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    • Received the claimants Directions Questionnaire today.  Haven't had anything else through. N180_Redacted.pdf
    • Hi team, I should of really walked away when they said the vehicle had no v5 and I would have to complete v62. They only disclosed v62 form after all documents for finance was signed. However, I needed a vehicle as I was the only driver in my household and my sister was extremly ill and I had to take her to hospital appointments. I purchased a vehicle from big motoring world on the 31/06/24. After driving away the vehicle the very same day I could hear a very distinctive water sloshing noise come from the interior. I then decided to take the vehicle back to branch 15 mins after driving away. The manager came for a ride and said he could hear something but this issue was ‘minor’ and it was my psychologial thinking that made the issue even worse. Manager was very rude. I then took the vehicle home knowing full well it would give me nothing but grief. A day after the rear left tyre started losing air. I know they could say this was probably due to the driver however I believe the issue was present before purchasing vehicle. I called up Audi and my finance company and explained situation. Audi could accomodate me for the 13th for a diagnostic. Finance company told me to take to an independant garage and not BMW. Motonovo been helpful in this situation.  I took vehicle to Audi for a diagnostic. Unfortunantly, they done an Audicam and the technician somewhat resolved the issue without guidance from myself. No charge was applicable as this was a health check. However, I wanted the diagnostic. The car still has water inside. Audi are saying this is a common fault. However, I have no confidence in the vehicle. I have emailed bigassist with all my findings and commanded them to collect the vehicle. Audi shall also be sending me an email next week of the issues they discovered. This was issue pre exisitng. It is still below 30 days, can I still reject? Do i need to send a letter? I have been very direct to BMW that I no longer want the vehicle. please can we assist    
    • lies is all they have @dx to support their adoration of 'little feet'  like trump, farage and bad penny wannabe 'little feet' caligulas and neros, empty of anything worthwhile.
    • I bought my house 2 years ago. The previous owner had died. I continue to recieve parking fines and communication from DVLA in the name of the dead person, despite contacting DVLA via post to inform them I am the new owner of the property. I have sent them proof of purchase and ownership but the communications continue to arrive. Aside from using "return to sender", does anyone have any idea how to stop this and get DVLA to update their records? Not sure if relevant but the Tax class on the vehicle is disabled meaning that the price of vehicle tax is £0 per year. I assume someone is using this to get free vehicle tax which is up to them, but I'm bored of fighting with parking charge companies and getting threatening letters, as whoever is doing this is also not very good at paying for parking.
    • I haven't heard of them asking for photographic evidence in this way before – but I don't think it will really pose a problem. Have you got a history of sending parcels which were then lost and you had to claim for? When you send your letter of claim? Was the item properly declared? Was the item correctly valued? Please answer these questions and then take at least a couple of days reading very thoroughly the stories on this sub- forum. There are lots of them. Read some of the pinned topics at the top which will explain the principles and then read the stories to see other people's experience. Post up your letter of claim in PDF format so we can see what you sent.  
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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 
      • 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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walton v rbos


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i understood some of it already.

 

But the bank are confusing me with all the different stories they are coming out with i mean do they intend on claiming back this interest or are they going to write it off. Have they ever appologised to you and ammended anything you asked them to ammend before this went public?

 

They really need to have one story and stick to it.

 

Chrissi

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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i understood some of it already.

 

But the bank are confusing me with all the different stories they are coming out with i mean do they intend on claiming back this interest or are they going to write it off. Have they ever appologised to you and ammended anything you asked them to ammend before this went public?

 

They really need to have one story and stick to it.

 

Chrissi

 

The bank are in a mess from the board room down to their legal dept, this is why they are spewing out complete bull****.

 

I have asked the bank to close the falsified accounts - but they refuse.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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what a suprise they refused to do as asked.

 

well they will have few choices now wont they.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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what a suprise they refused to do as asked.

 

well they will have few choices now wont they.

 

One of their misleading statements to my MP was both accounts remain open as a vehicle to collect my £38.00 monthly payment, in which my MP responded by saying "why should two Capital and interest loan accounts remain open to collect Mr Walton's monthly payment.

 

The bank is an utter disgrace.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Thinking back to when I worked in the banks as a Financial Adviser in the early 90's, this 'moving' of debt accounts went on all the time. Although I wasn't involved in day to day banking, I did keep my ear to the ground as to what things went on.

 

I clearly remember a case of a high overdraft on one account, where the account holder was not repaying anything or was not in a position to repay it.

 

The branches were put under pressure to keep dormant overdrafts to a minimum. Branch managers were targetted on their 'net balances' of the branch . A large dormant overdraft would have an effect on the net balance of the branch and would leave the manager open to some awkwad questioning from head office.

 

At the same time, they were targetted on sales of personal loans.

 

So what do you think happened to large dormant overdrafts???

 

It was a case of branch managers killing two birds with the one stone. Net balances increased due to the 'removal' of the overdraft and the lending book increased towards their sales target.

