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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
      • 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
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Hi, I`m new here......stumbled on here...very fortunately it seems. Having trouble with Moorcrap. They have taken debt from Littlewoods.

I have not acknowledged debt with them and they have sent two letters from their "Impending Court Action" department. I had debt with Littlewoods. Can I request copy of alleged agreement? I have been making token payment to Littlewoods as I now am suffering true hardship and Moorcroft want £80 per month.

I have also been paying a nominal £5 per month to Wescot and Gcc and Reliable Collections but it is now becoming a question of feeding us or not if I do/don`t pay this amount.

We returned from abroad after 15 years and needed credit to obtain essentials for the home....My hubby had a massive stroke which has rendered him severely disabled...we are on pension credits and high rate DLA and high rate care....I am 24/7 carer and earn £46 per week.

We do not own our home....council tenants, we have only motability car which does not belong to us and no bank accounts except a basic one.

We were given credit easily without having any assets or bank account at the time.

The CCCS assisted me to lower my payments, but I filled the necessary forms in......they all want more now after a year and I do not have it. Can I, after this length of time ask them for proof of debt?

Any help would be appreciated.....

Many thanks

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sorry can't really help but have a read of this thread http://www.consumeractiongroup.co.uk/forum/general/27830-moorcroft.html



Halifax £3600 charges, won with C/I £6400


NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.


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Thanks, c allen. I have posted CCA , recorded delivery plus £1.00 postal order.


Does anyone think I should do the same with my other three accounts? They regularly charge me £15 for admin for late payments but I pay online on a regular basis....I`ve accrued approximately £60 for these costs on each account for the year 2006....so I am never going to clear these debts anyway as that is about what I`m paying in a year!


Many thanks


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  • 2 weeks later...

Wits End. You need to send CCA request to all debt collection agencies you are dealing with. Also send SAR request to all the original creditors. It does not matter how old the debt is, you are still entitled to these requests.


Further, the DCA's have no right to impose penalty charges or interest.


If you need any more help, let me know.

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