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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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Payplan for 13 years, decided to do something about it


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:rockon::rockon::rockon:

 

moo cash cow removed

wait for the little piggies to start squealing..

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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  • 2 weeks later...

Beggars belief ...how can you have a debt on a current account without an overdraft.....no point writing to a DCA they simply do not understand logic..common sense...and in particular finance.

 

If you must.....ask them to provide proof of the agreement and the credit limit or better still simply ignore them..its really not worth the stress.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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  • 4 weeks later...

Ive had another pair of letter replies. Both from DrydensFairfax - one regarding the HSBC credit card requesting payment, which came a week after one for the same account acknowledging the debt was unenforceable. So i know to ignore that one.

 

The second letter from them was regarding a Barclays OD (attached). I *think* am ignoring this one too from what i've read on this site, or should i be replying to it?

dydens fairfax barclays request for payment.pdf

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Lol @ it must be completed 

 

Only a Court, HMRC or Council Tax have the right to ask for an income & expenditure form

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Sorry but never enter into pointless letter tennis.

ignore until or unless you get a letter of claim

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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  • 4 years later...

Back in 2019 this forum helped me to get free of Payplan and through some CCA letters dispense with a number of old debts.

One related to a Barclays Overdraft from the early 00s, last payment through PayPlan was 04 June 2019.

I have informed Drydens in both May 2019 and June 2023 of change of address.

No letters beyond a confirmation of the change and a request for finanical details, which ive ignored.

Today ive just received 2 letters from them that look like notice of assignment, or confirmation of appointment letters - along with the usual requests for payment and mild threats of further action.

What i was wanting to know is do i just ignore these as per usual?

I know that i cant CCA an overdraft debt but what is the usual "plan" for dealing with old overdraft debts? Am i trying to run the clock down until June 2025 when it becomes statue barred?

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3 minutes ago, dchbrown said:

Today ive just received 2 letters from them that look like notice of assignment, or confirmation of appointment letters - along with the usual requests for payment and mild threats of further action.

From  ?  With regards to the Overdraft debt ?

Can you not log in using your original account username ?

 

Andy

  • Like 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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  • dx100uk changed the title to Max Recovery/Drydens - old Barclays Overdraft Debt

I am logged in with my original username, but couldnt find my original thread when i looked myself.

 

Single envelope, 2 letters -

1 from Max Recovery telling me that my account was transferred to Drydens Fairfax in 2007

1 from Drydens Fairfax telling me that they are under instruction from their client to seek repayment.

 

I am not sure if I actually need to do anything at this stage, i rememebr dx100uk telling me to come back here if either of my overdraft creditors got in touch. its taken them 5 years to do so but here i am.

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Just now, dchbrown said:

I am logged in with my original username, but couldnt find my original thread when i looked myself.

But you only have 2 posts ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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1 minute ago, dchbrown said:

Single envelope, 2 letters -

1 from Max Recovery telling me that my account was transferred to Drydens Fairfax in 2007

1 from Drydens Fairfax telling me that they are under instruction from their client to seek repayment.

But nothing from Barclays.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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No, nothing from Barclays.

Turns out i have 2 accounts on here, and i posted originally on the other one.

Sorry about that.

 

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I am coming back to this thread after receiving a Single envelope containing 2 letters:

1 from Max Recovery telling me that my account was transferred to Drydens Fairfax in 2007

1 from Drydens Fairfax telling me that they are under instruction from their client to seek repayment.

 

These relate to a Barclays Overdraft from the early 00s, last payment through PayPlan was 04 June 2019, but neither of the letters are from Barclays themselves.

 

I have informed Drydens in both May 2019 and June 2023 of changes of address.

No letters beyond a confirmation of the change and a request for finanical details have been received, which ive ignored.

 

What i was wanting to know is do i just ignore these as per previous advice?

I know that i cant CCA an overdraft debt but what is the usual "plan" for dealing with old overdraft debts?

Am i trying to run the clock down until June 2025 when it becomes statue barred?

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  • lolerz changed the title to Payplan for 13 years, decided to do something about it

bar updating debt owners upon a change of address, which you've done?

do nothing more , do not respond until/unless you ever get a letter of claim.

dx

 

  • Like 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... 

Link to post
Share on other sites

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