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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
      • 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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Scary MBNA


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Hi - Ive been reading some of the posts on here regarding credit carde companies and MBNA pops up a lot.

 

I have a card with MBNA that Ive probably had for about 8years - I havnt used it for years and am dutifuly paying it every month in the meagre hope of reducing the balance to zero and closing it. Im getting nowhere

 

If I write to them and ask them to freeze the interest to give me a bit of a headstart on it - will they take this as an intention of not to pay and treat this as a black mark against me?

 

Ive never not paid them - but I am truly getting nowhere with it!

 

Ive read lots of posts about MBNA which has scared me a bit - they told one client to go sell her clothes!

Any advise would be great,

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You need to get them to sell the account, to ANYONE!!!

(Probably Wescot Credit Services.)

 

You'll get nowhere whilst the account is still with MBNA!

(And, yes! They'll advise you to sell your Mothers clothes off her back!)

((Which is completely illegal!))

 

And to do this, you need to stop paying them and maybe go down the route of either CCCS or National Debtline!

 

Don't pay them another penny!!!

 

Good luck, regards, Dave.

 

Oh my god! Is it really this bad - they are this bad to deal with. I thought any reputable company would look to help their customer and try and retain them. I dont want to stop paying them - just need a bit of a hand to make some headway, is this really the only way out?

 

If I stop paying them wont I then be blacklisted and people will start door knocking me and possibly bailiffs?

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Hiya - is just to pay the damn thing off without getting blackliswted. It just seems wrong that ive been paying this for years - ive surely paid back what and i owed - and some.

 

ok - how do i word my letter - i really dont want them sending the heavies round.

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I would firstly send them the SAR request along with your tenner to get a full list of all unlawful charges over the last six years. They might get stroppy with you but cannot lawfully refuse your request.

 

Reclaiming your charges isn't the simplest process in the world but yesterday Barclays offered me >£1600 so it can and does work!

 

Meanwhile make sure all your dealings with MBNA are in writing. Experience says if they accept a lower payment over the phone, the next month you'll be charged for not paying enough and they'll have no record of the lower offer :rolleyes:

 

And don't worry about the "heavies". The worst they can do without a court order is send debt collectors round. They're not baliffs, they've got the same legal powers as your paperboy. :)

 

Hiya - stupid question - whats a sar?

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Hi everyone - thanks for all the posts and advice. To be honest I feel scared to death - Im just a normal girl with a normal life who has got into a mess with her finances - probably like may others. I am confused by some of the advice on here - im not clever enough to take mbna on and dont understand some of the terms used on here to do this - SARS, DCA's etc

 

I just want to be able to get rid of the MBNA debt - ive been paying them for years - never missed a payment but feel ive more than paid off what i owed to them.

 

Is there anywhere on this site that someone can help do all the paperwork on your behalf and advise me what i need to write. Half of my fear is not saying the right thing in my letter and making things worse.

 

Would a solicitor of the citizens advise help me here - or would that make things worse also?

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Hi Priority One - thanks ever so much for the post - ive read it 5 times now. Its made me feel a lot better.

 

Just to get this straight - i write to MBNA requesting a copy of the original agreement - is that the first step. In this letter do I make any reference to feeling ive more than paid them back - or is that the next step.

 

You have obviously taken the time to help me out here and I really appreciate it. Could you read my other thread if you get a sec? Its on Lloyds ppi. Im in the process of sending them a letter regarding their loan protection.

 

thanks again

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  • 2 weeks later...

Hi - well, ive just called and spoken to MBNA re the interest they are charging on my card. I asked them if they could do anything about the interest rate - 20.9% - theyve lowered it to 14.9 - surely if they could do this over the phone why havnt they done this before? I aasked if they could freeze the interest - they said no - not without affecting my credit rating. They alsdo just tried to sell me a loan. I asked for copy statements - they will provide these at a cost of £2.50 per statement!

 

When I told the guy on the phone that I was paying £130 per month and only £5 was coming of the balance and that I would be paying it off til I was 80 - he laughed and then tried to sell me a loan

 

I really dont know what to do next. Can they have charged me this much interest and then lowered it so quickly with just one phone call?

 

What I would like to do is have the balance adjusted to the new rate - can I do this? If so - how?

 

 

Much of the advise I have received regarding MBNA is to over low payments - Im in reality only paying £5 per month - the other £125 is interest

thanks - a confused pixie and MBNA are scary!

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Hi - thanks for all the replies.

 

So in a nutshell what do i need to do - im writing to mbna today.

 

I dont want to stop paying them - i dont want my credit file affected - just to get rid of the debt.

 

I am going to write the following:

 

1 - provide a copy of the agreemtn

2 - advise me how much interest i have paid off in the last 9 years (thats how long ive had the card)

3 - ask them why they didnt inform me earlier that they could have reduced the interest rate

 

i dont want to take on mbna - just want to pay for what i owe asap

 

is this ok?

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  • 1 month later...
  • 1 month later...

Well Ive sent 4 letters now to mbna - all recorded delivery and got 1 reply! Nothing enclosed with the letter and not even signed by a human being - stamped with a date stamp instead. General gist of the letter - was GET LOST! Tough luck darling!

 

Any ideas what i should do now

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Ive sent 4 letters recorded delivery - all delivered as tracked on the post office website. sent a few more 1st class too.

 

i asked them:

 

for a copy of my agreement

why im paying £130 a month and only £5 is coming off the balance

i didnt enclose any money - should i have?

 

 

i dont want to stop paying them and get a black credit record - i just want to pay off what i owe and get rid of them but to be paying out 96% interest is pretty unfair. ive been paying this card for about 9 years and am getting nowhere

 

yes - i know it sounds pathetic!

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