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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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Cabot/Hoist x 2 Bank of Scotland Current Account Overdrafts


Shooz91
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Received letter today from Cabot advising a company called Resolvecall will come to my door to get me in touch with Cabot RE BOS current acct OD for £763.

Also received a letter from Hoist Fianance for another BOS current acct OD £500- had no idea about either of these! 

I called Cabot (from withheld no) and asked for some info (did not admit debt etc) as I honestly can't remember anything about this account.

This is the info they gave me...

-BOS current account opened in Dec 2009 
-Defaulted may 2015
-Cabot purchased debt in July 2018
-Last payment made was £30 in 2019 but was a payment that Moorcroft transferred to Cabot!? I asked several times if this payment was made to Moorcroft in 2019 then transferred or if it was a previous payment- did Moorcroft hold the account prior to Cabot but the advisor did not know. 

 

Then called Hoist

-Current account opened in Aug 2010
-Defaulted June 2017

-Hoist purchased debt late 2019 but had been with several other agencies prior

-Last payment made was £54.26 in March 2020- £54.26- similar to above, not a payment made to Hoist, advisor kept saying a previous agency transferred them the payment!?

 

I can not find any trace of this payments- was hoping to go along lines of statute barred but not entirely sure where I stand with them both?


 

Edited by Shooz91
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  • Shooz91 changed the title to Cabot/Hoist x 2 Bank of Scotland Current Account Overdrafts

You must seriously stop using the phone!! Never phone a dca..ever.

 

If you have moved since then, simply cover yourself and write to each informing of correct address. Then radio silence until/unless you get a letter of claim

 

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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Unless you in writing informed the oc before sale or the dca since you moved... i wouldn't risk it. Just because a dca writes to your current address, means nothing.

 

Paploc does not apply no.

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

And you don't think it was planned this way...thats why they went for the claim with the best chance 1st...you found cag..unlucky cabot..

 

oD's are notoriously difficult to litigate upon

just have a search here for od claimform

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

  • 4 weeks later...

Just had Resolvecall at my door RE the Cabot debt! I did not answer as he was a rather scary looking chap (I know they can not enter etc) but he has very kindly posted a note through the door.... 

'In light of the current pandemic we are looking to contact yourself, in order to understand your present circumstances'..... What has the pandemic got to do with it!!? 

Any advice? Really do not want these clowns knocking my door.

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Just ignore them

stuff and all they can do

 

Dx

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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

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