Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 1 reply
    • 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
        • Like
      • 162 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
        • Like

My unenforceable journey is coming to the end!


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3493 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

My unenforceable journey is coming to the end! At last

 

 

I have been to County Court to fight ccjs and high Court to fight HCE Bailiffs and only lost once on an un- regulated loan

I have been checking through all of my creditors and dca accounts

 

Most are now statute barred or coming up to being statute barred in the next couple of months

 

Most of the dca do not know my current address.

 

I am considering writing to each one in turn once I consider that it is SB notifying my current address so that they can't sneak in and get a ccj at my old address and informing them that the account is statute barred

 

What does the team think about me doing this?

 

Only me again

Link to post
Share on other sites

Only notify them of it being SB if they chase you or you get court action. For now, keep your head down, especially if theyre already SB or coming up to SB. Let them waste their time chasing you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

If you receive a claim ( unlikely but possible), then you could set aside if you told them your new address. However, if you go around contacting the DCA's out of the blue, then you open yourself up to further harassment from them, plus run the risk of acknowledging the debt and resetting the SB status.

 

if the debts are already SB, then let them file a claim. Theyd have wasted their money. If the debts are almost SB, then lie low so you dont run the risk of resetting them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

What types of debts are these

 

Have the ones where its acceptable to CCA been done?

 

Any reclaims from ppi or credit card charges?

 

There may be ways to drag some legitamtly beyond the SB time

 

BUt yes, if anyone applys for a ccj using your old address, by not informing them it would be difficult to get it set aside

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

Link to post
Share on other sites

Only do this is you are absolutely certain the accounts are statute barred.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

The consensus seems to be to let sleeping dogs lie, both here and other sites and so this is what I will do

 

I've subscribed to credit reports for a few months now and they seem to let me know about any changes.

 

I've got recent letters from most dca to my current address so could argue against a potential default if one were to sneak in

 

Onlyme

Link to post
Share on other sites

Well they can't add a default if the oc didn't. Unless you sign a form giving them permission to do so, similar to eruidios current tactics.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

Only do this is you are absolutely certain the accounts are statute barred.

 

 

ditto

if its potentially 'close', do nowt unless sure.

if is already barred, then any comms thereafter wont reset.

a default judgment eg on an old address can be set aside if it was barred at the time.

Link to post
Share on other sites

They still have to follow procedure to get a court order, then judgement, then enforce it.

 

For now, MY advice would be to stay quiet, but get as much info on if they are SB as you can, so you can be prepared IF they actually do something.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

I'm always mystified how the DCAs can get court paperwork served when you are no longer at that address.

 

 

Many years ago, when I was on the other side of the fence & chasing people for money owed to my company, I would get a letter from the court saying sorry, he's gone away. If you find his new address we will re-serve the summons for you.

Link to post
Share on other sites

DCA's use any trick they can to get what they want. They dont care about legitimacy or not. Thats why many DCA's try and issue court claims, even if they dont have any of the required paperwork. They hope to get a default judgement so no questions are asked.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Link to post
Share on other sites

  • dx100uk changed the title to My unenforceable journey is coming to the end!
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...