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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
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Paid £28k next steps


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god just stop paying everything.

 

£1k PCM since 2007!! you do realise how much money that is!

 

mugged blind cash cow...

 

paying a debt off does not remove it from your file..

 

 

 

 

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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throw the morality card out the window......

 

the AP markers don't go away for 12yrs and kill credit just as bad as a default

but atleast being defaulted makes the A/C vanish from your file in it's 6th Birthday.

paid or not, paying or not.

 

so even if you default on new stuff now, it can't harm you much more than the dreaded AP markers.

 

now 

please list all the debts you are blindly paying and running the SB date to infinity..

 

original Creditor

credit type

when taken out

how much taken out

outstanding balance

who owns the debt now

who you pay now

how much you pay.

defaulted date from credit file summary.

 

 

you do realise a DCA is NOT A BAILIFF

and have 

ZERO legal powers on ANY DEBT.

 

why do you think the original creditors sold the debt for 10p=£1??

and not crush you themselves in court?

 

are PP ware of your current correct address so thus all that got paid through were also aware?

 

 

 

 

 

 

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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PP - payplan

SB - statute barred.

 

you said you started with PP in 2007 with £48k debt

was that a typo

and should be 2017??

 

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... 

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Share on other sites

ok that makes all the difference then...

 

can we resit things then please:

 

for each debt:

all the below please

 

original Creditor

credit type

when taken out

how much taken out

outstanding balance

who owns the debt now

who you pay now

how much you pay.

defaulted date from credit file summary.

 

 

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

All credit cards

AP marked

sainsburys £2800 AP

virgin £900 AP

PRA group (MBNA) £1500 AP

PRA group (MBNA) £1600 AP

 

Link managed by Wescot (Halifax loan) 8k paying £4.19 a month defaulted early 2018

Intrum (Tesco) 4.5k paying £2.54 a month defaulted early 2018

 

..

so sainsbury card and virgin (mbna?) card are still owned by the original creditors and you are paying the OC?

 

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... 

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Share on other sites

read my questions properly please answer what i am asking not what you think it means..

 

so you have a third MBNA card that you still pay virgin directly

and the same goes for the sainsbury card..you pay them directly still?

 

in otherwords, these 2 cards have not been sold to a debt buyer like link or PRA?

 

 

 

 

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

your virgin card is with mbna too.

hence why they say lloyds

as lloyds recently purchased mbna.

 

send MBNA an SAR

send Tesco an SAR.

send tesco an SAR.

send HBOS (Halifax) an sar

 

unless on the above you already have every statement for every month for every card.(5 cards 3 with MBNA as Oc)

 

send PRA 2 CCA requests one for each MBNA card debt they bought

send Link a CCA request for the Halifax loan they bought

send Intrum a CCA request for the tesco card debt they bought.

 

should any fail the 12+2 working days time limit ...you stop paying the DCA

 

sadly these AP markers and MBNA are a devil to resolve (many threads here on MBNA AP markers use our search

 

you 1st port of call is the SAR's and the CCA requests.  get those off monday.

 

pers i'd be using our prorata letters to virgin+sainsbury as these have not been sold on, offering <£10PCM

 

 

 

 

 

 

  • Thanks 1

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

1 minute ago, Halfwaythere said:

what is a SAR, <<click SAR.

 

also why should I reduce my payments to my original creditors when I can pay them off by end of the year? - debt already defaulted, can't hurt your rating anymore...paying it off quicker does NOT remove the default nor reduce your score)

 

how come virgin could have my account as a payment plan for 5 years (part of MBNA or Lloyd’s) but MBNA PRA group can’t ? 

 

 

because the old MBNA cards are under diff T&C's and dodgy agreements that can't be enforced (hence the 2 CCA requests to PRA), and probably artificially inflated by heeps of reclaimable £12 penalty charges ....

 

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

1 hour ago, Halfwaythere said:

Right this is really helpful but my lack of knowledge is hindering this process but I am trying to learn from your help (which is much appreciated)

 

please can you tell me the reasoning behind this process, how it will improve my situation ?...

i suggest you start reading a few threads here:

https://www.consumeractiongroup.co.uk/forum/124-debt-management-and-debt-self-help/

 

also Sainsbury’s and virgin I have monthly statements from.....good. no need for SAR then yet.

