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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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Village Gym, ARC Ltd & Major Law

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Hi all,

I understand and have read that this subject has been covered a few times by a lot of users but of course every case is different so before I respond to Arc and Major Law, I thought ill do a post here to get the view of a few people that either experienced this before or have advise to offer.


So, I will try and cover what are the important things and give a bit of background to my case (I will also attach the letter from Arc and Major Law plus the emails I got from Village Gym)


I opened my account in April 2022 with 1 year contract to end in March 2023 (exact contract wording: Your initial commitment period will end on 31/03/23 plus 90 days notice period), side note - the 90 days notice period was never enclosed when I agreed to the contract over the phone. Monthly fee of £47.


Fast forward to September 2022, I requested to cancel the membership through an online form they have as I was going through a lot of stress as work causing me not to use the membership plus all the financial difficulties all of are currently facing.


Their response was an automated email confirming my cancellation will take place on 31/03/23 as per contract T&C's etc etc..


I went back to them to stress that I have a genuine reason to cancel and that all of this adds to my stress/troubles and that I was willing to pay another month but wanted to close the account (that was in December 2022)


They came back asking for some proof of this e.g. doctors note, but I never went to my GP for this and its something I wanted to keep confidential as well. They never showed any remorse or sympathy for me problems and they were not willing to work with me on this.


Long story short I ended up paying for December and cancelling my DD going forward as I could deal with this anymore.


Following my DD cancellation I received a generic email saying that they would increase their prices to cater for increased energy costs etc, so I found this opportunity to cancel my contract on the basis of that (there was a clause to say I was allowed to do that if they increased costs) so I received an email confirming cancellation of my contract in 31/01/23.


By the way, all my communication with them was through their online form to submit queries - meaning I have no proof of the text I have sent just an automated email confirming my submission of the cancellation request.


I started receiving letters from ARC LTD in April (see attached) asking for £99.63 as an outstanding balance (even though I have an email from Village saying my balance is £49, also attached) which I of course ignored so far until I also a letter from Major Law threatening court action if I do not respond or pay up my balance which would include fee's if I go to court.

My course of action would be to email both Arc LTD and Major Law and tell them in simple terms that:

  • Firstly, they have it wrong and that I only owe £49 as per Village gym email to me
  • Secondly, their threatening act is unacceptable and will not be tolerated
  • Thirdly, I will mention that I consider reporting them in trading standards for false claims, psychological abuse etc
  • Fourthly, I wanted to mention that I had a valid reason to cancel my membership which their client didnt honor and this debt should be deleted (is it worth mentioning that?)
  • Or just continue to ignore it?
  • Or offer to pay £30 as goodwill and close this matter down?

Any thoughts or recommendations on how to approach this before I proceed with the above?

Many Thanks


Village Gym.pdf

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ignore everyone.




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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As above – but for the record:
sounding off that their behaviour won't be tolerated – doesn't help and would just be seen as cranky.
Reporting them to trading standards doesn't faze them – trading standards are useless for this kind of thing – they will realise that you don't know what you are doing.
They aren't bothered about psychological abuse – and anyway it's not recoverable head of damage in the circumstances. It sounds like ranting.
Arguing that you had a valid reason makes you sound like a supplicant.
Don't offer to pay them anything because it encourages them and makes them feel that you do feel morally indebted


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Understood - thank you kindly both.

If they do continue with their court threats - still ignoring or would you recommend that I need to respond back?

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gym debts dont appears on credit files

gyms dont do court

totally IGNORE.

its a scam.




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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