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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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Aktiv Capital & Lloyds - Date of default


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Hi all,

 

I've just received a letter from Aktiv Kapital on behalf of Lloyds TSB, demanding I repay them £600 for an old overdraft that I ran away from when I was younger and less responsible (five years ago). I'm not disputing the debt, but I do have a question. Does anyone know how this is likely to appear on my credit report? Will it be a default, and if so, will it be dated from 2002, or from today? I've really been trying to clean up my act these last few years, if I get a fresh default I'll be really depressed! :( Does anyone have any tips about settling accounts with these people? I'd rather avoid giving them my phone number.

Thanks for any advice!

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Hi IRX28,

 

You don't say if the money that they are asking for is the original debt or is it an accumulation of charges. If it is charges start the process of reclaiming these back and offset the returns aginst the debt. If you read in here, http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/.Then start the process of reclaiming these unlawful charges.

 

As for the default the bank templates letter demands that these be removed,http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Good reading.

If my asvice helps please tip the scales bottom left.

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Thanks for the tips! Can I reclaim the charges if the debt has gone to Aktiv? And I'm a little concerned that too much quibble will turn them nasty, which is what they want, I'm sure.

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