 

why am I reducing the amount for Sainsbury’s ? - because it makes no odds how much your pay them

it's defaulted, they can't harm your file/score further..

 

Many thanks 

 

Also none of these credit card accounts are defaulted other than my two largest link/westcot (Halifax loan) and Intrum (Tesco)

 

ignore wetcloths deal with link.

 

well it would be nice if they were defaulted

a serious complaint to each original creditor might sort that

but you need the SAR details (comms log of each )

 

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

you wont be paying anything off to anyone if they don't hold enforceable agreements.

 

you say the only defaults accounts are wetcloths and links...is this not the same debt..wetcloths clients are link, and link shows as the owner on your crecit file?

 

 

 

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

send MBNA an SAR

send tesco an SAR.

send HBOS (Halifax) an sar

 

unless on the above you already have every statement for every month for every card.(5 cards 3 with MBNA as Oc)

 

send PRA 2 CCA requests one for each MBNA card debt they bought

send Link a CCA request for the Halifax loan they bought

send Intrum a CCA request for the tesco card debt they bought.

 

as for sainsbury and virgin - continue your payments for now - we'll deal with them later.

 

you say the halifax loan is secured? is it now showing on your deeds as secured in LInk's name not still halifax?

  • Thanks 1

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

check your DEEDS regarding the secured loan.

 

when an OC sells a debt on, the debt buyers name replaces that of the OC on your credit file.

 

 

 

 

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

you don't need the original agreement

you stated this was a secured halifax loan?

so there was a charge made on your property?

and do you still live in the same proprty?

 

dx

 

  • Confused 1

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 makes things clearer

 

if you have no assets then you could do a DRO and all debts would be wiped in 12mts.

costs £90 i think

 

 

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

yes dro wipes the debts

the defaults you have registered will show for 6yrs BUT the balance will be £0.

even prime lenders shouldn't be bothered about that.

 

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

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

ok stick with my last advice then.

lets get these debt gone for you

you've been blindly paying far too long on some of them.

 

dx

 

  • Thanks 1

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

link+PRA...

you wont have to pay a penny more if the CCA requests are unenforceable.

they cant hurt your file anymore if they are both shown as defaulted...or are you again using the wrong word....you mean defaulted on payments to the OC so the debts got sold on to Link + PRA?

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

so the 2 PRA MBNA card debts have the dreaded AP markers on each.....

 

what is the defaulted dates on the Link old Halifax Loan debt ?

what is the defaulted date on the Intrum old tesco credit card debt

 

please

 

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

just to be clear

only the Original Creditors can default the debts.... on or before sale

not the debt buyer...they have zero authority to register anything!!

 

why are these only 2018 defaults?
when did you start your reduced payment scheme whereby Halifax and tescos only got reduced amounts?
 

 

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

this month what?
read my Q's carefully.....

 

you said in post 1 you started reduced payment through stepchange? when?

 

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

you didn't need to waste money on recorded if you read all the posts in the CCA request link....

 

as for the end date...

i suspect arrows didn't put that, it would have been the original creditor before sale, noting the reduced payment schedule end date from when you agreed to the scheme wit them in the 1st place.

 

but ofcourse if 12+2 working days expires without reply to any of your CCA requests, you won't be paying that DCA anything anyway till they  responds with whatever toilet paper they reply with and it's checked by us first as to enforceability.

 

as for mortgages, it is rare now that prime lenders refuse for one or two defaults esp if they are historic debts sold to DCA's.

just remember, they only see the summary line of any debt, not the calendar section and if that does show anything bad, it can't hurt your application.

 

lots of like threads to your here to read...

 

 

 

 

 

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

you cant as such but they cant see the calendar section which shows the monthly bits. etc

just a the basic summary 

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

Link those threads here so i can read them please

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

Pers i wouldn't pay too much attention to mse posts..

they are always posted with dark meanings mostly by so called industry knowalls

 

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

god no far from it.

 

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

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