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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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Egg debt and Moorcroft


Lilythepink
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this started about a phone call...

 

how about scanning it up...

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think it must be the other person, as I haven't been in touch with RMA by phone, or have they called me. I am not all that skilled at scanning and posting, but will see what I can do.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Hi Lily are a lawyer then? I too agree a letter must be legal document. Honestly the RMA guy I talked to, was nice. I checked other websites 'moneyexpert' and found few people got same letter. My question is if they have given offer and if I take the offer in the time limit, then how they can say later that offer does not apply!!! thanks.

Edited by jason_mnm
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well ofcourse they are being nice

they want your MONEY

and they don't care if you actually OWE IT or not.

 

you seem to be confusing a fleecing DCA with some legal establishment

 

you or I could be one tomorrow!!

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

as to your other question

the debt will be marked 'Partial settlement'

 

this leaves the door open for the rest to be collected later

when sold on.

 

you have ofcourse sent them a CCA request

to check they HAVE the require documents to even demand money from you

 

let alone a discount

 

that is prob YOUR PENALTY charges

or YOUR PPI

 

that you can reclaim for free anyhow.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

I think I maybe will go back to RMA, and CCA them, and take it from there, otherwise I am just hanging onto this letter. I wouldn't contact though, you might get a whole lot of crap from them.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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you have ofc ourse checked the debt IS on your CRa file?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

urm...

a debt that old always makes me wary...

 

and it being RMA

 

cant remember how many times they've been taken over now.

 

get that CCa done

 

yet another cash cow debt me thinks.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Funny enough, Payplan contacted me today, to say that RMA must have made a mistake, and if I want to make a settlement with them they would negotiate it. Told them to forget about it, as it is RMA's mistake, and that they probably haven't even got a credit agreement.

They must get a bit of money each time they get someone to settle.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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  • 2 weeks later...

why are you ringing a fleecing DCa that only deals in lemon debts

 

to make a profit out of 'mugs' to enable their business profile

 

of sending out 100'000's nore spoof letters?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sounds like they want this off their books with some kind of resolution for some reason.

A carefully written acceptance letter should sort it out.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Same here, it seems a very strange thing to do, but will send a kind letter of thanks, before the 25/7.... strange but maybe true.

LilythePink

If you liked what I said, and if it helped in any way, please tip my scales..... thank you:)

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Brigadeer how would you word the letter, to make sure I don't get caught out.

 

Ok.

To The Compliance Manager

RMA

 

Ref: use theirs:

 

Sir/Madam,

 

I am receipt of your letter dated xx.xx.xxxx in which RMA offer to settle an alleged debt for the sum of £00.00.

 

I am prepared to accept this offer without acknowledging and debt or liability to RMA and on condition that:

 

1. Any remaining balance is not sold or assigned to any third party for collection.

2. ALL references to this account are removed from all credit reference file to which RMA has reported.

 

Written confirmation of the settling of the alleged debt for £00.00 is to be received by me within 7days.

 

Send recorded/signed for.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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thanks again, will send that off this week.

 

Happy to help.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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An update from RMA. I called again yesterday RMA and the guy said the letter was issued in error. I then told him I talked to his colleague earlier who said it is correct letter. He says my colleague has got it wrong and we will receive a letter shortly with correct settlement figure. I think they are just playing, anyway I am going to send the above letter suggested by Brig... Then will see what happens..

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An update from RMA. I called again yesterday RMA and the guy said the letter was issued in error. I then told him I talked to his colleague earlier who said it is correct letter. He says my colleague has got it wrong and we will receive a letter shortly with correct settlement figure. I think they are just playing, anyway I am going to send the above letter suggested by Brig... Then will see what happens..

 

Good idea Jason RMAs Elbow is not familiar with its Ar*se imo.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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