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    • Do you want to shake your groove thing but don’t know any steps? Even dad dancing beyond you? Then order ‘Dancing with The Don’ and let Felon Trump teach you all the 'hottest moves Starring classic moves like: whackamole a child, flossing your nostrils, shaking the cell bars, and pointy pointing    
    • Thank you. Please will you repost your images in one single multipage PDF file – the right way round et cetera.  
    • And just to reiterate – I'm sorry if the message above sounds a bit harsh. We have to get the message out to other people who visit this thread as well. I realise that you are having a difficult time and we will do our best to help you, of course
    • The last photo shows the overflow carpark looking at the block which our room was located. When we got out of the car my partner thought that the building was for staff accommodation.  The unsecured bedroom window opened onto this car park.
    • Also I see that you are doing a lot of this on the telephone – and without any written confirmation. This is a big mistake. You need to start taking this matter seriously and so everything should go in writing. If you have telephone calls then they should normally be recorded. Read our customer services guide. You should make notes about every telephone call and then you should send an email to your telephone correspondence confirming what they have said or what they have agreed. It is important that you keep detailed paper trails here. Of course we may be jumping the gun and maybe big motoring world will step up to the mark – but I'm afraid that they have a lousy reputation has you have seen and so you need to start practising survival techniques and protecting yourself. You say for instance in your letter of rejection that the mechanic told you on the telephone that the gearbox needed replacing. Do you have any other evidence of this conversation? This is going to sound a bit harsh – but other people will be visiting this thread as well for their own purposes. You conducted their research about this company before you bought the vehicle. You now are fully aware that this is a company which can be very difficult to deal with and causes a lot of problems for many of their customers and yet you are still taking a telephone/verbal approach. Do I need to say any more? Also one of the documents you put up is an email exchange but it is not clear who is writing to who or what dates. If you showed this email to somebody in a pub they would be asking lots of questions about who sent the first message, who sent the second message, what dates were they sent et cetera. Please think about this before you post things. Please can you clarify the details of that email exchange. Please will you present the information carefully. We are all volunteers here and we have to rely on you to do the spadework
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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 
        • 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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capital one lost payment, credit report mark


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hey everyone! been a while since i was in here asking questions but i have a little issue with capital one. basically back in 2004 i had a card with them wich had approx £250balance on there. i decided to pay this off and made a couple of payments of £20 and a final payment of £210. during this 3 month period, the card was lost and replaced.

 

now due to the card been replace cap one lost my payment of £200. i duly rang them and was told itwould be looked into and sorted. which it was. however a couple of ears later after becoming more fianancially aware of things i get a copy of my credit reports and find that cap one have marked this against me and never removed it. basically after numerous times requesting removal from my report. these missed payments still exist on there!

 

can i threaten them with a claim for deformation of character? this will cause me financial loss, as i am looking for a loan soon and cannot get headline rates due to this discrepancy. any ideas?:|:|

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No - the information is not deemed 'public' so there is no defamation. If they will not remove their error, try complaing to the CRA. If this fails, take it up with the Information Commissioner.

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The CRA will tell you to contact Cap1 and probably add a note to the adverse information whilst you try to resolve the problem. You can raise an action against Cap1 for this if they dont resolve what looks like a clear case of incorrect information on your file.

Would be best to solve this with Cap 1 do you have any correspondance form them on this subject?

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Any action raised would be basically along the lines of the claimant asserts that the default notice amounted to a material breach of the fourth Principle of The Data Protection Act 1998:

4. Personal data shall be accurate and, where necessary, kept up to date.

The claimant commenced proceeding against the defendant under the Data Protection Act 1998 for the removal of the default notice, or in the alternative, payment of compensation as permitted by section 13 of The Data Protection Act, to cover the claimants loss in respect of him losing the ability to obtain cheaper credit than he would otherwise be able to.

 

 

As you say this would cost you more to obtain credit.

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Sorry, I disagree entirely. There is no scope for action with a reasonable chance of success. Sure, personal data must be accurate, but the decision as to what is and isn't is left to interpretation. As such, this is a job for the ICO to enforce, not the private individual.

 

As to the higher costs of obtaining gredit, to satisfy a court this would require to be quantified and supported. Now how easy is that going to be? We have to be realistic here.

 

If Capital One do not respons to the CRA's enquiry, the adverse information is removed. If they say it is correct, THEN you can call on them to substantiate it. The so-called 'notice of correction' has very limited use and should never be seen as a useful resolution.

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Sorry, I disagree entirely.

 

Well theres a surprise, lol.

 

Ok i know of several people who have successfully had defaults removed using this where there is clearly wrong information being held on that person so i cant really see where your coming from Buzby as it is quite clear in its entireity and has held up in court the latest of which was only 4 weeks ago.

 

Regards

George

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What kind of 'default'?

Who removed the data?

What court track?

What was the action for?

 

I'm afraid we've all heard of apocryphal stories that 'happened to a mate' but they don't stand up under close scrutiny. So, do tell, what did happen 4 weeks ago, by whom and for what - that supports your view?

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