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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

Been with payplan for 13yrs - help


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Scammers paid for by the banks and dcas

 

Next time. If someone says do this or that ..dont..tell'em to go do one.

 

chAt is as bad as the phone they lie cause they get a cut if you use/pay through them.

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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They cant send anyone in the 1st place that could ever do anything..

they are not BAILIFFS

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

  • 2 weeks later...

Hi

 

It seems many banks and DCAs have thrown the book away on the correct procedure when dealing with defaulted accounts. No one seems to understand the 2018 regulations, so all of them seem to missprepresnt it  and what it says  

For a start they often misrepresent the start date of the notice of default

 This is not the default notice  its the notice of intention to record that the relationship between the creditor and debtor has irrevocably broken down, it should give the debtor 30 days notice to remedy.

So you need to find it and check if six years have passed since it was sent

 

If you dont find it, you may have a problem.

 Many creditor like vanquis and link for instance, are saying the account is still live

 Yes this is despite it being on a plan for twelve years.

Most people will have gone through bad patch in  the past and may only have a couple of old accounts like this on their file

. This gives them a pot of leverage against the debtor.

 They could now file a default and the account will be defaulted for another six years. As for the ombudsman really dont waste your time, they just talk to the creditor , if they say piss offx then off he pisses.

If you talk to him he is very quiete, this is not because he is in deep thought about your problem, oh no, it is because he hasnt a clue what you are talking about.

As a parting thought after a consultation he said  I think if you owe someone money you should be on the register, no matter what. 

 

I would go to the ico.

 

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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11 hours ago, Peterbard said:

Hi

 

It seems many banks and DCAs have thrown the book away on the correct procedure when dealing with defaulted accounts. No one seems to understand the 2018 regulations, so all of them seem to missprepresnt it  and what it says  

For a start they often misrepresent the start date of the notice of default

 This is not the default notice  its the notice of intention to record that the relationship between the creditor and debtor has irrevocably broken down, it should give the debtor 30 days notice to remedy.

So you need to find it and check if six years have passed since it was sent

 

If you dont find it, you may have a problem.

 Many creditor like vanquis and link for instance, are saying the account is still live

 Yes this is despite it being on a plan for twelve years.

Most people will have gone through bad patch in  the past and may only have a couple of old accounts like this on their file

. This gives them a pot of leverage against the debtor.

 They could now file a default and the account will be defaulted for another six years. As for the ombudsman really dont waste your time, they just talk to the creditor , if they say piss offx then off he pisses.

If you talk to him he is very quiete, this is not because he is in deep thought about your problem, oh no, it is because he hasnt a clue what you are talking about.

As a parting thought after a consultation he said  I think if you owe someone money you should be on the register, no matter what. 

 

I would go to the ico.

 

None of them are on our credit file now and they have all acknowledged they can't be readded so far. 

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If old defaults has exceeded 6yrs they can never comeback

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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