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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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Long time with Eurodebt...


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Wait say a week and then send them a chaser complaint if not received.

You can escalate a complaint to the ICO, if an SAR is outstanding for more than 2 months.

We could do with some help from you.

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Ok will do..

 

Incidentally I opened a noodle account today to check what records are available and it seems only one of the Debts held that Moneysave were 'looking after' is listed, any idea why this is?

 

Many thanks.

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Debts are removed when defaults reach their 6th birthday

When did 40 days expire?

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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they purchased the debt they become the creditor in all but the physical sense

 

you need to get reading up

 

give the sar atleast another week.

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

same lot

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

Good morning,

 

SAR returns from MBNA on Saturday, two accounts that appear to have been lumped together, both show over limit balances on 22/12/2003 and 10/01/2004 which coincides with when I turned to Eurodebt/Moneysave.

 

One has 'charge off adjustment' dated 30/06/04 followed by 'Zero CURBL on sold account' dated 07/07/04, the other has 'charge off adjustment' followed by 'Zero CURBL on sold account' dated 03/08/04.

 

Still no reply to the SAR from Moneysave, the 40 days were up on 21st October, so I shall send a reminder today..

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Good morning,

 

The paperwork from Moneysave turned up yesterday, its quite a lump!

 

I've been going through it and there are some FF's which I wasn't aware of.

 

As I remember I paid off two small amounts directly several years ago now, (Probably should't have but what's done is done).

 

One I think was Monument, the other was on being taken to court by Bryan Carter, it went to an arbitration type procedure and I agreed to pay a reduced sum.

 

However there are four on the paperwork that I don't recall hearing about,

I'm currently trying to cross reference with the correspondence they have sent me,

they all have the same reference/account number

whether it is a proposal and the proposal was just acknowledged i have no idea..

 

01/03/2009 mail received F&F proposed by creditor, Abbey/Equidebt balance £2480.73, offer £1240.36. Full and Final accepted 01/03/2009 (according to the time it all took 12 seconds!)

 

14/11/2011 mail received F&F proposed by creditor, Santander/Equidebt balance £2188.25, offer £656.48. Full and Final accepted 14/11/2011

 

26/01/2012 mail received F&F proposed by creditor, Santander/Equidebt balance £2169.97, offer £325.50. Full and Final accepted 26/01/2012

 

15/05/2012 mail received F&F proposed by creditor, Santander/Equidebt balance £2142.55, offer £535.64. Fulland Final accepted 15/05/2012

 

lastly I have a copy of the original credit agreement for Black Horse, it was a credit agreement taken out for a motorcycle in the early 00's and it is neither signed or dated by me or on behalf of black horse...

 

I'll keep sifting through, is there anything specific I should be looking for?

 

Many thanks..

 

In addition to the above on the 17th March 2017 five creditors were removed as they had been on hold since 2007 they were:

 

CapitolOne x 2

MBNA x 2

Monument x 1

 

and as a gesture of goodwill they reduced their monthly management fee from £47.75 to £36.00, which was nice...

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Good morning,

 

Having been through the paperwork the copies of any correspondence stops in November 2006.

 

I have a copy of their diary which lists all phone calls and correspondence from creditors and myself to October this year

 

I have no physical copies of any of it from 06/11/2006,

most notably anything to do with full and final offers.

I'm guessing a letter sent asking for copies from November 6th onwards?

 

In relation to the full and finals in each case there is an invoice fee attached in order of the above £62.02, £76.59, £92.22 and £90.35.

 

I far as I recall I've never been made aware of these and definitely not any extra fees.

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so time to look at their T&C's for the time if you have them?

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

Good morning,

 

no T&C's I'm afraid, all I can find is a 'further information' sheet which i've attached, I don't think there is anything relevant on it.

 

A further look through last night seems to confirm that the correspondence I have are those letters that were sent to me and then forwarded to them, these stopped around mid 2006, from that point creditors have corresponded direct to them, they have listed in their diary 'mail received', 'mail received from creditor' etc. But i have no copies of any of this correspondence this also includes the F&F offers and acceptances.

 

Does this warrant a further enquiry for T&C's, plus the remaining correspondence and more importantly the F&F's?

 

Many thanks.

Edebt further info.pdf

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I would really be pushing for info like T&C's of where they state and you were told they could charge all these 'fees' they have for the work they have supposedly done.

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... 

Link to post
Share on other sites

Phone message left last night regarding letter they received asking for original T&C's plus further documents form November 2006 that were not present,

 

have been asked to ring back,

 

I would rather a paper trail be left rather than phone communications.

 

Is it worth ringing back and minuting the phone call?

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urm somethings going on then..

probably trying to wriggle out of having to supply them re all these naughty extra fees.

 

can you record a call?

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

Good afternoon,

 

No, I haven't the means to record a call I'm afraid.

 

On the paperwork I have been sent they have given a description of each phone call between themselves and me, time, date and brief explanation of the content of that call

 

I'm thinking if they ring again, I'll answer, minute that call and then send a letter with the minuted phone conversation and asking once again to provide details,

its a bit of a pain but I don't mind keeping the pressure on if they're trying to hide something or not provide it..

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oh I can guarantee they are trying to hide the fact there are NO T&C's that state any of those supplementary charges

pers I wouldn't be tipping them of either.

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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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