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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
        • Like

Unknown Link Backdoor CCJ - first national debt


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Hi and Welcome to CAG

 

So what was your complaint ?

 

History of this debt ?

 

 

Andy

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First National got the CCJ or the debt collector ?

 

Thread moved to Financial Legal Issues in view of the judgment.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Thanks so when did the debt collector get its hands on it and when did you start paying them ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Sniff sniff cash cowing link again

They always claim they can charge int when they see a ccj!!!

 

It would be an interesting exercise to see if northants bulk has a copy of the ccj and the claumform. Why not try ringing them tomorrow

 

Thats over £7800 you've paid our biggest fleecer

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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Well ideally you need a copy of the original claim form to see the particulars and also a Notice of Judgment this will state the judgment amount to be paid.If there was any interest to be added first national would have included in the initial claim...a Debt collector cant add anything.

 

You pay what the judgment notice states...not a penny more.

 

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Ive tried to get a copy of the ccj but ive had no joy it had come off my credit file and I was trying to get a new mortgage

 

I just kept paying the ten pound to keep it sweet.I

I was worried about them trying for a charging order.

I reckon ive paid about 500 over the original judgement

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Have you ever rung northants bulk and asked?

Do you still have record of the claim number??

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

yes as i was worried about defaulting on a ccj i kept making the payments the amount left on the ccj was 1092 they added 1739 august 2004 then added further interest 2009-2011.

yes i rang and they could find no record of it

Edited by meltonmag
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You say: "yes as i was worried about defaulting on a ccj i kept making the payments"

Is this since 2011? ...or since before?

 

You say: "the amount left on the ccj was 1092"

What year was this?

 

You say: "they added 1739 august 2004 then added further interest 2009-2011"

Who are "they"? How do you know they added this interest - do you have documents for it?

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i asked link financial for a list of transactions that have been credited and debited to the account. They have sent me a print out the letter above is from them when i complained about the interest.

 

2004 1092

may 2018 1822

Edited by meltonmag
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Fleeced blind

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

THE OFFICE of Fair Trading will make legal history this week when it starts a High Court action against a subsidiary of Abbey National over its interest charges on hire purchase agreements.

 

The OFT is suing First National Bank, which was acquired by Abbey National four years ago, over a "standard contractual term" the firm uses in HP agreements used by customers to buy consumer items such as washing machines and fridges.

 

The OFT wants the bank to change a clause which allows it to keep charging interest to customers who have already gone to court to show they cannot keep up payments. Use of the clause can mean debts continue to grow even after a court has judged them to be unaffordable.

 

It is the first time the OFT has gone to court under legislation introduced in 1995 to enable the regulator to negotiate with companies over consumer contracts that it regards as unfair.

 

First National has refused the OFT's request to change its particular contract terms, and is determined to fight the OFT in court.

 

A spokeswoman for the OFT said on Friday: "This is the first time we have ever gone to court on this legislation. This is a big deal for us."

 

The legislation concerned is the Unfair Terms in Consumer Contracts Re

 

 

 

 

 

this was what concerned me

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i asked link financial for a list of transactions that have been credited and debited to the account. They have sent me a print out the letter above is from them when i complained about the interest.

 

2004 1092

may 2018 1822

 

That letter they sent you doesn't mention "CCJ". Did they actually sue you for the debt?

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Lets see all your and their complaint letters

One mulipage pdf

Read upload

I bet they didn't send any annual statements so couldnt charge int under fca/fsa rules anyway!!!

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

They have sent annual statement they have not added interest since 2011.

I have just let it lie since 2011 as I knew the judgement had not been paid off the complaint was through resolver and the letter above was their reply

 

I just asked why interest had been applied to the account

I have not mentioned the ccj .

 

I have now requested all data that they have regarding the account hoping that they might provide me with a copy.

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