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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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StepChange DMP +10yrs - Help please


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why do you think this broker believes I wont get better than 4.8%? I would ask him but he wont pick up.

 

Any thoughts on a decent broker that can help?

 

As of last month I dont have a DMP. Before that I had been paying from my savings so its not on my bank account for 3/4 months and credit file is clear.

 

Assume the problem is that the lender will ask if I have ever had any credit issues perhaps?

 

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Agreed, plenty of other factors could be at play here. Remind me. What’s actually still showing on your credit file?

We could do with some help from you.

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Ok, so the defaults have all gone? And there are no CCJ’s? Is that correct .

 

My credit file is also excellent, very low % of debts etc yet I can’t get a car lease, I’m also at 4.8%.
 

yours sounds better than mine. I think you need to find a better broker.

 

 

We could do with some help from you.

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I’d love to help but as the site team I can’t make recommendations I’m afraid.


Perhaps try Googling adverse credit mortgage brokers. Get it down to 2 or 3 and see what they can do for you.

 

 

We could do with some help from you.

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sad fact is people often open their mouths when they do not ever need too.

what is not on your credit file can't harm you.

what your past financial dealing were and with whom are NOTHING to do with any broker nor lender.

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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none of their ruddy business! whomever 'they' are.......

just like a powerless DCA , out to extort more money out of you.

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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why is it lying, legally they are all expired, end off.

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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Its an interesting point you are making.

 

If a lender has a question on an app form "Have you EVER experienced credit issues" I find it hard to find any other answer than yes? Now, I know the law is not as straight forward as that.......

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1 hour ago, dx100uk said:

none of their ruddy business!

 

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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If there is nothing on your credit file. There is no way anybody can find out. It’s as simple as that.

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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I am sorry, I am having real trouble in understanding why you think someone lending you £350,000 has no right to know if you are more/less likely to repay the money lent?

 

Mortgage fraud is very real and is criminal I believe, in cases, attracting custodial sentences.

 

I highlight this for anyone reading this and seeking advise.

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6 minutes ago, London1971 said:

If there is nothing on your credit file. There is no way anybody can find out. It’s as simple as that.

 

so, if you burn the body then there is no trace - along comes DNA 20 years later

 

I am not saying you are wrong just finding it hard to understanding 

Edited by players4you
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Look at a Credit file default as a punishment, after 6 years you've served your time and it's over. 

 

In fact even if you had a couple of defaults 3 years ago on your file, it still wouldn't be a problem. Which is why there is something else at play here. 

As for the differences between brokers, when I went for my mortgage I had 2 different one's trying to get me the same product. One rang me back apologising , telling me that I wasn't eligible, the other one got me the mortgage.

 

 

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Perhaps, but it doesn’t make any sense with the amount of deposit that you have and your income. What percentage deposit will you be putting down for the mortgage?

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Ok you really need to find a new broker. They should be paying you interest with an LTV like that!!!

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 OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • 2 weeks later...

So an update for you all.

 

Having spoken to around 10 brokers and 2 high streets they all say the debts need to be paid off. Of course, I know theres the question how will they know but lets leave that aside for one moment......

 

I have negotiated very small F&F's with some but PRA are offering virtually nothing off ( 2500 o/s down to 2400) even though all 3 accounts are unenforceable and I am currently paying £1 per month and all are past the default + 6 years date.

 

I am really struggling to understand the business logic in this

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if they are unenforceable you stop paying..don't get mugged.

 

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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