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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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CCJ - Credit Cards & Overdraft - Cabot


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Guys

 

I hate that site that shall not be named. Once again advice being given even after receiving a CCJ about Deed Of Assignments Blah, Blah, Blah.

 

Hello,

I wish I found this site sooner but I think maybe its too late to do anything now.

I will keep it brief in the hope someone can offer some advice.

 

I have debts of around £20,000 from 2 credit cards and a bank overdraft which I defaulted on them at the same time in 2013,

one of these debts has been handed to Cabot and has been to court ( I buried my head in the sand, foolish I know).

 

 

The outcome was a suspended attachment of earning order of £50 a month,

first payment 15th of this month and I can not find out how or who I pay it to.

Mortimer Clarke Solicitors is on some of the paperwork.

 

 

My main concern is the letters for the other debts are coming thick and fast and I have no means of being to pay them all at this rate,

I can not afford the one monthly payment of £50 as it is.

 

 

I am a single parent with 2 children and have just graduated from uni,

I have been advised that bankruptcy would be the better option as I do not own anything.

 

 

However I am concerned that I will lose my job and registration,

I am a healthcare professional and registered with a governing body.

Sorry if I have missed vital information out but my heads a mess and can not think straight.

 

Please is anyone able to advise me

 

 

However, Id like to assist them, so could you advise accordingly? It would probably help this poor soul out...

 

Thanks for spacing it out Site Team :)

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TBH if they want assistance, then I'd advise them to get off that site ASAP and move over here.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Why not?

 

Alright not in those words, maybe, but you can't really put it any other way.

 

I'd certainly not recommend advice from GOODF but there are other long established consumer advice forums where they have a proven track record of dealing with consumer debt, instead of using untried, unqualified and quite frankly dangerous advice and tactics such as those you're going to get off here.

 

Or, just have you looked at CAG and asked for advice off their?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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TBH if they want assistance, then I'd advise them to get off that site ASAP and move over here.

 

Hi,

I am getting more confused by the minute, I am unsure as to what I need to here. Should I re post my initial thread?

Thanks in advance

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No no its fine :)

 

Welcome back to CAG. I have posted it above but if you could please give us some more information, it would be appreciated.

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So we are passed the CCJ stage and they have gone for a payment order?

When was the CCJ granted & when did you receive the claim form?

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The judgement was in default as I did not reply this is dated 6 July, the suspended attachment of earnings was 15th September following me filling out a expenditure form. The order is for me to pay £50 a month the first payment is due in 3 days.

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Thank you... I see Sabresheep is here... Let us have a a look and advise...

We will help.. Just stay away from that site... It'll Get you into trouble...

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Just to add, at the weekend, the site is skeleton staff do may be a while. As for paying this the payment will probably be Cabot as they now own marlins etc...

 

But We will help I promise...

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Hi responding to reported thread.

 

I would advise you make that payment to Mortimer Clarke Solicitors on time...you state that there is a suspended Attachment of Earnings....could you expand on this and can you confirm if you have made application to vary the payment rate using form N245?

 

Regards

 

Andy

 

Thread moved to Financial Legal Issues

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Hi thanks for your reply

I filled in a form as advised by CAB this included my income and outgoings and I stated that I was concerned if an attachment of earnings was put in place I would lose my job. I will check when I get home what form it was exactly. The suspension of this attachment was on condition that I pay £50 a month, I do not have this I am already struggling financially. Sorry I am way out of my depth with all this

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If you could check.......N245 this is an option to reduce the monthly payment amount in line with your I&E...there is a fee of £50 unless you qualify for exemption.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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I have just checked and it was the N245 form I sent off to suspend the attachment of earnings order, this debt is for £9,212.48 . The major issue right now is I do not have the £50 to pay the order set, I have £2.79 in my bank payday is another 2 weeks away I am already struggling financially.

I don't know what I can do to be honest, is it worth me ringing the court?

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I would be ringing the Solicitor...not the court and just explain that payment will be late.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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