 for attending to take control of goods. The next fee is £110 to attend to remove goods. Once that has been charged no further fees can be charged unless a removal takes place.


Others will be better placed to advise what you can do regarding the issues you raise.

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It sounds like the situation was contrived so the bailiff could charge the extra fee. I would hope the OP has a screenshot showing the nil balance owed and still has the emails.


A complaint to Jacobs might be in order to ask why the payment system was unavailable and why it took 2 weeks to get back to her, and why everything else then happens very quickly which also happens to add a substantial amount to her debt.

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he did not even knock on my property, not sure how he can justify that amount, my car was in the drive, no mention of that on the letter

Edited by slick132
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I asked that question she stated they have 14 days to respond, no way am i paying this, it was set up for them charges for sure.

Edited by slick132
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Unles you have proof of that accusation, its a good idea not to state it publicly as you are saying they are committing fraud.

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


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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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A formal letter of complaint needs to be sent to Jacobs and as I see it, the amount that I would suggest is due from you is the amount requested in the hand delivered letter of £207. The company will try to argue that the amount requested was wrong but as far as I can see the bailiff himself will have to take this on the chin.


Please post back with the response.

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Why have the posts been edited?

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


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Deleted posts reinstated so they make sense, in conjunction with the replies from others.



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