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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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advise needed

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hi can you help

about 3 yrs ago i had a halifax credit card. i got made redundant and hit hard times. couldn,t afford the min payments on the card but i did pay some each month. then the card reached its limit ( £1000 i hadn,t been using it it got there with interest and late payment charges). i phoned them to ask them to stop the charges and come to some agreement to pay it off. they weren,t interested. then i started getting over limit charges as well as latepayment charges. they phoned me every night demanding payment in full, they would not except any payment agreement they just didn,t care about my circumstances. in the end i just told them to stick the card where the sun don,t shine and i,ll see them in court.then came the phone calls from the debt collectors i told them the same, then came the collectors at the door they got the same responce. finally i got a court summons which i was sure was a scare tactic. so i decided to defend it . i sent in my defence stating that the charges were to high and the refused any offer i made to pay it off as and when i could ( the card was at £1900 by then. i recieved a letter from their solicitors stating they were droping the case because it would cost more then i actualy owe. week later i got a letter from halifax stating they had closed my current acct. and taken the money to pay my credit card( there was only a few pounds in it because i suspected they would do something like that and i had already opened an acct. with another bank)


bear with me nearly there.


that was 3yrs ago, i am now getting phone calls from a company claiming to have bought the debt from halifax. i have never heard of this before. i now have a job and could pay it but the thought of a company buying peoples debts (and they probably only paid a few quid for it) and making money from other peoples misfortune makes me angry.


has anyone else heard of such companys(i thought they only existed in gangster movies)


anyway i have told them i,ll see them in court. does anyone think they will pursue the debt or just give up like halifax, when they realise they can,t scare me with court action which i expect makes 80% of people pay up.

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If the halifax withdrew the case on their own backs they can no longer persue the debt. Do you have the letters etc from ? if so send a copy of this and the letter recieved from the dca to their solicitors and word it something like this








dear sir/madam



re case number XXXXXXXXX


i note that in year you withdrew the above action in court at which point i was about to defend. i understand that as you withdrew this concluded this episode and also that i owed you nothing. i now note that X years later you have sold this to XXXXXXXXX who are now chasing me. please confirm what the hell is going on ? i await your reply.











use the exact language used. you should recieve a reply of some sort to this. most probably you will recieve a letter confirming that the debt has been recalled and written off

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