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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.

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      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.
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      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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Connaught Collections v Me


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Decided to start this thread as a continuation of this one.

 

Still waiting for Connaught to send the required documents. They default tomorrow. Meanwhile we have continued to pay them by standing order. As we've set up the order a bit too close for the date they are expecting the monthly payment we have received a letter today, sying that our accountis in arrears - cheeky aren't they!

They have also conveniently provided us with a self-addressed prepaid envelope to put the cheque for the amount in! :roll:

If they are doing this now because of couple of days delay they will probably get a fit if they default and discover that next month there is no payment at all.

Fingers crossed no documents turn up tomorrow ... or 30 days after tomorrow.;)

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  • 4 weeks later...

UPDATE

 

Got a letter from Connaught Colections today, reminding me that 'my current repayment plan is in arrears' and that I 'ensure that your plan is brought into line within the next five days' .

 

Needless to say they have defaulted on the CCA request on 30th March and will be committing offence on 30th April if they don't come up with the documents I've requested :rolleyes:

 

Isn't it against the law to try and collect on a debt for which they have defaulted?

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Yes, thank you - did the search and every thread regarding Conaught Colections starts with the fact they have sent a Statutory Demand, so I will now assume it is a scare tactic (although my heart missed a beat there!). All the payments have been stopped after they have defaulted - we've been making regular payments before that.

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So in a word that SD they have sent does not constitute abuse of process and there isn't an institution I can file a formal complaint with?

 

To tell you the truth I am SO fed up with them (DCAs) and their abusive methods! If Connaught and Cabot commit offence tomorrow I'm so not letting this die - I will file formal complaints with EVERY possible government body and regulatory institution there is in UK!

 

Sorry for the dramatic statement but I'm really tired of all this.

 

*gets off the soapbox (as Vampyra said in one thread)

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I agree SDs are serious but served and executed properly SDs are - I have every reason to believe this particular one isn't. They can send as many documents as they want but until they can actually prove that there is a debt by supplying me with properly executed credit agreement they can't do much. Otherwise what would their defense be if they take us to court - We can't prove there is a debt your Honour but we promise you this person owes us money... Also, I have the sneaking suspicion that they were actually trying to collect on a statute barred debt in the first place but I can't be 100% sure - can anybody elaborate as to what happens if DCA tries to collect on a statue barred debt?

 

Also - nothing from them today and it was their last day to comply with the CCA so now they have committed criminal offence and I am preparing formal complaints against them to Trade Standards and Office of Fair Trading.

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You are not the only one that made payments to them before actually starting to get around what is going on. We received their so called SD out of the blue in the name of my OH but he could not remember what loan they are talking about. Of course, as he is not aware of his rights (and I wasn't at that time), he called them and made 2 payments for £200 in total. All through that time I was thinking something is not right here - how can they just come out of the woodworks and start wanting money?! So I have decided to do some research and this is how I came accrfoss this site.

If only I knew THEN what I know NOW!

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  • 2 weeks later...

UPDATE

 

After sending them a notification letter that they have committed an offence last week, I have today received two telemessages from them.

Do I need to do anything or should I ignore them?

 

Cheers,

Sve

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