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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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Wescot/RBofS.....Oh Dear!!


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Response from RW&C already, "we note your threats of litigation and reserve the right to produce this letter in court"! So that obviously wasn't very scary then?!!

Perhaps because they are a DCA and not a bank they don't understand the seriousness of their position. You may wish to cc the letter to the OC.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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One question though.......how did you get them to actually respond.

What address are you writing to Josie?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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What address are you writing to Josie?

 

Original CCA & SAR Request & default notice went to:

 

Royal Bank of Scotland Plc

36 St Andrew Square

Edinburgh

EH2 2YE

 

Letter sent today went to answering their letter over bank charges and teling me they considered it end of matter & to go to Ombudsman

 

 

Royal Bank of Scotland Plc

Cards Customer Services,

Customer Contact Centre,

PO Box 5747

Southend - on -Sea

Essex

SS1 9AJ

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Bank charges I have had a full offer made but no removal of default so haven't accepted. The address for bank charges was:

 

The Royal Bank of Scotland plc

Customer Relations Unit

Retail Support

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

 

Letters for Credit Card relating to this thread were:

 

Miss H Bennett

Account Manager

The Royal Bank of Scotland plc

Cards Customer Services

PO Box 6050

Southend on Sea

SS99 1WL

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Thanks Rory

Edited by Josie8

You may receive different advice to your query as people have different experiences and opinions. Please use your own judgement in deciding whose advice to take.

 

If in doubt seek advice from a qualified insured professional. Any advice I have offered you is done so on an informal basis, without prejudice or liability.

 

If you think I have been helpful PLEASE click the scales

 

court bundles for dummies

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Hi Rory, thought it was only respectful, after all your so cool and calm responses and help, that I should subscribe:)

Way to go mate, and all the best:p

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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  • 4 weeks later...

Good result, Rory. No stressing out on this thread!! :D

I'm midway through the tunnel, but getting closer to the light.

 

 

 

Please be aware that i am not an expert in anything!

I may offer an opinion, but the final decision is yours.

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hi rory,

 

i guess i'm 1 for 10 now then! great thread, love how fast they caved after you used the AML angle! Are you going to pursue them/cra to remove the default notice/s?

 

 

 

kind regards,

shane

 

ps any other threads you can recommend would be greatly appreciated

____________________________________________

All advice is offered freely & without prejudice

 

 

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I'll get around to the default removal eventually Shane. At the moment it's not that big a priority.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Hi Everyone,

 

I have an account with Wescot, that I have an arrangement on.

 

To check my understanding, I should write to them under the CCA requesting the original signed copy from HFC to prove the debt.

 

My question is that whilst I have been making payments to them for over 12 mths, if they cannot(and HFC) provide the documentary evidence, within the time frames required under Law, I am able to stop such payments and refuse to acknowledge this debt?

 

All advice is welcome and thanks in advance.

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you should continue paying westcott until such time you should write to them under the CCA requesting the original signed copy from HFC to prove the debt.as they are .the ones who say you .origionally owed the alledged debt too ,then whilst you wait to receive the information you requested write to westcott for a stay in their collections if you find the origional debts consists of overcharging and eronious charges then you can and should remind them you are now in dispute with the origional creditor and inform them that due to this you are now about to cease payments to them (wesctot)alternatively if you have given the origional creditors time to respond and they have failed then write once more pointing out their mistakes and you are now applying for an action to be taken against them for falure to provide the details you need then write to wescot and inform them the bill is now in dispute and no more money shall pass to them until you have satisfaction,and remind westcott not to persue this matter any further due to legal action against the origional creditor

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Hi Everyone,

 

I have an account with Wescot, that I have an arrangement on.

 

To check my understanding, I should write to them under the CCA requesting the original signed copy from HFC to prove the debt.

 

My question is that whilst I have been making payments to them for over 12 mths, if they cannot(and HFC) provide the documentary evidence, within the time frames required under Law, I am able to stop such payments and refuse to acknowledge this debt?

 

All advice is welcome and thanks in advance.

 

thats right, send them a CCA request, see library for template letters and make sure you send it recorded delivery. If they do not send you a response within 12 days of receiving your request they are in default and cannot enforce the debt at all, ie chase you for payment, add interest, charges etc. if this carries on for a month they commit a criminal offence.

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

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Also start your own thread on this Nadeem.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Please feel free to pinch whatever you like.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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