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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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Compliance interview with HMRC


Stressingalot

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Hi 

I received a letter from HMRC stating they need to have a telephone interview with me regarding to someone being linked to my address.

The name they stipulated is my partner. 


I moved in to my address in 2019, i had always been in receipt of tax credit due to having given birth years before and being a lone parent. I fell pregnant in 2020 and gave birth the same year. My partner moved in a few months after me giving birth (we were on and off for a while) but decided to really give things a go. 
 

I updated all relevant bodies including tax credit, I was told there had been an overpayment which I went on a payment plan for. This is all still 2021, and I was no longer receiving tax credit. I believe also in 2021 I updated the claim that I had given birth to a second child. 
 

moving on to April 2022

I started receiving roughly £20 a week which shocked me but I thought this may have been due to my partner submitting his tax return (he is self employed) and as it was not a lot of money I thought nothing of it.  

 

Following on to December 2022

I added my 2nd child’s nursery fees and also started receiving childcare maintenance. I that point didn't realise that my partners name was no longer on the award and I should have amended this. 


i did at no point remove it or intentionally remove it, I do not remember what the pack said in April 2022 as I was going through a miscarriage which meant I wasn’t doing well mentally (I was also off work for 2 months due to this - paid)

 

that whole era is a bit of a blur however back to December 2022 I was pregnant again and I was so stressed when I saw his name wasn’t on the award I didn’t want to make any changes as that point eventually it kept being something I did not do and didn’t prioritise much to my own stupidity. 
 

the letter is asking for dates between April 2022 to July 2022. 


i am so stressed at the possibility of what may happen.

I honestly never intentionally removed his name - and I’m terrified they will not believe me!

I also know it was my own fault for not saying when i noticed what had happened.

 

has this happened to anyone ?

what can I expect ?

 

 

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as you'll see there are lots and lots of like threads here to read, i recommend you do so.

 

its no big deal, they aren't after putting you in prison or anything nasty, the very very worst is they might want you to pay back £xxx sum you might not have been entitled too over xxx period by small deductions from what you get now.

 

simply be honest with them. thats all you need to do.

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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