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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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What would stop us from forcing a debt collection agency into declaring how much they buy debts for and also how much they actually collect etc ? As if a bank is making a illegal profit with the way it charges then technically a dca could be done for the sma ething in a similar wya ? correct me if i am wrong !!!!!!!

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Even if it is commercially secret so are the bank charges are they not ? same with pcns etc ?

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I was told earlier on that it would be impossible to chase a bailiff company and recover any money at all. I have proved it can be done easily. ccs and now jbw just waiting for the cheque to arrive. you could always get a judge to order compliance and the dca would have to cough up how much the original debt was bought for. Trust me on this i know i am not making sense but can you make any sense of what i am saying as i need to know you know what i am typing about ?

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So who is going to fire the first shot ? i could do it no problems i have lowell trying to cheas me for 2 debts. i dont really want to cca them as it takes the fun out of screwing them up really badly later in court.

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If you had a dca chase you you could go after them in theory and have them up for illegal collection or something could you not ?

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Exactly. if there is no contract there is no debt. if there is a debt there is a contract. if a debt has been bought then it has been bought at a knockdown price. In effect the bank writes the debt off its ledgers and sells it for argument sakes 20% of the value which means the bank is showing a profit and pocketing the 20% without showing it as so. hence cheating with the tax and vat and so !!!!!

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So in theory we can also now f*** up the cras days as well. Also if one of us registers as a data controller then we technichally have the right to register data with licensed cr agencies as well ? Good though or just rubbish ?

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if they can twist things around to suit them selves then why cant we do it as well ?

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Then it can be argued that the banks have signed us up into a unfair contract. !!!!!!!!!!!!!!!

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  • 1 month later...

Just a quick one. Banks are currently writing these debts off against their profits and then selling them on to debt collection agencies. this was confirmed in the recent barclays annual profits statement. They wrote of 2 billin quids worth of debts but at the same time there are dcas who have bought these debts off barclays and others . Is this illegal or something?

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I havent got a problem in starting my own debt cvollection company off and chasing the banks for the money. The only thing is i would need to be financed. ie if you could provide me with a letter confirming that you have transferred the benfit of the amount to me and also stick £50 towards admin fees etc i do not see why i cannot chase this Fock faces around. !!!!

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That is exactly what should happen. I am prepared to go all the way but dcs dont want to know me.

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I could do it the other way around could i not issue against lowell finance on the same understanding ?

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Just wandering is there anybody out there willing to sell me a debt of £200 ?

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Yes you need to send a sar off with a cheque for a tenner.

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Right nobody get hot handed with me just a question !!!!

If you have a paying in slip from your dc can you send the cca request without the cheque and pay it directly in to their account with the paying in slip and then watch the fun ? They will deny reciving the cheque but it would not look good when you produce a copy of your cheque which has been cashed by them ?

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So does anybody have any ideas ?

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Sorry to jump in, but my OH has an old debt with Halifax and has a statement from them which says "WRITE OFF" and then the full amount of the debt, taking the account to £0, then closing the account. Does this mean they couldn't (or shouldn't) have sold it on?

 

This was may last year and we've not been contacted by anyone, the default is marked as Settled and no new defaults registered.

 

 

That means that the halifax hav e written it off and have not sold it on. If they do then theymust inform you.

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  • 2 weeks later...

Thats why we need a test case. Whos up for one ? Bearing in mind it would be small claim as you would split your claim up into 2 bits.

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This exactly what i mean. Unless anybody challenges this nobody will know what is right and what is wrong !!!

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That is why it is a tabboo subject !!!

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There probably is a way to do it. Someone has to fire the first shot. I would do it but i have a highly publicised case going on due to which i am tied up .

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What can i say. Consumer rights can be used against a finance firm if you really want. Whos first then ?

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i am due to go after lowell finance in afew weeks time. Anybody have any ideas ?

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