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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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EQUIFAX SAR rEAD HERE !!!!!


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I sent a sar off to equifax as they are dealing with all of my financial information. Recieved a letter back 3 days later asking my for my details etc once again. I sent this off on friday. Now the juicy bit. The letter came from the sar compliance section based at bradford. I think i may have just scratched the surface but if you think that your credit file has incorrect information on it sar the relevant credit refrence agency. Then if there is any incorrect information you can force the credit refrence agency to comply etc. As then they would be holding incprrect information. similar to a bank account if the banks are supplying incorrect info to the cra then it is upto the cra to make sure the information is correct If it is not then the cra are the ones who have to answer as nobody is going to goto a bank and ask them are they ? Tell me i am not making sense !!!!!!

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Are you saying that Equifax held more information about you than you would have found asking for a copy of your credit report?

 

Also, are you trying to say that by sending a SAR that if the info is incorrect that it is because if the SAR that you would then be able to seek an amend, rather than just relying on the law?

 

Maybe I'm confused... :-)

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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The requirement of an sar is to supply you with certain data that is held on

you.

However, the CRAs have agreements with their clients that they will not amend or remove data from their files without permission. I personally

think they are denying us our statutory rights, but unless I have missed

something, I cannot see how applying for an sar will redress any inaccuracy

in the way you think.

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The sar would give a complete breakdown of any correspondances you have had with equifax and also any action taken by equifax also the basic £2 only shows what is the end product. The sar will or should show exactly what else there is on the reports. If there were no other things then why has this agency got a sar compliance dept ?

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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If there were no other things then why has this agency got a S.A.R - (Subject Access Request) compliance dept ?

 

 

Errm, because the Law requires them to be set up to handle those requests?

 

Simply issuing an SA R will not give you ANY more ammo. Read your credit report. If it is incorrect write to them demanding that they correct it, citing the Data Protection Act which requires them to process your data in particular ways; one of which is "accurately".

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There must be other information about which does not show on a standard credit file !!!!

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

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Yes there may well be; let us know what it is when you get it - because your credit file contains everything I can think of, right down to underpant size! All I can think of that they would have is copies of letters etc.; but the thing which damages you is your credit reference entry so that's the information I would be concerned with correcting to be honest.

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If a banks sar shows you manual inter vention then the cra sar should also show this. As they are supplying information which they have not checked i think it could open the floodgates to other things !!!!!

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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The banks don't show manual intervention though - that is only mentioned to block any mention of what their staff might have done to increase the potential costs to them should the case proceed to court.

 

I would be extremely surprised if a SAR could throw up anything an any use here, but it's your call and I'm sure we all look forward to the outcome.

 

Best of luck

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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  • 3 weeks later...

Have had a reply from equifax this morning by special delivery gauranteed by 9am. approx 300 pages. shows every single department and what they have on me also all the correspondance and queries i have logged with them over the last 7 years. Also what reason was given for the searches made by companies etc. more info than on the credit file. i am assuming that if everybody sent them a sar and adjusts it then the cra will be swamped. Also i can see several incorrect details. Which i am now going to write and have put right. If not then i will do them for non compliance.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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BC, you have certainly left me with egg on my face, as I never expected

that you would get virtually anything more than you would have had you

sent the customary £2. I have never had any correspondence with CRAs

but it does seem that you got more than even you expected. Well done.

 

Now that you have had time to digest the results have any companies that

have carried out searches not had your permission to search, or their reason

for the search was dubious or unwarranted?

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BC I KNEW what you meant so it's intersting to see that your suspicions are correct. Let's not forget the fact that CRAs have zilch legal right to collect and keep your information.

I am seriously thinking of sending a S10 DPA notice to all three and just tell them to stop processing my personal data. Not only am I in serious conflict with 3 companies named on mine I have had some very strange and inaccurate info posted including a mobile phone I allegedly had for two days and whilst there is nothing adverse in the info it is just incorrect I never had this phone. I am going to SAR just one of the three and see what that throws up for starters. Good move BC.

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ok you gave them the right to share it for that peticular thing ie bank account credit etc but do they then have have the right forever and a day or can you revoke the right after the fact

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You don't give your permission to process your personal data in perpetuity. Also, a lot of these so called agreements are quite often just an application form and when you sign that, you usually only agree to them making enquiries in relation to the application and to prevent fraud.

 

Also if the S85 movement elsewhere on this board is correct when the credit card company last reissued a new card they failed to enter into a new agreement and therefore they have to repeat ZILCH authoirty to process your personal data and if S85 holds up should not be taking payments and charging interest.

 

Clearly there is not stock answer to this one as you will need to see your own Credit agreement and examine it in relation to this.

If you decide to serve a s10 notice (Data Protection Act) then you can stop all this but as has been rightly pointed out this may mean you have NO credit history for future loans even though most banks, bs etc use a point scoring system and the CRA info is possibly a small part of their decision making.

 

At the end of the day the law is there to try and protect you so use it as you think appropriate to your individual circumstances.

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BC I KNEW what you meant so it's intersting to see that your suspicions are correct. Let's not forget the fact that CRAs have zilch legal right to collect and keep your information.

I am seriously thinking of sending a S10 Data Protection Act notice to all three and just tell them to stop processing my personal data. Not only am I in serious conflict with 3 companies named on mine I have had some very strange and inaccurate info posted including a mobile phone I allegedly had for two days and whilst there is nothing adverse in the info it is just incorrect I never had this phone. I am going to S.A.R - (Subject Access Request) just one of the three and see what that throws up for starters. Good move BC.

 

 

you need to cra equifax at their registered address which is i think london

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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BC, you have certainly left me with egg on my face, as I never expected

that you would get virtually anything more than you would have had you

sent the customary £2. I have never had any correspondence with CRAs

but it does seem that you got more than even you expected. Well done.

 

Now that you have had time to digest the results have any companies that

have carried out searches not had your permission to search, or their reason

for the search was dubious or unwarranted?

 

where as you and i get charged £2 for a single report that never updates with the sar you get copies of every report sent to you. you also get copies of all emails sent to all the various departments asking if they have any information on you and also tells you when information was added on and who authorised the information.

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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BailiffChaser,

Hi, its sparkie I told you you'd get more info than you see on your credit file I got over 2000 pages in my S.A.R - (Subject Access Request) to Equifax, and well worth the £10 in my opinion I got some real info from that.

 

 

 

 

 

 

:) sparkie1723

every body should fire a sar off and see what excuse the cra comeup with when everybody starts to challenge them !!!

CLICK HERE FOR A LOOK AT ALL OF MY FILES: http://s134.photobucket.com/albums/q82/bailiffchaser/

do not forget to click on my scale if i am giving you the right advice or advice is making sense click my scales otherwise others think i am not helping you.

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  • 2 months later...

Sounds like the extra £8 is well worth it, I'll get typing! :D

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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my SAR to yorkshire bank didnt return default notices or CCJ information but these are all on my credit file. Seems they didnt provide them in my SAR does anyone think I could get the defaults and CCJs removed?

 

they are all satisfied but its annoying as I cant get credit at all and have ended up with a very high interest mortage.

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