 

All this was done as a 'paper exercise' without the knowledge of the debtor, and no consideration given to the CCA or any repercussions. If the fantasy loan wasn't repaid, then the banks went for judgement, and the poor debtor in those days who didn't know their rights were screwed.

 

The reverse also happened, where current accounts were opened and put into overdraft, and unauthorised overdrafts were increased if the branch had a good net balance figure - to cover the fact that a loan granted had not been repaid, as the manager would also be questioned about loans with 2 or more consecutive missed repayments. This would make it look like a PL granted by the manager, was continuing to be repaid every month and would not show up on any reports. The overdraft would not be questioned for some time if the branch had a good net balance figure. Again these new accounts were set up without the knowledge of the debtor. I suppose money laundering regulations have made this more difficult now? Or maybe not?

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We are aware that this has been happening but this is the 1st time we have had it confirmed by a former insider

 

Duncan would you be prepared to explain it again personally to other interested parties? If so PM me or Paul & if not perhaps you could speak to either of us in the strictest of confidence

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We are aware that this has been happening but this is the 1st time we have had it confirmed by a former insider

 

Duncan would you be prepared to explain it again personally to other interested parties? If so PM me or Paul & if not perhaps you could speak to either of us in the strictest of confidence

 

I've PMd Duncan my contact number.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Yes Paul Suggest you assure him of complete anonymity if he asks

 

Yes, i've made this clear in my PM.

 

To quote My MP "The tip of a banking ice-berg"

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Thinking back to when I worked in the banks as a Financial Adviser in the early 90's, this 'moving' of debt accounts went on all the time. Although I wasn't involved in day to day banking, I did keep my ear to the ground as to what things went on.

 

This has happened in my case, challenging personal loan agreement with Barclays and I was checking the online balance regularly - once the claim was issued, this appeared on the account transactions;

 

11/12/2007

Credit £1,770.98

TFR TO RECOVERIES C F (P)

 

I now don't know what the outstanding balance is, or what is happening with interest.

 

I may send a new S.A.R. to see exactly what is going on now.

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/110184-car2403-barclays-bank-default-4.html#post1284482

 

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This has happened in my case, challenging personal loan agreement with Barclays and I was checking the online balance regularly - once the claim was issued, this appeared on the account transactions;

 

 

 

I now don't know what the outstanding balance is, or what is happening with interest.

 

I may send a new S.A.R. to see exactly what is going on now.

 

http://www.consumeractiongroup.co.uk/forum/barclays-bank/110184-car2403-barclays-bank-default-4.html#post1284482

 

How many people are paying overdrafts and personal loans off at reduced rates going back a number of years. I have spoken with other caggers who feel they have been stitched up regarding the amount owing after making monthly payments over many years.

 

My advice is to forward a full SAR

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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I'm sure all will be revealed in the next couple of weeks (or less) & when it is it will be posted for all to see -

 

What I can say is that the alleged practises that have been uncovered don't just apply to one bank - others may also be involved - & its mind blowing - in fact had I not seen some of the evidence with my own eyes, even with what I know about the banks now, I wouldn't have believed it possible.

 

We knew something wasn't right - for example why would they need to set up internal capital & interest accounts if their intention was only to collect a defaulted debt? - Why would it be necessary to include the banks T's & C's. Don't their employees already know their T's C's?

 

Their common excuse when confronted is that's it's a big mistake & the wrong documents have been sent out - We thought it a possible device to minimise tax - but the allegations are a lot worse than that as you will all see very soon

 

In addition it's alleged that when they have used those, by now much inflated, capital & interest accounts when suing debtors their excuse is again it's all a mistake & the wrong papers where attached to the claim the debtor should ignore them etc etc

 

It's worth noting that in one such case the wrong documents excuse was only used when the well informed & educated debtor disputed the amounts & the documents being used to support the issued claim.

 

In other words everything, but only when questioned repeatedly, is a mistake - I'm sure everyone will agree that for a financial institution, such as a bank to make so many 'mistake's really is worrying - this makes us wonder how many undetected allegedly incorrect & inflated claims may have gone before

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any idea on what time guys?

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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My case is being aired on BBC Radio Sheffield between 5 and 6 tonight.

 

I think we'll see some interesting developments over the next few weeks.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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My MP has just stated on Radio Sheffield that he is to request a face to face meeting with the bank's senior management. It seems more victims have been in contact with my MP since the Guardian Article. He also took a swipe at the regulatory bodies.

 

Paul

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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My MP has just stated on Radio Sheffield that he is to request a face to face meeting with the bank's senior management. It seems more victims have been in contact with my MP since the Guardian Article. He also took a swipe at the regulatory bodies.

 

Paul

 

 

Hi,

 

 

This is getting better all the time!!!:)

 

 

Jeff.

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is there a link to the radio broadcast?

 

The one on at luch time seemed to have cut loads out.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Are u sure this came on l have just listened to the repeat of the programme and it did not mention anything.

 

They seem to be playing what was recorded on friday as they were going on about the contestants for the eurovision song contest.

 

and the antiques road show which was broadcast last night.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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