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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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Coyle White Devine UAE debt

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After returning back to the UK a few years ago, we carried on paying the balance on our credit card. We never missed any and fully intended on clearing it off.


Having asked for the balance, we realised that not only it had not gone down, in fact it had gone up after months of repayment. Apparently the bank had decided to change the interest rates without telling us.


We tried contacting the bank and were told that we had to pay a ridiculous amount. Our initial debt was around 5k and contacting the bank to get a settlement figure, thinking that after all the payments the balance would have gone down, we were told that the change in the interest rate had gone up from less than 1% a month to about 22%.


At this point, feeling angry as we couldn t resolve this and no notice had been given, I stopped the payments.


Now six years later, I have received a letter from Coyle White Devine solicitors based in the UK with a letter of claim and a cut and paste point regarding an exoress term within the contract within the NBD bank alledgedly saying I had signed a contract stating that the bank could pursue legal proceedings due to a non exclusive jurisdiction clause within the contract. They had satisfied themselves of my indebtedness, the figure quoted in the letter had skyrocketed to £70000!


Attached to the letter of claim was "without prejudice save as to costs" and that the bank is willing to negotiate to the interest level and settle close to the point of default.


21 days have been given.


No contract has been sent of the credit agreement, no original terms of business signed has been sent, no proof of assignment has been given as of yet apart from claiming to be acting on behalf of the bank. Strong impression is that the solicitor is acting like a bonafide debt collector under the umbrella of being a solicitor, stating they are securing 30-40 judgments per month for such debts.


My understanding is CWD does not mention judgment made in Dubai, and I understand the limitation period is 15 years in Dubai. No judgemnet in Dubai means i think that this needs to be dealt with under English covil law, is the alledged debt statute barred as its over six years?


Finally, there has been several court rulings in Dubai on a particular case as of last year rejecting local banks seeking high interest on CC debts and stating they have a duty to inform debtors of changes in interest rates and ruling that the debtor should only pay back the principal sum owed at the time of default.


Ps doesn't interest go against islamic shariat law?


I welcome your sensible constructive comments on this please.



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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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As suggested in the other thread dx linked to, you really need CWD to provide copies of all documents from NBD and evidence that CWD have been instructed by NBD to act on their behalf. Does not need to be a long letter. Just ask them to provide a full copy of any agreement that exists, a copy of the original terms and conditions, a copy of any revised terms/conditions applied, a copy of all statements of account and a letter from NBD confirming that they have instructed CWD to act.


In regard to the 6 years of not making payments, this might become important, so hopefully statements of account will confirm when you last made a payment. CWD do issue court claims for NBD, but do seem more reluctant to do so, if the debtor looks like they will defend any claim. Hence why it is important to send a letter requesting information.

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Just to warn you, if you're going through Dubai (or Abu Dhabi) and it's within 15 years of the last acknowledgment of the debt you could find yourself arrested (this isn't always the case but it does happen). Out of all the banks, Emirates NBD go after defaulters the most and are the most persistent judging from one of my friend's recent experience upon return to Dubai.

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