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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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Clearing my DMP with Full & Final Settlement


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Hello CAG,

 

Firstly can I say thank you to you all for your time and effort put into this site,

if it wasn’t for yourselves I personally wouldn’t of been able to reclaim just under £3k for myself

or of helped at least 20 of my friends all reclaiming tens of thousands back in unlawful Bank charges.

So a massive thank you from myself, family & my friends.

 

Now I find myself in a slightly more technical and difficult situation & in need of direct help.

 

Before the last recession I was self-employed, earning very good money.

I bought a property to do up, utilising the interest free cards that were being thrown at myself.

And then came the recession and boom......sod all work and on the dole!

 

 

I contacted the CCCS in Sept 2009 who did there magic resulting in myself using one of your template letters

& sending to my creditors, advising of my debt management plan & offering £1 pcm as a token payment

with all interest charges to be suspended.

All agreed and have been making the £1 payments to date.

 

My current situation is.

 

A&L - sold to CAPQUEST - £8300 owed - £2900 settlement offered to myself in 2010

M&S - £1300 owed - £400 settlement offered to myself in 2010

RBS - Letters from Robinson Way - £3200 owed - No settlement offered.

Bank of Scott - sold to CABOT - £4900 owed - £2700 settlement offered to myself in 2010

Barkley Card..Letters from CABOT - £7100 owed - £2800 settlement offered to myself in 2010

EGG - £1300 owed - £400 settlement offered to myself in 2010

 

Now with me nothing is simple.

 

EGG, I have heard nothing from them in the last few years & on a recent check with Experian nothing is shown.

I therefore cancelled my £1 pcm payment on Aug 2015. As of yet have not received anything from them.

 

Barkley Card,

Now as stated back in 2010 I was contacted by a very understanding and helpful account manager

offering the £2800 settlement figure. Due to my situation though I had to pass on this offer.

 

 

Now back in 2011 & 2015 I did an Experian check and the balance shown on both reports is £2800.

Though the letters from CABOT show the original £7100 figure!

 

Now my business is starting to slowly pick up again

I would like to clear my credit file and improve my chances of getting another mortgage.

I am in no means capable at the minute of paying out £12k.

Seeing as all these offers were made 6 years ago should I negotiate a better deal for myself?

 

Any help would be hugely appreciated, thank you in advance.

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the defaulted dates are the key here

 

 

when the default reaches 6yrs the whole account vanishes

so they wont affect your rating after those dates.

 

 

paying a defaulted debt or a debt that is no longer showing , does not improve you rating ..

 

 

poss time to send each a CCA request?

esp if you are blindly paying a DCA and the accounts are pre apr 2007.

 

 

looked for PPI too?

 

 

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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Thank you for your quick reply.

 

when the default reaches 6yrs the whole account vanishes so they wont affect your rating after those dates.

 

So what your saying is after 6 years from the default date the whole debt is written off and should be removed from my Credit Report ?

All the above debts were defaulted before 2010 looking at my Credit Report.

 

poss time to send each a CCA Request esp if you are blindly paying a DCA and the accounts are pre apr 2007.

 

What would the CCA request show to help me? And what is the outcome if the debts were pre 2007?

 

Looked for PPI too?

 

I never took out PPI for any of these cards.

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no I did not say the debt is written off.

the account is removed from the CRA files..

 

 

here is what the ICO say:

 

 

All references to a defaulted debt must be removed from your credit files after 6 years

has passed from date of default, whether paid off or not.

.

{the WHOLE ACCOUNT WILL VANISH, never to return}.

.

{however, this does not mean the debt itself is not still owed

consider a CCA request.}

.

This is so that someone who continues paying something

- even after 6 years from default

- should not be at a disadvantage to someone who pays nothing after default

and ends up with a clean file after 6 years.

.

NOTE: {the bracketed text is not ICO guideline but my advise]

 

 

...............

 

 

if whom you are paying has no signed agreement

then why are you paying them blindly........

 

 

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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CCA request the sooner the better!!

 

 

no enforceable agreement = no pay the fleecers!!

 

 

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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score should be ok

is it not?

 

 

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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14 working days...

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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