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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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Help!! 45k debt mountain!


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1st go open a parachute account

and get ALL income going into that A/C from whatever source.

 

i suggest post office or Co-op, someone NOT associated to ANY of you current creditors.

co-op do an online one you can apply for now.

 

next.

to date you have not missed payments and EVERYTHING is still with the original creditors?

 

if this is the case, then the quicker you get defaulted on every credit account the better.

 

ensure you keep paying the things that can threaten the roof over your head

Gas, electric, mortgage, CTAX.

 

the rest can all go whistle for now.

 

no no-one can threaten you with home sale not on consumer credit.

i also question you idea of turning unsecured debt into secured debt with an expanded mortgage or secured loan....bad move that one!

 

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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once you received an official default notice from a creditor and their debt is marked in the summary line defaulted date = XXXXX, which everyone can see....in 6yrs time, on the DN's 6th B'day, regardless to being paid or not or paying or not, the whole account is removed. this does not mean the debt is not due or is wiped.

 

the same goes for CCJ's, regardless to being paid or not or paying or not, the CCJ is removed. this does not mean the CCJ is unenforceable nor wiped.

 

the idea here is to get the bad stuff that is going to happen, happen as quickly as possible, that being a default notice being issued and your credit file being marked. this unusually involves stopping all payments on any consumer credit, .then the quicker your credit file is clear and poss remortage/etc etc becomes an option...with a clean credit file.

 

as this DN gets issued on each account, then you look toward entering them into your pro rata agreement. (letters are in the debt collection section of our library).

 

we don't typically recommend  completely ignoring debts until they are sold on, nor do we recommend nor actually see much success where people try to come to a lower F&F with a debt buyer unless missing enforceable paperwork plays a part.

 

most original creditors do not go for CCJ themselves as its bad publicity. they'd rather sell for 10p=£1 and reclaim the rest on their business insurance...hence how DCA's exist...if everyone stopped paying them overnight, their WHOLE industry would collapse.

 

not sure if i missed anything... 

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

:cheer2:

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

 

for the minute dont worry about take out age 

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

spam ignore

  • I agree 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

  • 6 months later...

open

 

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

wetcloths cant send a default notice, they dont by debts, only act for their stated client.

what have you actually received?

a default notice comes from the original creditor and will mention you have defaulted under the consumer credit act 1974 section 87.

an example is attached.

default notice.pdf

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

ignore wetcloths.

that is not a DN and you now knowwhat one looks like

get all your debts defaulted by section 87 letter FIRST.

NOSIA are simply notice a creditor must send if they are going to levy unlawful arrears fees.

 

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

scan the dn up.

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

  • 2 weeks later...

thats not a DN thats the cover letter

we need ALL the pages they sent you.

a DN MUST mention section 87/8 as i said before.

and be in the generally accepted correct format.

already showed you what one looked like earlier...:frusty:

dx

On 08/07/2023 at 22:10, dx100uk said:

wetcloths cant send a default notice, they dont by debts, only act for their stated client.

what have you actually received?

a default notice comes from the original creditor and will mention you have defaulted under the consumer credit act 1974 section 87.

an example is attached.

default notice.pdf 402.9 kB · 3 downloads

 


wheres the rest of it

and please dont hide dates times figures£

 

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

then that is not a notice of default

ignore.

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 month later...

typically if a defaulted date appears on your credit file, then you should be issued with a default notice UNLESS it something nor covered by a credit agreement like mobile debt etc.

if its covered by the Consumer Credit Act 1974 then the original creditor must send a default notice giving you 14 days under section 87

wait for cabot to send you a letter of claim on both this and the OD.

2 hours ago, DebtFreeMO said:

Virgin Money Credit Card x2 - no default notices received, but debt has been sold to Intrum UK Finance/ Capquest, advice on next steps?

intrum are nothing to do with Capquest and are not part of the arrows group. who is the notice of assignment from..scan it  to PDF?

2 hours ago, DebtFreeMO said:

Sainsburys CC

if a debt has been sold you'd get a notice of assignment.... PDC dont buy debt and their letters say sainsbury is our client i bet

until you ever get a letter of claim on a debt you dont respond to anyone.

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

PDC are not part of sainsburys just a dca for hire. no dca's are owned by any major retail nor credit companies.

for those that have now been sold on 

sit on your hands till you (ever) get a letter of claim

as long as the OC had the correct address .

as for that letter 

do you not want to kill that barcode and its long number? 

you can read those with a phone camera and an app just like qrcode boxes

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 dont.... put up a new version i'll swap.

PAPLOC etc...Nope you comeback here for advice as i stated.

 

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

as i said earlier typically you'll get a forest through you door before you get a letter of claim, if that ever happens.

if you hit letter of claim and READ ALL THE THREAD you get an understanding upon how to respond to a PAPLOC

till then simply ignore 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... 

Link to post
Share on other sites

and try and get the moneyback too!

your HR dept should not be blindly stripping money from your wages when they dont know where it is going.

get the payments back from them, not your problem to chase down chaps, they are ones that didit.

ruddy cheek!!

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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