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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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Welcome Finance - This company needs to be banned.


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Hi everyone :)

we have spent another day trying to get answers from NU/DG regarding screen shots sent - no luck they have definitely clammed up.

Post if you do want these screen shots for your trip to Worthing - then I can e-mail them. For some reason they would not load to photobucket after scanning so I had to cut and paste to word.

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Just had another perusal at my Nu letter received today off, one presumes, a very very busy, Susan Stamp of the Technical Team. If i want to ring 01903 273632 and speak to Susan Stamp i need to contact the Technical Team, if i want to contact Susan Stamp in writing, then i have to quote Department 33.

 

Technical Team ...what do they do??

 

One can only assume she has a very big magnifying glass to read the very small print on the agreements, just to make sure all is as it should be...or not, before they will let you see it!!! That is the question??

 

Well Susan Stamp...I still have all mine, in true and original format...in tact!!!

Cant wait to see what you send me ?? If anything!!

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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ahhh good milly sending them to you - the deal about not coming and killing you in your sleep still apply milly?? lol

 

well I am still alive so quite obviously you are not a serial killer - either that or you are just biding your time :lol:

 

sending e-mail just now Post bear with me as PC takes forever and laptop on blink - my Mum just phoned and I have been trying to get her off the phone so I can do this - she knew I didn't want to speak to her and now I feel bad but she does like to rabbit on about people I don't know:)

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" The Lanes " are great Postie.

 

There are some reasonably priced cafes/restaurants there too.

 

Then you could go for a dip in the sea, buy some rock or wander up and down the pier ......;)

 

Whoops, just seen that your leg is in plaster.

 

Forget the dip and walk on the pier, just relax and have a great day in Brighton.

 

 

ive allways wanted to visit the antique quarter (THE LANES) in brighton,

 

looks like thursday a trip to worthing and then onto brighton

Edited by Voda
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" The Lanes " are great Postie.

 

There are some reasonably priced cafes/restaurants there too.

 

Then you could go for a dip in the sea, buy some rock or wander up and down the pier ......;)

 

Whoops, just seen that your leg is in plaster.

 

Forget the dip and walk on the pier, just relax and have a great day in Brighton.

 

I say go and buy the rock 1st, then hobble down to norwich welcome union, wander up and down the corridors of the warren, poke them all in the eyes with the rock and kick them in the head with your plastered leg !! :D

 

either way i think you will have a most enjoyable thursday outing!!! :lol::lol::lol:

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Hi all,

Posted the other day about sending CCA and SAR.

Welcome sent back a letter saying they were looking into the SAR but no mention of the CCA.

In the letter they acknowledged receipt of the £11 I had sent.

I somehow doubt they will send the CCA by Monday which will be 14 days.

Do you think I should tell them now about the CCA or just hang on til the weekend.

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Funny the Director of compliance at DG has shut down on me to - I think they're under instruction to shut up - too late though I already got all the information I needed - if anyone else is interested in the direct email for the director of DG let me know - since they're no use to me anymore I might as well pass on the knowledge :)

 

hi andie, wouldnt mind that info myself.

 

thanks

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Hi all,

Posted the other day about sending CCA and SAR.

Welcome sent back a letter saying they were looking into the SAR but no mention of the CCA.

In the letter they acknowledged receipt of the £11 I had sent.

I somehow doubt they will send the CCA by Monday which will be 14 days.

Do you think I should tell them now about the CCA or just hang on til the weekend.

 

leave them to it. see what turns up before monday

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has anyone got a template letter to send after you haven't received a cca request,please

 

Re:− Account/Reference

You have failed to respond to my legal request to supply me a true, signed copy of the original Consumer Credit Agreement for the above account.

 

On xx/xx/xx I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on 17/12/2008.

 

The document that you are obliged to send me is a true copy of the signed, executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your clients company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a signed credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

 

 

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just came across this on the cattles investor boards,

just take with a pinch of salt for the moment

 

Sections of cattles are going to close i have this news from a top insider.

 

LMB (local management branch) will close

RAB (regional asset branch) will close

WCF will be sold or closed

shop a chq will be sold

2000 more redundancies

down scaling of 50 or so WFS branches.

 

They can not use attachment of earnings anymore as from a week ago due to the cost and the back log of the process this is a fact

 

this will be happening in the coming weeks.

 

Cattles will survive but its back to basics

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Well if RBS are laying off staff, what chance have Welcome Finance got.

 

I was supposed to be called on Tuesday at around 10.00 a.m by my branch.

 

No call naturally......:mad:

 

I have NEVER in all my life dealt with such an inept organisation.

 

They deserve everything that is coming to them, I am afraid.

 

No actually I am pleased.

 

Happy Easter everyone .....:)

 

PS. Post I saw this too:

 

http://www.iii.co.uk/investment/detail?code=cotn:CTT.L&display=discussion&it=le

 

just came across this on the cattles investor boards,

just take with a pinch of salt for the moment

 

Sections of cattles are going to close i have this news from a top insider.

 

LMB (local management branch) will close

RAB (regional asset branch) will close

WCF will be sold or closed

shop a chq will be sold

2000 more redundancies

down scaling of 50 or so WFS branches.

 

They can not use attachment of earnings anymore as from a week ago due to the cost and the back log of the process this is a fact

 

this will be happening in the coming weeks.

 

Cattles will survive but its back to basics

Edited by Voda
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just came across this on the cattles investor boards,

just take with a pinch of salt for the moment

 

Sections of cattles are going to close i have this news from a top insider.

 

LMB (local management branch) will close

RAB (regional asset branch) will close

WCF will be sold or closed

shop a chq will be sold

2000 more redundancies

down scaling of 50 or so WFS branches.

 

They can not use attachment of earnings anymore as from a week ago due to the cost and the back log of the process this is a fact

 

this will be happening in the coming weeks.

 

Cattles will survive but its back to basics

 

Absolutely right to take with a pinch of salt.......but what a great thing to happen if it is true....... i will take great pleasure in sitting outside the local branch heckling and laughing at them as they trapes away with there heads down, with no job, with no future, possability of there mortgages defaulting...... i need to calm down im getting excited

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