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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
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    • 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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Does everyone have difficulty remembering online passwords ? What do you do to make life easier ?

 

I don't use the same password for different accounts or write them down, for security reasons. But this means that occasionally I forget a password and have to go through security password reset process.

 

Surely there is secure system for people that have difficulty remembering passwords ?

 

When you have even the best IT systems hacked e.g US military and government, it does make you think about online security.

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Yes !!

 

I find online passwords quite depressing. I used to rely on the computer remembering the password for me until it had a breakdown and I lost them all. Not just the passwords themselves, but with say the likes of Google who also want to know other things should you forget your password.. I couldn't remember what security questions I had chosen and Google simply wouldn't let me access my account until I did. It was sheer fluke that I managed to sort that one out.

 

I know some of them want your mobile numbers as well so they can reset your passwords that way. Yahoo is driving me mad, I do NOT want to change my password with them, nor do I want to provide them with my mobile number. So each time I log in now, I have to skip through no end of pages before I can sign in.

 

So yes, I do now write them down, I just hope I don't forget where I have hidden the list!!

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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That is what I will have to do, write them down in a secure format with some missing digits. I generally use a theme for passwords, but the problem is when they want a mixture of capitals, lower case, numbers and even symbols.

 

I have to go the Bank today due to some online security related issue, which may be that I am using another device. Some Banks don't like you using a different computer or device. The detect it as a possible security breach.

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Take a look at the excellent open source program "keepass". You can store all your passwords in a secure database, and then you only need to remember the one password to open it.

There are 2 kinds of people in the world; Those who can extrapolate from incomplete data

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Take a look at the excellent open source program "keepass". You can store all your passwords in a secure database, and then you only need to remember the one password to open it.

 

And you trust this program ? There are many Trojans hidden in software that are not detected by Internet security.

 

I did have a look at this and decided against, as having all your passwords in one place appeared risky.

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Having been through the source code, and having built it from scratch, yes I do.

 

Interestingly the closed source, "premium available" LastPass has just had to ask it's users to change their passwords after admitting it had been hacked.

There are 2 kinds of people in the world; Those who can extrapolate from incomplete data

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Having been through the source code, and having built it from scratch, yes I do.

 

Interestingly the closed source, "premium available" LastPass has just had to ask it's users to change their passwords after admitting it had been hacked.

 

I don't have the knowledge or confidence to use such software . I have worked with IT experts and they always said to be cautious in trusting some software.

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Couldn't agree more. There are entirely too many dodgy programs out there and as always you should never install software from an untrusted source.

 

I completely understand that obviously you have no gauge of my skills or knowledge but for what it's worth I have been in IT for many (nearly 30) years as a professional, and I do not make recommendations lightly.

There are 2 kinds of people in the world; Those who can extrapolate from incomplete data

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You can store all your passwords in a secure database, and then you only need to remember the one password to open it.

 

There is rumour that some banks will reject claims for fraudulent online activity if you use a password wallet.

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No... you can't eat my brain just yet. I need it a little while longer.

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One series of letters and numbers I find very easy to remember are my motor cycle registration plates. I'm sure most on here know their motor vehicle plate numbers. I use mine as passwords and to make them longer I use symbols in front and at the end (tilda, exclamation marks, questions marks and the like). But I use a plate number from a bike I had a few years ago simply because it was a memorable plate number on a bike I purchased in Northern Ireland.

 

Similarly you could use your National Insurance number the same way. As both are alpha numeric both are difficult to crack if used as the base for passwords.

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Reverse the NINO, and add symbols at beginning and end, so say XX224433A, becomes *@A|334433XX#

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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