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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 claimform - my 2nd case - Fraudulant Payday UK PDL


josborn
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Watching and subbing - This is the first BW LEgal case i have seen where they have taken a ICL account to court...

This could be fun :) Im still dealing with a fraud case with them and no matter what i furnish them with - Its not good enough :(

But keep us updated - I hope they get whats coming to them...

 

Also remember - UB67 is right - Take the Actionfraud reference etc...

You will need it :)

 

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  • 1 month later...

Josborn

 

You really cannot make this up... Keep a copy of that statement - This is why ID Fraud is so rife in today's society...

You could use it if it goes that far... Will stand them up in front of a judge...

Why not fill in the fraud notice they have sent you, but dont send it back to them and keep it for the case...

They havent even filled it out properly (Its template - You can tell by the 831 /831 on it...

 

What id like to know is how they get away with being so intimidating with their wording...

This statement consisting of one page... Er no! Its over 2 pages morons.

 

I had a letter come back to me recently from these fools with this... And itll make you laugh...

Not really Eco Friendly eh?

Screenshot_1.png

 

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Ask all the staff ive had to deal with over the last few months...

 

FWIW - While not relevant to your case - IF you look at the FCA Register entry for PRAC Financial - Youll see that the contact is one of the directors.

That same director is the COO of BW LEgal... Our client that they refer to as PRAC Financial is actually the COO of BW Legal...

 

https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000o7TV7AAM

 

To the uneducated (Those who arent aware the FCA register exists) they would think they are 2 separate companies with no links...

 

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  • 2 weeks later...

Well well... Ive seen your statement they have sent. Looks like their incompetence knows no boundaries. IF you ever get the opportunity to take this to the judge then point out that their statement has issues with interest being charged double on some dates Plus their so called "Statement" is incorrectly calculated...

It would be correct if you were paid £200 - But youve been "paid" 201.60 as loan capital hence the calculation is completely incorrect (Might be out by a few pennies a day but nonetheless their statement is still invalid) They also did this to me... I dare not tell them - Dont let on its incorrect.

 

Id be inclined to ask them which police force they have reported this too if they have or have they plan to report it too...

However do you have to fill in their form... I am unsure. Might be worth waiting for one of the other team to come back here.

 

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You shouldnt be made to drop through hoops to prove this debt isnt yours.

They have to do all the legwork to prove it is yours!!!

 

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  • 3 months later...

Did you provide an actionfraud reference etc? Also do you have any other evidence to back up the info etc?

Did they provide info on the SC / ACC Number that was used for the loan?

 

We could do with some help from you.

 

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How long have they adjourned for?

When is the next date for court?

 

Did The judge give you info on the account in question? IE SC / ACC

If so - its time to get a DSAR running ASAP - If this £10 helps you defend better and stops a CCJ Then so be it...

But it needs to go to Natwest - Specifically you want info on the account in question...

 

We could do with some help from you.

 

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**Fko-Filee**

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You can only try - Its a grey area. You are entitled to see all info on you however if it isn't your account then they might not give it

Explain the situation in your letter and see what they say... If the hearing is in the next 8 weeks then should be enough time to get what you need :)

 

Dont stress if they tell you no... It could be that BW Legal are trying to chance it and if they are then good luck to them - Another loss is another smile on my face...

But by sending a DSAR to Natwest you are asking for info on you...

If they do say say no then it could be one of 2 things

 

1) Then you are okay as the account isnt in your name.

2) The letter of the judge has spooked NW and they are legally bound not to as it is now the subject of a Judge's request.

 

But point 2 may never happen. Get on it and do it.!!

 

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  • 8 months later...
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