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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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      • 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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HFO services and Cabot finance


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  • 3 weeks later...
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:grin:

telling me that due to high demand there i an 8 week delay...lol

 

I wonder why there is such a high demand:rolleyes:

 

Oh dear they will be 35 days into committing a criminal offence when they eventuallly get it. I wonder if they know any GOOD solicitors:grin: :grin:

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  • 1 month later...

They are all talking BS. They have no CCA so cannot enforce a debt. Write to them and demand a copy of their complaints procedure. Report HFO for harrasment and breaches of the telecommunications act. Get choose to refuse on your phone it really pees them off

  • Haha 1

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thx... :D thats very helpful...

I spoken to BT about the phones calls and from monday i've having a new ex-dir number....

That will pee them off big style. These Bullies will NEVER commit their threats to paper. They love bullying on the phone. DO NOT put your new telephone number on anythin eg guarantees emails etc. Just give it to friends and family. Well done.. Bet you feel good now. NO MORE CALLS FROM THE IMBECILES

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Hi,

 

 

I changed my phone number just before Christmas last year.

 

So far I've not heard a peep from anybody!!!:):):)

 

 

Jeff.

Do you not miss your daily threat?????

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It seems that these 'people' search land registry records at will to see where they can try and make a quick buck. Can you scan a copy of the A4 letter and let the experts on here see how many guidelines it breaks (Dont forget to delete pesonal info)

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  • 2 weeks later...
  • 2 weeks later...

Do Barclaycard not have an address for you.

 

Are you allowed tor receive personal mail to work. If so use that adress to CCA them from. Also send telephone harrassment letter to the solicitors. You will find its really just HFO under another guise

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  • 3 weeks later...

Firstly NEVER speak to these Muppets on the phone. If they ring you up hang up. They are bullies.

Secondly they have NO LEGAL powers to visit you at your home except with your permission. If in the unlikely event they do appear at your doorstep ask them to leave. You can decide how rude or polite you want to be in this request. Do not listen to any mumbo jumbo bullsh!t they may tell you. If they refuse to leave telephone your local police and report a breach of the peace.

 

I would suggest you start a thread of your own about these bully boys and we will soon give you the help and advice that you need. Just remember the law is their to protct you. There are plenty of legal ways to deal with **** like this.

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its ok if they are not round by 10am i am gonna phone them up and verbally abuse them done the phone and we will see how they like it. LOL

Dont lower yourself to their level. Use the law.

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  • 1 month later...
hi,

 

i sent HFO 2 CCA request forms, they deny getting the first one but the second one was received and they called me to say that they was taking the £1 off of my total balance. They literally just ignored it, now what????

 

Thanks

 

ah! after another phone call they have deceided to put the CCA request forward, in 8 weeks i will received the documents ( i thought they had to have it done within 31 days ).

What they chose to do with the pound is irrelevant. You have made a LAWFUL REQUEST. They have accepted your quid so the clock starts ticking.8weeks is just their usual bullsh!t. The time scales appy to them as everyone else.

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  • 1 month later...
I dont know if any of you red my post on A HFO agent from South Africa Leaving a message on my phone answering service Threatening me with baliffs and them taking Goods of 5 times the value of my alleged Debt 0f £500 on a Barclay card I had ppp in place and by the time they decided to pay on the ppp interest rose to a further £548 I refused to pay and for 2 years they harrassed me untill this Guy leaving the message on my Phone I am a musician an have a small studio oin the house I recorded the message and sent it to the MD @ Barclay Headoffice and also to themselfs and TS ,Barclay replied almost By return and said they were shocked at the content of the phone call and recalled the debt from them and decided to cancel out the So called debt I did say in the letter to them iwas going to sue under the Data protection act been broken ,It is a happy ending so far .The first thing i done was to ring HFO for the name of their MD I was asked why i want his name and i Replied i was about to sue him and needed a Name It felt good for the shoe to be on the other foot,I hope some of you can resolve your problems with them also ,Pancho
Excellent result. Just shows the power of recording all their threats. The original Creditor is responsible for the actions of these thugs who are acting as their collection agents,

 

RUTHLESS, CLOWNELLS, RWC AND RMA/NCO PLEASE TAKE NOTE:D

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  • 2 weeks later...
Please Help!!!

 

I have stumbled across this forum and i am in a dispute with HFO.

 

They have purchased a debt i owe to monument 2 years ago but have never sent proof.

i am in an arangement with monument and continue to send my monthly payment to monument.

last two letters (they dont have my phone number) i have recieved from HFO are confirmation of a monthly instalment plan dated 3 august

and letter of default dated 6 september recieved 22 september.

when i phoned HFO to find out meaning of default letter i was refered to Turnbull rutherford solicitors.

spoke to lady called diana nelson who said she would look into it and come back to me via mobile number i gave her. No response until court claim from wandsworth court from same diana nelson dated 27/09/07.

phoned diana nelson who said i had called her too late to stop court claim but just send back acceptance of the debt while she looked into problem.

I havent done this but i only have till monday to reply to court papers.

 

Please help.

Thank you.

Its time to send turnbullsh!t ratherbored a CCA.

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  • 1 month later...
yes i have read them, it just cant believe what we are hearing! we are due to get a call back on monday and they have asked for atleast a token payment of around £400! which we obvisouly havent got and they also said for us to defer are mortgage payments for 3 months in order to pay them!! we are already dealing with all clear finance who pay are creditors and have been paying off our morgan stanley credit card and they froze interest on it, now hfo are saying that they will not accept this payment and they dont deal with third parties..this isnt legal is it?

we were told that they should do, they also said that they are not a debt company?!? really?...the website said that they are.

what would are first steps in this case? should we speak to them on the phone?

NEVER SPEAK TO THEM ON THE PHONE

What they are telling you to do is a complete and utter breach of OFT Guidelines on the collection of debt. Have a read

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

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A CCA request is a formal request to a DCA requesting that they supply you with a copy of the credit agreement you signed. They have 12 working days to produce it. Send the letter N from the link below. Send it recorded delivery with a £1 postal order. Do not sign the letter and remember to write at the top of it I DO NOT ACKNOWLEDGE ANY DEBT TO YOU OR ANY COMPANY YOU PURPORT TO REPRESENT

 

http://www.consumeractiongroup.co.uk/forum/show-post/post-162367.html

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If the cannot supply it within 12 working days THEY are in default and a debtor can legally refuse to pay. If they still have not produced a properly executed agreement containg all the prescribed terms after another calendar month they commit a Summary Offence and should be reported to TS if they make any more demands for money

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  • 2 weeks later...

Gem I take it that you know that in the highy unlikely event these two doorstep morons do arrive that they ha NO LEGAL power whatsoever and that if they fail to leave at your request you can involve the boys in blue

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