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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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Lowell email received over 2016 bt and cap1 debts


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2 hours ago, anna may said:

if i didnt contact them would be sending bailiffs with a charge of 235 pounds added,

the txt did not say that at all read it PROPERLY....

the only way BAILIFFS can ever be involved and used is if lowells already have a Court CCJ judgement against you and they return to court to ASK a judge to send them.

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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hi word for word the message says

please contact us now on 03333201829 or an enforcement agent will visit you and a minimum fee of £235 {set by legislation} will be added to your balance quote re ++++++

that was sent on 20th feb,

i then checked on the register judgements and fines website to see if there were any ccjs but it was clear,i checked old address and my new adddress, 

will probably check again to see if there is anything 

thanks for your help 

 

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as long as all your old addresses are showing on your credit file. there can be no CCJ, backdoor or otherwise.

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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thanks dx

did i check the wrong thing ,

i havent checked any credit file as i have no credit at all not in well over 7 years now all bills are in my husbands name,

have joint building society account for our state pensions to go in thats it for me,

do not want any credit either at our age we just pay the bills when we get them

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then time to go do it

all 3 credit ref agencies are FREE.

TBH lowell dont usually screw up where CCJ's are concerned, they must of gotten one by the backdoor by using an old address you were sofa surfing at?, though it would still show on your file (for 6yrs only) and so would that address.

if its over 6yrs old and dropped off , no judge is gonna grant enforcement now.

and anyway as it would be a consumer debt, ther is no right of forced entry so bailiffs are useless..

go figure.

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

thanks dx 

much appreciated as always 

sorry to keep asking stupid questions but would the register that i checked show the same information as credit files,

as for  when we were sofa surfing was not registered anywhere for anything we were very ill and to be honest lost the will to live literally 

 

 

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the issue with trustonline is you have to know the address used on the actual claimform else you will never find it, you cant just search by name.

thats where a credit file becomes useful, as if a ccj was registered somewhere in your name , then the address would automatically be added to your credit file under linked addresses.

although the CCJ itself vanishes from showing under credit file public judgements section after 6yrs, paid or not, the linked address would remain.

i really wouldn't fuss about this, unless you've comms where lowell directly state a ccj was awarded against you on (date).

now if they've given a CCJ number as well anywhere thats even more useful, as you can get details from northants bulk directly on the phone.

it could all just be someone else with the same name as you, but its unusual for them the write as well? was this before you sent the SB letter?

cause if it was, then they got your current address from your credit file, so some evidence of the judgement must be there. go look on the 3 credit file providers sites.

experian, equifax and i think credit kalma 

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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Posted (edited)

hi dx

thanks for the explanation much appreciated 

have not heard a peep from anyone since i sent SB letter april 2023  last year, no communication at all from lowell since we blocked their emails

i am on the electoral register for new address and my current address was on SB letter

just started getting random texts and now phone calls which state to be from marston which have been blocked and reported. 

 

i will keep you updated 

thank you again x

 

Edited by anna may
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It will take 5 minutes to register with Credit Karma, and if no CCJ is displayed it's likely that it's dropped off already. Although that doesn't mean that you don't still owe the money, there is no chance anyone will be able to enforce it.

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We could do with some help from you.

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Did as advised no ccj at all is showing up also paid for trust online just to make sure and nothing there either

Thanks everyone for help and advice 

It is much appreciated xx

 

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