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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 
      • 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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been paying 2 DCA's on card debts for years - want a mortgage soon - help


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yep great advice 

read a good few threads in the debt selfhelp forum where i've moved your threads to.

once the defaults reach 6yrs the WHOLE account vanishes (doesn't mean it might not still be owed mind!!)

DONT EVER give anyone full access (your copy) to your credit file .

then they wont see the old removed debts.

thread title updates

stop being a DCA cash cow!!

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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  • dx100uk changed the title to been paying 2 DCA's on card debts for years - want a mortgage soon - help
3 minutes ago, unclebulgaria67 said:

Even then, you would have to disclose debts to mortgage companies when applying.

not once the defaults have removed them you don't!

what they cant see cant hurt them.

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

whom are moorcrofts stated clients?

i'd stop paying both of them

you are being had blind.

6 hours ago, Yorkshiretea82 said:

but I did spend the money so I do owe the debt.

throw the 'morality' card out the window.!!

they did when the dca's enrolled you in their free cash cow milking parlour.

you do realise NONE of the money you pay a DCA ever goes off the supposed 'debt' the OC wrote that off years ago when they sold the debt on for 10p=£1......straight down the pub or pays for their staff holidays with you free money.

6 hours ago, Yorkshiretea82 said:

think I want to negotiate a discount on the debt with them so I can apply for a mortgage been totally debt free.

why? the debts wont show once the DN reaches it's 6th b'day. and even if you do, they'll only mark them as partially settled anyway.

a DCA IS NOT A BAILIFF

and have

ZERO legal powers on any debt - no matter what it's type.

you seriously need to wise up and get reading.

Debt management and Debt self-help - Consumer Action Group

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

mortgage companies dont give a stuff about getting a CCJ post lending. none of their business!

same as its none of their ruddy business you have an old debt from 10-20-30 yrs ago you've been blindly paying that they can't see.

people being mugs and getting mugged by paying old debt is not a lending criteria ....not their problem.

however what is is if people believe there is some mystical magical morality wand that a DCA wavs over people that makes them blindly cough up.

simply amazes me in this day and age.

if everyone stopped paying DCA's their business would collapse overnight

the same as why everyone going for a mortgage blindly handsover a full printout of their credit file to a broker/IFA or a lender so they can FIND bad things and scam them out of more fees or a higher interest.

people throw the fllippin morality cards out the window and stop believing what nicey nicey Payplan, stepchange, CAB/NDL etc write..it's utter garbage you are reading and then passing on as correct advice....:crazy:

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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