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    • I explained in the garage what is the case and they advice me to do it only diagnostic.    
    • I'm glad to say now that you're going to have difficulty bringing a legal action against these people. You don't have a proper trading address and even if you can convince the court that you did actually serve the claim correctly, and you win the case – which is pretty well guaranteed – the difficulty will be trying to enforce the judgement. Enforcement means that they will have to agree to pay the judgement or else you will send bailiffs around and the bailiffs will oblige them to pay. At this level you are only dealing with County Court bailiffs who are pussycats and they will have the same difficulty finding the still open as you are. The cost of bringing this claim would be about £50. Assuming that they don't defend – you will get judgement but then the cost of getting county court bailiffs involved is about another £65 or so so you would be out of pocket by £115. You would get this money back – assuming that you can enforce the judgement. We are happy to advise you and we are happy to help you with this. Your chances of serving the County Court judgement on their stall is reasonable. Your chances of success is pretty well guaranteed but your chances of enforcement and getting the money for the phone and also your court costs are frankly negligible. So you might have gone to a lot of trouble and find yourself out of pocket by nearly £300 – price of the phone + cost of the action and enforcement. We don't often give negative advice here – but in this case unless you can find out more about the sellers and in particular where they live – and also their names, I think you are on a hiding to nothing
    • The things is the computer shows also in my car 18k mileage however has only 11k maybe even they was changing the clock. I attached now fully proof from MOT Centre We have done only the diagnostic on vehicle. Could you please help me to send the email to bigmotor and also finance company ?   Thank you   Audi Report.pdf
    • I suggest that we draft a letter of rejection, send it to them and to the finance company and also in addition to sending it to them, that you should return the vehicle and leave it at the dealership and give them by hand a copy of your letter of rejection and then walk away. He said anyone that you are prepared to take legal action. Maybe we should draft the letter of rejection as a letter of claim as well and make it clear to them that if they don't accept the rejection and if they don't refund you within 14 days that you will begin a legal action without any further notice. Are you prepared to do this? It's not a bluff.
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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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Citroen Contract Motoring Finance - registered default incorrectly ? (Possibly)

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Not been back on this website for a good couple of years (which is obviously a good thing) but recently encountered an issue which has\will threaten to undo all the good work of getting all blemishes issue's of my Credit history... I have a perfect credit score for the past 4-5 years till today.


I had a lease car for 3 years (Banque PSA Finance), no payments missed including the last payment, when the car was returned that there was excess mileage and damage to an alloy....for which they then forwarded me an invoiced ..which I assumed could not be added onto the end Agreement and treated like it was an additional Payment.


I sent two letters asking to set up an Payment plan (one on the 22/02/16 and one 18/04/16) to which I have had no response


After finding that my next account has been suspended due to a change in Credit Circumstances, I logged on to find that on March this year they have registered the account as being defaulted (see image)


My issue with this is that my contract was for 35 months from 28/08/12 which means the last payment is on the 27 July 2015 which was paid and from my point of the contract was completed and the Invoice for Damage\mileage they have added onto the account and then saying I have defaulted which I believe should be separate ? therefore negating the Default on my Account ?


I know previously with help from this forum I have involved the ICO aa few times that have found in my favor and was wondering if it would be worth contacting them again


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why do you keep uploading..

1. documents that are already in post 1

2. keep leaving your name on them?



the docs are already done in post 1.

we no longer need them again




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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no click it

its a multipage pdf

which is what we wanted you to do by following the upload

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

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