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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 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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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Mother been Paying DCA's through Stepchange £400pcm for +8yrs - still £9k to pay - Best way to make F&F offers?


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Hey @dx100uk - what do you think about the above? Is it still worth trying even though it's not strictly true or is better to go with something a bit more moderate (Illness, coupled with a loss of overtime due to the COVID-19 pandemic, has lead to a severe drop in household income. I am 62 this year and coming close to retirement age. )

 

 

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On 05/07/2021 at 19:18, dx100uk said:

it is very unlikely a return to any financially meaningful employment of any kind will ever happen we are both in our 60's

in otherwords, the current employment, never did and does not, put them in a position whereby improved income will result by changing jobs.

it's the cards they have had for xxx years and will continue to only play with.

 

the fact is that to date, objectively, all they have done for xxx period is just held their head above the water, it is time to take control of the limited income and create a better life overall, rather than servicing debts at a level that is unnecessarily being restrictive. 

  • 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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Understood. I'll send the following to Link and Cap1 and let's see what the reply is.

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

Further to my recent letter, I am experiencing extreme financial hardship. As such, I'd be extremely grateful if you would consider writing off the outstanding debt owing. I have always taken very seriously my financial responsibilities, but unfortunately my circumstances are so bad that I cannot realistically maintain payments of any kind.

 

Please take the following special information into account when making your decision.

 

Illness, coupled with a loss of overtime due to the COVID-19 pandemic, has lead to a severe drop in household income. I am 62 this year and coming close to retirement age. The illness is not short term and most sadly will not improve as time progresses, it is very unlikely a return to any financially meaningful employment of any kind will ever happen 

 

As you can see, my situation is very unlikely to improve in the future, and my continued high debt level may have a serious effect on my physical and mental wellbeing. I would therefore be grateful if you would seriously consider this request for the debt to be written off.

 

I would appreciate any help you can offer me right now.

 

Yours faithfully,

 
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both debts have been subject to the DMP thru stepchange for 8yrs..it this statement true?

 

  • 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

Yes, that is true.

 

Cap1 went from owing just under £10,000 in 2013 to roughly £2,400 today

The Link debt (originally MBNA) went from owing £4,500 and £5,000 in 2013 to roughly £1,100 and £1,200 today.

 

 

Edited by techno20
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offer them each £250 or it's £1PCM till you die.

 

On 13/07/2021 at 08:11, techno20 said:

owing. ****I have

 

as you can see from my last 8yrs of payments through the stepchange system 

  • 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

Thanks DX. Is that instead of the letter in post #78 asking them to write off the debt or as a follow up letter if they reject it?

 

My plan is to send this either now or after sending the letter in post 78:

 

Dear Sir / Madam,

 

Account number: XXXX

 

I am getting advice on dealing with my financial situation and choosing the right debt solution for me. I am writing about the money which you are claiming on the above account.
 
I have always taken very seriously my financial responsibilities, as you can see from my last 8 years of payments through the StepChange system, but unfortunately my circumstances are so bad that I cannot realistically maintain payments of any kind. Our income has been significantly impacted by illness, coupled with a loss of overtime due to the COVID-19 pandemic. I am 62 this year and coming close to retirement age. The illness is not short term and most sadly will not improve as time progresses, it is very unlikely a return to any financially meaningful employment of any kind will ever happen 
 
However,  I can raise £250 and I want to offer this as full and final settlement of the account. This money has been offered by a family member as a one time offer to help me clear my debts.
 

I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability.

 

This offer is valid for 14 working days.

 

Please give me details of how I can pay.
 
I look forward to hearing from you.
 
Yours faithfully

 

 

 

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that will do.

 

 

  • 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

Surely logic dictates it might be better to try and get it written off 1st

  • 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

Thanks DX. Will send the following to Link & Cap1 today:

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

Further to my recent letter, I am experiencing extreme financial hardship. As such, I'd be extremely grateful if you would consider writing off the outstanding debt owing. I have always taken very seriously my financial responsibilities, as you can see from my last 8 years of payments through the StepChange system, but unfortunately my circumstances are so bad that I cannot realistically maintain payments of any kind.

 

Please take the following special information into account when making your decision.

 

Illness, coupled with a loss of overtime due to the COVID-19 pandemic, has lead to a severe drop in household income. I am 62 this year and coming close to retirement age. The illness is not short term and most sadly will not improve as time progresses, it is very unlikely a return to any financially meaningful employment of any kind will ever happen 

 

As you can see, my situation is very unlikely to improve in the future, and my continued high debt level may have a serious effect on my physical and mental wellbeing. I would therefore be grateful if you would seriously consider this request for the debt to be written off.

 

I would appreciate any help you can offer me right now.

 

Yours faithfully,

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Yes i think these fleecers have had enough money out of her.

  • 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

hidden i'd remove your name??

 

safe to ignore

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 never enter into any pointless letter tennis

  • 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

Use pdfmerge site next time one multipage pdf please

 

safe to ignore link.. None of their business.

 

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... 

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Share on other sites

yep then reply with the pro rata say £5 PCM?

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

We are currently paying £5 pcm to link and Cap1. My plan, if we have not heard anything in the next 2 weeks, is to send the offer of £250 to pay it all off. What do you think?

 

 

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Well 2 weeks might be a bit quick...

or just stop and see what they do in a month or 2 link that is...

  • 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

We've had some wonderful news from Cap1 - they have agreed to write off the debt. See attached. The only slight concern is how it may impact their credit score as they've mentioned marking it as partially settled to credit reference agencies. Will it impact my parent's credit score given it defaulted over 6 years ago? Any further action required?

 

Link have sent another letter, see attached. Is the best strategy still to ignore? We're currently telling them we will only discuss in writing when they ring - should we continue with this strategy or do something different?

 

Thank you again for all your help. You've really helped to make a significant improvement to my parent's financial wellbeing.

 

Link-July-27.pdfCap-1-Write-Off.pdf

 

 

 

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