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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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Brooksdad v Woolwich


hughes690
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Same difference, tho - one or two - They have 40 days to respond. Do lots of reading.:cool:

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After an awful illness I'm on the 'go' again! Got an 'offer' of £1000 from Woolwich. Just received recently. Will keep thread informed soonest. No way will I accept! :)

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Have now prepared for posting Letter of Response to Woolwich offer of £1000 (from Library). This means action by Woolwich by next week. In meantime I will prepare MCOL file. :)

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Hi Hughes

Hope your feeling better, Get that letter in the post when needed.

When you file MCOL Dont forget to send 3 copies of your shedule to the central court with a covering letter with your case number on.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Reference Post No 22 - I have received accounts from DCA. I have NOT yet received a copy of original executed agreement or copy of deed of assignment as I requested. Is this a criminal offence by DCA? :(

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NEW CLAIMANTS PLEASE FIRST READ FREQUENTLY ASKED QUESTIONS AND FORUM RULES

 

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If their 12 working days and then the further 30/31 days has past then yes (poor loves) they are not only in default but committing a criminal offence.I would write to them and it might just give them a nudge.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Letter to DCA done and posted. DCA commit Criminal Offence if no compliance to my request (19 Jan) by 04 Mar 07.

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Anxious days watching for Postie. Criminal Offence by DCA looming!

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Postie has Been. Is this not really funny? Nothing new from Woolie, but, guess what, a Heatons (DCA Equidebt) solicitors demand for a 'priority' £15.00 payment (enclosing a bankers paying-in slip)!!!! I have not yet made Feb 'instalment.' They don't even realise (yet) a criminal offence has been committed and they are in 'default' already. :confused:

 

Would appreciate a comment, please.

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Hughes

All you can do is write to them and point out that they are already in default of the CCA 1974 with failing to supply you your copy of the agreement, and that the agreement is unenforcable untill they do. If they fail to provide a copy after 40 days then they commit an offence.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Post No 107 refers: DCA is in default - Criminal Offence committed on 04 Mar 07. What action is then required? ;)

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Filed claim against Woolwich today (Mon 05 Mar) at Northern Ireland Small Claims Court (limit £2000) against Excessive Default Charges by Woolwich. Claim period 01 Jan 01 - 16 Jul 01 for £1983.00 plus £935.48 interest. Here's hoping success will follow! ;)

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Received a FURTHER letter today from Heatons (Equidebt Solicitors) asking to telephonr DCA to discuss 'matters further.'

 

I have replied to say I will not enter telecons with them - but will discuss (their problems) by letter only.

 

DCA have not yet complied with my initial request (19 Jan 07) for copies of signed agreements or copy of deed of assignment.

 

Is this not a default - and even a criminal offence. Comments welcome. What further action is necessary by me?

 

:cool:

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  • 2 weeks later...

Hi Hughes

Sorry I can't help with the DCA question...is everything okay with you - any news on the court claim yet? I have received my copy of my claim from court today and Wooly have another week to acknowledge or enter a defence, or not answer (wouldn't that be nice??!!). Just wondered how you were getting on as you haven't posted an update for a while

xx

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Thanks for your post Yogachick - Made claim via Northern Ireland Courts Service 05 Mar 07 and have not yet received hearing date or any further correspondence from Woolwich/Barclay since last contact. DCA letter from Heaton last week (solicitors) to say my non-contact by phone 'has been referred'!!!

Oh Dear! :cool:

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Thanks Yogachick - Haven't got a date from NI Courts Service yet - so I presume Woolie haven't either. (I'm in a period of waiting).

 

CAN ANYONE PLEASE ANSWER THIS (Urgently!)?

 

What's happening?? Received two letters (one for each account) from ECI DEBT COLLECTORS, Surbiton, Surrey this morning. WHO ARE THEY and why? I quote:

 

'We have been instructed by our client (Equidebt) to collect the above debt on their behalf. This has been outstanding for some considerable time and must now be paid.

Failure to honour your obligation to discharge this debt could seriously impair your credit worthiness.

We strongly recommend that you contact our payment hotline immediately on . . . to make full payment by debit or credit card. We are open . . .

This can only be resolved by you. Failure to respond will only result in our continued efforts to contact you.

 

Yours sincerely, Wes Mulligan.'

 

Can Site Helper or Moderator or adviser offer urgent advice?

 

Equidebt are in default and have committed offence in not supplying information requested 19 Jan 07. Why have accounts been transferred to another DCA? Can new DCA enforce payment? Can Equidebt enforce payment? Please, please offer advice. :-x

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Right hughesy stop panicking for a start ! im not to up to date with DCAs but i would suggest you drop them a line saying you do not acknowledge any debtto them or equidebt dont worry about them most of them as far as i can see just use scare tactics! regardung your claim in northern ireland small claims if you did it on line you can check when woolwich have to respond by it will be under return date however its usually between 4 - 6 weeks because its going from one juristiction to another ! also try reading through some of the threads on debt collecting agencies !

if my advice has been of any help to you then please click the scales ! Thank you :D

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Is there no one out there to offer advice? Is this a NEW thing by DCA - pass it on to another DCA? Please, someone please respond! :mad:

 

OOPS! Thanks Paddym.

 

Looked at NI Small Claims on line file - No date yet, but 'Case response Received' - that's all it says just now.

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Hi Hughes

I believe This is something that DCA's do, its not new, all you do is write to the new DCA explaining the account is in dispute, and you have asked the original Dca to supply Deed of Assignnment ect. and they have failed to do so so they are in breech of CCA 1974 and in breech of the code of conduct that they have to abide by in passing on the debt to another co. Debt co's buy and sell debt's so your original co has said ' oh Hughes'y want's a DOA we aint got one lets sell the debt, get some money and let someone else go after him'.

As soon as new debt co find out whats going on they will drop the debt back into the lap of the original DCA.

Send letter Special delivery and give them 7 days to reply saying you do not acknowledge the debt due to the above.

 

AL:)

-------------------------

CAPITAL ONE * SETTLED*31st Oct 06

HBOS *SETTLED* 8th Oct 06

WOOLWICH *SETTLED*12thJan2007

Monument (Barclays) *SETTLED*10thMar2007

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Sorry for not popping in earlier Hughesy but I am trying to get everything ready for an appointment with a judge on Monday.

 

DCA's do tend to pass these thigns around so just write to the new crowd and tell them that Equidebt have failed to respond to a sec 77/78 request under the CCA and that they have now committed a criminal offence. ANY attempt to enforce the alleged agreement also constitutes an offence so you advise them not to become involved.

 

BigAl seems to be advising you well :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Followed suggestions made by Tamadus and Al and sent letter (Registered Post) to new DCA (ECI) re Equidebt being in default and having committed criminal offence in not complying with my requests under Consumer Credit Act 1974. I told ECI to be wary of any actions they threatened in their letter to me and that NO telephone conversations will be tolerated.

 

;)

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