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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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Cabot and Citifinancial


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No. Really. I am just making it up as I go along.

 

I didn't have a scooby that we had all these rights. I got a call from this lot without a notion who they were, so decided to do a Google. Surprise!!!! tBern's thread came near the top of the list. And then I found that the CCA thingy that was mentioned on every loan and credit card agreement I ever signed (didn't sign a Barclaycard agreement, just in case you're wondering Cabot) was actually there to protect ME. NOT the sharks and bottom dwelllers of the financial underworld.

 

So, it has been a rewarding experience learning as I go. And I'm sure you'll have as much fun in your questy for enlightenment. Daunting at first, but as yiou get to the top of your first hill, you will see that all the other hills are easy to climb too. There are no Everest's in your way.

 

Go gettem. ;)

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No, they can't. You are disputing the debt, Red. So don't pay them anything, and maybe just write to them to say so, and you will be deducting any interest or penalties accruing since your dispute woas brought to their attention. Evn if it does transpire that you might possibly owe them anything at all.

 

Don't panick about the true and original agreement. Make sure to go down the road of trying to find out if any of that debt was made up of claimable penalties too. And tell the DCA that you will certainly NOT be paying anything at all, let alone the whole thing within 10 days, as this debt too is in dispute. Tell them you MAY be contacting them again once the dispute has been resolved (ie you find out how much, if anything you actually owe), to further discuss clearing the account. But until that time, they WILL cease to threaten and harrass you with intimidatory letters and/or phone calls. Otherwise you will be seeking legal redress from them.

 

Make sure you repeat your assertion that you in no way acknowledge these debts.

 

Don't let the beggers bully you. But DO keep us up to date on your progress. We're all behind you now. How can they possibly scare you now that you have the CAG army supporting you. :)

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So you havn't even had a default statement? Weird indeed. Have you checked your credit records to see if there IS a default registered? If not, I don't see how it can have passed to Cabot for collection, as I'm 99.99% positive they only buy debts.

 

And if they have sold it on without you having officially defaulted... Hmmmmm.

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