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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 
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    • 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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Blemain say I owe them Money - Can I reclaim charges


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Once you have completed your spread sheet you need to take copies for your own records and just in case you have to escalate to the ombudsman. Just enclose a copy of your spread sheet with a covering letter to the company's head office asking for them to refund you.

 

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Once you have completed your spread sheet you need to take copies for your own records and just in case you have to escalate to the ombudsman. Just enclose a copy of your spread sheet with a covering letter to the company's head office asking for them to refund you.

 

Send by tracked mail.

 

I did not need to input the charges into the spreadsheet, they already sent a breakdown of charges to me in initial letter. I should send that back to them and say these charges are unlawful?

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Did they include the int each charge has cost you then?

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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codswallop

no 'penalty' charge are lawful.

 

 

sri I was a small screen earlier

 

 

you need to put each charge on its own row in the statint sheet

you are entitled to statint @ 8% on any unlawful penalty

until they settled.

 

 

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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Hello,

 

What is the stanint sheet? Is that the spreadsheet mentioned earlier?

 

Once the charges are calculated with interest, what is the process? I presume asking them for charges back as they are unlawful will not work, I presume there is a more sophisticated method?

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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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  • 2 weeks later...

attach your spread

 

 

all you need now is a covering letter

 

 

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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  • 1 month later...

Any idea on what covering letter to send?

 

If I send them a letter saying, I have been charged xx and these are unlawful, I'm pretty sure the next reply from them will be " they are not " or something to that effect

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  • 2 months later...

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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whats the diff between a secured loan and a mortgage?

 

 

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

Any idea on what covering letter to send?

 

If I send them a letter saying, I have been charged xx and these are unlawful, I'm pretty sure the next reply from them will be " they are not " or something to that effect

 

The charges only have to be unfair not unlawful, but you have to do your homework and find them (they are there)

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The charges only have to be unfair not unlawful, but you have to do your homework and find them (they are there)

 

I have a breakdown of charges in my SAR

 

A lot of charges are missed payment fee's, telephone, letter fee's etc

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I have a breakdown of charges in my SAR

 

A lot of charges are missed payment fee's, telephone, letter fee's etc

 

can you claim back the charges for interest on arrears?, what seemed odd is I was ordered to pay £50 per month off my arrears but they then added something in the region of £450+ per month in these interest charges.

 

 

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you can reclaim the arrears charges, visits, letter, phone, debt visits any fixed sum penalty fee

all at their int rate

use the CISHEET

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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Another thing they do, is charge a penalty i.e letter or phone then add it to your debt and charge you interest on it this deemed unfair and often missed, so the penalty of say £35 could easily double over a few years

 

Yes, I have all that in spreadsheet, what I'm struggling with is a covering letter to send them?

 

Surely saying these charges are unlawful etc they will just throw it in the bin, I'm sure plenty of people complain about the charges

 

Maybe I'm missing something here, what should the covering letter contain?

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mortgage section of the library

 

 

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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  • 7 months later...

I paid over £400 in arrears the other day, and they sent me a final settlement figure of circa £2.7k, which probably mostly consists of charges now

 

There was also a mention of buildings insurance, I don't remember this?

 

Any ideas? I keep dragging my feet on sending them a letter regarding charges, but I presume it's not as simple as " You charged me this, I want it back "

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