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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

31 overwhelmed with debt and scared


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Do you own or rent your home ?

 

Andy

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Have you never heard of  Debt Relief Order Halpert ?

 

Could be a quicker way to resolve your issues....yes the advice above would resolve your situation eventually but its a very slow process.

 

https://www.gov.uk/options-for-paying-off-your-debts/debt-relief-orders

 

Andy

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2 minutes ago, Halpert87 said:

 

I have heard of DRO but I wasn't sure of what the difference was between that and an IVA. I also wasn't sure how it would restrict me financially in the future...

 

 

 

Read the link...completely different to IVAs...12 months and you have  a clean slate...thats why I asked earlier if you owned your own home..as you dont you would most certainly qualify 

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There are many advantages to entering a DRO, there are also various disadvantages – each of which must be carefully considered before making your decision. Perhaps the biggest hurdle preventing people from entering a DRO is the fact that homeowners are ineligible to apply. Therefore, if you own your own home, you cannot apply for a DRO.

 

This financial restriction goes further, with only those with very low assets able to apply for a DRO. Furthermore, applicants must have less than £50 per month in disposable income to be considered. Such restrictions also apply to the amount of debt a person must have, with a DRO only granted if your total debt is less than £20,000. Another disadvantage to a DRO is that they are only available to people living in England, Wales and Northern Ireland. Residents of Scotland are not eligible for DROs and should seek advice on what similar Debt Relief Plans are offered in Scotland.

 

Another thing to consider is that the cons of a DRO do not stop once it has ended. Whilst most DRO’s end after 1-year and allow you to then become debt free, your credit rating will be affected for a total of six-years. This means that during these six-years you will find it extremely difficult to get loans and other related financial products. There are other problems with Debt Relief Orders, one being that they only cover specific debts – this means that even if you enter a DRO, some of your debts may not be covered, therefore meaning that you will remain responsible for honouring payments for these debts.

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I'm not sure to some of the above...certainly your credit file will be clean after 6 years.The rest you would have to take up with whoever deals with your DRO.

 

DRO is a small quick Bankruptcy process ...unlike an IVA which is completely different

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DROs only last for 12 months ...he needs to check with his advisor

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  • dx100uk changed the title to 31 overwhelmed with debt and scared
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If you have a vehicle on a HP or conditional-sale agreement and it is worth more than £1,000, payments would not be an allowable expense in your DRO. Therefore, you would have to include the debt in your application unless a third party is willing to take over the agreement for you.

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We could do with some help from you.

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If the debts are in your name alone...no reason to mention a boyfriend unless its obvious your out goings do not match your income ? 

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You could...if your inflating the income..inflate the total debts.....I doubt it will make any difference in the long run or whether they will even read it.......thats why Im not an advocate of using this system...what ever you offer what ever you request will be rejected...and they will default you.....but they will have all your personal information by that stage.

 

DRO or CCA request...stop payment with no response is the only way forward.

 

IMHO.

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Ive yet to see it happen yet in my 13 years on this forum...even if hey did agree to freeze the interest...you have breached the agreement and will get a default marker/ notice .

 

Then they will assign it to a debt collector...debt collector will ignore any payment plan you had with the OC and hound and harrass you forever...some will even litigate and issue a Court Claim.

 

So before that happens why not request copies of the agreements per debt see who can comply and not and get in front and find out what is and not enforceable and likely to be litigated on.

 

Your in debt your in trouble..this will only get worse before it gets better....unless you land a windfall on the lottery.Creditors are not in the business of assisting debtors with debts they owe to them...your simply prolonging the process by trying to appeal to their better nature....or lack of it.

 

Just my opinion but you must do what you feel comfortable with .


Andy

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Agreements yes...section 77 for loans and section 78 for credit cards and section 79 for Hire Purchase

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:becky: I wouldnt...you cant request agreements over the phone...read here....1 per agreement

 

 

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Quote

and unable to get any credit to get me out of my hole

 

 

Seriously...isn't that why you are in the position you are now?...and you want more credit ? 

We could do with some help from you.

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