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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
      • 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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ccj and loan trying to clear


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i have debt with a few credit agencies who have taken over the original debt from

banks/credit card companies.

 

i took credit in approx 2005, but now making token payments towards them.

i know it will take years if it continues like this.

what can i offer the agencies to partially clear this debt?

is there a minimum they would accept?

how long do the agencies hold the debt for before selling it on to another firm?

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firsly you need to gather ifo

 

check all your debt SHOW on your CRa file [see below]

 

then look at firing off a few CCA request [where relevant]

to see if whom you pay is LEGALLY entitled to take money from you

 

don't forget PPI &/or PENALTY charges reclaiming too.

 

can you please list your debts

and who you currently pay to please.

 

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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Capital One- credit card - token payment

Apex- old Clydesdale current account, now Austrailia Bank - token payment

Arrow Global/Fredrickson International - EGG credit Card - token payment

DWF - Tesco loan (have CCJ against house) - token payment

 

what is CCA request?

not sure about PPI with these debts? as didn't think i would be legible for reclaiming as just paying token payments.

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you most certainly can reclaim

 

cca request

 

you indicate these debts are many years old

and many years in previous payment.

 

barring the apex one [bank accounts are not generally covered by the cca]

 

i'd send arrows/freddies a cca request

and

Capital one

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

  • 2 years later...

some of my credit history-

egg loan taken out 2005 now with nco europe which im paying token payment,

tesco loan taken out 2005, had ccj against house 2008, now shoosmith are dealing with my token payment,

 

a few questions-

 

how long does a ccj last? can it be removed?

can a reduced amount be offered to clear the debt or does it have to be the full amount?

 

 

what is the usual percentage credit agencies would accept to clear my debt?

since taking the loans out several years ago,

 

i do not have an income or benfefits(stopped a while ago), so rely on friend/family

 

any help is appreciated

thanks

Edited by 2makeit
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CCJ falls off after 6yrs paid or not

why did yo never contest the claim?

are you saying you have a charging order against your home

on this too

a CCJ is against a person not a property

 

 

why are you paying a fleecing DCA?

NCO Europe died years ago

and was amalgamated into one of the large dca groups.

 

 

who is NCO's client on their letters?

 

 

a DCA is NOT A BAILIFF

and has

NO SUCH LEGAL POWERS.

 

 

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

it was suppopsed to be a charging order against my property,

but not sure as the letter states-

"1-the judgement debt be varied to that it be payable forthwith,

2-there be no enforcement of the judgemtn save by application for a charging order without prior leave of the court"

 

can this be checked if there is anything on my name and property?

 

nco has Arrow account number who tried getting money before,

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and you knew nothing about the CCJ nor the charging order at all being taken out..

ie you'd moved and never updated your address to your creditors?

 

 

as for NCO, so arrows now own the debt

and you've simply been blindly paying them for years?

 

 

pers I'd get a CCA request off to NCO

 

 

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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old and new threads merged.

please re read from the top

 

 

so you never progressed this when here two 2yrs ago?

and advised to do the same things?

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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