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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Hi,

 

I have started making payments to the parasites at Mackenzie Hall. They demanded the full amount (few grand), I told them that was not possible, and went ahead with payments of a couple of hundred a month. All this was explained in a letter I sent them. They still pester me with final demand notices, but I just put those on the pile. What bothers me is that the figure on the final demands seems to indicate they're charging me about £100 a month. I'm not sure, as they just give the one figure. No break down. In my letter to them (previously mentioned) I requested they halt interest.

 

Is this normal? Probably. What can I do about it?

 

Thanks for the great site. I got a lot of useful advice on my original posting.

 

Paul

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Bring Up My Post - moves your thread nearer the top of the forum as it thinks it has a 'new post'; used to attract attention if a thread needs an answer but hasn't been responded to; makes it more likely people will see it and respond.

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Click the scales if I've been useful! :)

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Hi,

 

I have started making payments to the parasites at Mackenzie Hall. They demanded the full amount (few grand), I told them that was not possible, and went ahead with payments of a couple of hundred a month. All this was explained in a letter I sent them. They still pester me with final demand notices, but I just put those on the pile. What bothers me is that the figure on the final demands seems to indicate they're charging me about £100 a month. I'm not sure, as they just give the one figure. No break down. In my letter to them (previously mentioned) I requested they halt interest.

 

Is this normal? Probably. What can I do about it?

 

Thanks for the great site. I got a lot of useful advice on my original posting.

 

Paul

Do MH own the debt or are they acting as collecting agents for someone ?

Just hate every DCA out there

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And as to what you can do about it:

 

You can send them a Subject Access Request under the Data Protection Act (£10 cheque/PO fee required, you'll need to modify the template to your circumstances as this one is designed for banks), which will entitle you to every single piece of information they have on you and relating to your account; this includes a breakdown of how they have arrived at their various figures. Send Special Delivery. They have 40 days from receipt to comply. Alternatively, if MH say they own the debt, send them a CCA request (£1 cheque/PO fee required). They must be able to produce a properly executed agreement to enforce the debt; if they don't within 12 days of receipt the debt becomes unenforceable; a month after that, if they are still trying, then they have committed an offence. Read up about the CCA on these forums, as it's not my special area.

 

See, BUMP works ;)

 

 

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  • Haha 1

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Click the scales if I've been useful! :)

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>bump!

 

meaning?

 

Post was dropping down the list without a reply, "bumping it" just means it goes back to the top and has a better chance of a response.

 

edit: Just seen demon's post, that too!

 

Regards, Dave.

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This all looks great. Thanks for the help... About the bump - I thought it meant something along the lines of 'get this idiot off the forum'!!

 

I will take care of all this, this weekend. All MH seem capable of is firing out auto generated letters.

 

I will post what happen re: their response, in case it helps anyone else.

 

Thanks for the help, links and the bump!

Have a good weekend,

Paul

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Bit of advice about Mh Paul - put everything in writing and don't phone them (unless you like being shouted at).

 

Do you know how long ago the debt was for?

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Do MH own the debt or are they acting as collecting agents for someone ?

 

Student Loans passed on the debt. I'm not sure about ownership. I'll send off the template letter and get some answers. I was out of the country and wasn't aware that the debt had been passed on. MH just keep telling me the debt is overdue and the full amount is required. Glorified telesales.

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Bit of advice about Mh Paul - put everything in writing and don't phone them (unless you like being shouted at).

 

Do you know how long ago the debt was for?

 

Too true. I followed the advice of this page and sent them a 'stop calling' letter. That seemed to work. The debt is not stat. barred. Close but no cigar.

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That's MH for you - I personally wouldn't pay them a penny until they prove they have a right to collect the debt.

 

Sorry to sound harsh, but if you look around the site, these people have made life difficult for a lot of people and I don't like to see them get an easy time of it.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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Hi Pmoney/tiglet ect.

 

I may be totally wrong here but something is nagging in the back of my mind that student loans fall under some sort of different rules with regards to CCA, stat barring ect ect. The far more well versed people on this site will confirm or deny this but in the mean time i'll have a trawl round for you and see what is said about it all.

 

A quick update, from what i've seen on a quick search, a student loan pre 1998 is subject to CCA1974. Post 1998 they're not. Hopefully more knowledgeable people than me will come along and help you out.

If you can read this, thank a teacher.

If you can read it in english thank a soldier.

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