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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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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    • 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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Halifax and lots of PDL loans - Irresponsible Lending? and stepchange DMP help please


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Hello,

I have just joined, my main reason for joining is in 2017 I took out a £5000 loan with Halifax, and I believe it was loaned to me irresponsibly,

I was on a zero hour contract job at the time, and then around a month later I split up with my partner, to my knowledge, I have paid back over £5000 but I still owe around £4500, and I had a Halifax credit card with them which I owed over £5000 on

they are now on a stepchange debt management plan, but I now want to start making a complaint to them, my account was sold to PRA group, so I am wondering to I DSAR Halifax and PRA group?

Thank you

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firstly, why are you blindly using a DMP company that just makes you pay your debts to a no powers DCA?

a dca is NOT A BAILIFF - and have zero legal powers on ANY debt - no matter what it's type.

if they dont hold a signed copy of your agreement..... you are being cash cowed. and they get free drinks on you every month down the pub.

stepchange etc etc cant be bothered with enforceability as the banks and DCA's fund them.

pers id dump stepchange now and do the DMP yourself, after you've sent a few CCA request 's off mind!

 

as for halifax and an IRL complaint....

if you cant prove your credit file was shot with defaults at the time and lots of other debt, then it will be a hard job.

 

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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I am not sure regarding my credit file, at the time I know I had quite a lot of credit and it get a lot worse when I moved into a private rented house on my own,

I had taken out payday loans with lending stream and other providers and Halifax gave me money transfers off my credit card,

with regards to the DMP, I thought it would be better for my credit file in case I wanted to get a mortgage in the future, but I do not believe that to be the case anymore.

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well looks like you've a long route of IRL complaints to make to each and every PDL Co too then?

i think its better we deal with these in the debt self help forum and as a whole thing....

so ive moved you there.

Debt management and Debt self-help - Consumer Action Group

 

can you list your debts with SC please

read a few thread in that forum and you'll get the idea

 

 

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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  • dx100uk changed the title to Halifax and lots of PDL loans - Irresponsible Lending? and stepchange DMP help please

PRA Group-Halifax 

Moorcroft-Very

Link Financial-Halifax Loans

PRA Group Barclaycard

Wescot RBS Overdraft

Moorcroft 02

Link Financial Lending Stream

PRA Group Halifax Overdrafts

Lantern-Lending Stream

Total debt is £16,000

Edited by dx100uk
unnecessary previous post quote removed
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just type no need to keep hitting quote.

who are westcots stated client?

who are moorcrofts stated clients.?

look like you are being cash cowed by dca's on most of your debts esp LINK!! the worst lot of all.

pers id cancel your DMP.

how long have you been blindly paying these scammers?

and when were these debts 1st taken out?

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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Moorcrofts clients are Very and 02

Wescots client is RBS 

 

I said before about I thought it would improve my credit, but obviously that is not the case, and when I want to get a private rented property (I am currently living with parents) but I believe this is not the case and there chance of taking me to court is slim to none it seems? 

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sorry the credit card was taken out in 2013 the loan in 2017, the RBS overdraft, lending stream one of the barclaycards were taken out in 2018, I also had quickquid and safetynet credit but they have gone into administration so have not bothered with them.

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