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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 
      • 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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PRAC/BW PAPLOC paydayuk PDL


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Scan up the letter plz minus personal details.

 

Im not a fan of BW Legal - Rather litigious but at the same time completely defendable on this one.

Did you have any other PDLs at the time?

 

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Wheres the "will"...

Its another stupid bait letter :/

 

Of course you can start a IRL Claim against PDL Firms.

Check out our guide in my signature...

 

We could do with some help from you.

 

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  • 4 months later...
After reading the PDL reclaim guide i thought it was beneficial to mention a gambling problem to show that they have lent the money irresponsibly after not checking my bank statements and credit file.

 

Spot on - Evidence is key for you to win this one with PDUK

IF you can SAR your Bank where the loans were paid into - this could be very useful.

 

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I honestly didnt realise it was that bad... Think it might be time to push on with IRL claims?

Honestly though - Choice is yours to SAR - I would - DX says no but you must get the bank statements from the bank if possible. This will strengthen your claim significantly.

 

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For me - Any loans prior to regulation will be very difficult to get a CCJ on - They were loaded with unfair charges (Excessive)

Its up to you on this one. If you get the evidence then it should help.

 

We dont condone debt avoidance at CAG but at the same time we do enjoy helping people see the errors in DCAs ways :)

 

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Completely right - Remember the onus is on them to prove a debt - its also on them to prove they did "Rigorous" checks - Oh boy did they fail on these pre-2015

Just read all the misery that these loans caused... Even worse you were affected by it. They lent to you... Allowed you to gamble with the money.

 

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Hi Ricky

 

Slipped my mind. I think its good to send. Make sure you include all information and that it makes grammatical sense :)

We suggest drafting your own and not using the template as perse, but you can use a lot of it to draft your own :)

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Hi Ricky

 

Letter is okay to send. However as far as you are concerned they have written off the balance from ICL and have sold it to BW Legal. They may either recall the debt or give you a refund etc...

Go with it, might be slow but lets get this done :)

 

BTW the letter that was sent to you on the 7th NOV estimates costs... BW LEgal would have a clear knowledge of their costs for Legal Action - Stupid MFs.. Also the letter is very generic and doesnt state the type of account it was... Neither does it explain where a copy of the agreement can be sought from..

 

Anyway aside of all that... Get the letter sent / emailed to them and then lets see what happens with Broken Whiney Not So LEgal...

 

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Seems a little short for a CCA but just my opinion.

If making Crackpot Legal aware under PAP of a complaint. Do not tell them why you are complaining, just say you have raised a formal complaint with the OC.

Follow DXs advice on this one.

 

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Ricky - one other thing.

Ive attached something to give you some idea of the idiots you are dealing with at BW Legal

 

See how many errors you can spot in my attachment...

One glaring error makes this calculation completely incorrect...

BW Legal Stupidness.pdf

 

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They have stated that i was "Paid" £452.20 as loan capital. The interest on that amount while the same (Interest Percentage) would be different amount of interest being added every day.

Makes the whole calculation incorrect... So instead of £2.20 being added - It would be £2.xx instead / £3.xx instead.

 

They may use these documents in a claim against me in the future for this fraudulent loan... But they wont get very far.

 

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Anyway the point im making is BW Legal really a lot of the time dont know what they are doing so... Just take it from me that these companies will bully you around but stand your ground...

 

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  • 3 months later...

Sending it to the FOS will keep the file on hold - I have a case with the FOS and BW Legal - They shouldnt do court as if they try - The judge will rule partially that the firm has failed PAP -

 

PAP concludes that if the issue can be resolved by an ADR (FOS in this case) then it should be. If they take legal action while you go to ADR then they would be laughed out the court...

 

We could do with some help from you.

 

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