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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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A national day of anti DCA action!


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FAO unmoderatethenet.

 

Cagger since : May 2008 I am in: You call it England, We call it Cesspit

 

Please edit your signature box the above is unacceptable and is not within the terms and conditions of the Consumer Action Group. It is also very offensive to a lot of the members of this site.

Edited by alanalana
added text

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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We really do need to change gear guys, the 24th is fast approaching!

 

Which DCA's are we going to target first?

 

And hopefully, you are all going to bombard the OFT and Gareth Thomas @ BERR as well.

 

Lastly, it has been suggested that, it would be a good idea to advise the media about the Campaign.

 

AC

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Just about to mention that issue, ie without media attention, many people won't even know you are doing that or what it is about.

Have you advised other forums on the interweb on what you are doing and why you are doing it?(I know one other forum has been told cos I spotted it earlier today ;) ).

What they are complaining about and how to complain about it?

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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FAO unmoderatethenet.

 

 

 

Please edit your signature box the above is unacceptable and is not within the terms and conditions of the Consumer Action Group. It is also very offensive to a lot of the members of this site.

 

Bet he or she is Scottish(love the rivalry which is why the Romans built a wall---to keep em out :D ).

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Not to get shot at again for suggesting that folk have erred - but gareth thomas and berr have gone. It is something else and someone else now.

 

Good luck with this and I hope my earlier concerns do not materialise. I will drop the OFT and local MP an email.

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hell yeah!! but credit solutions is mine ok!! please can you send out a reminder as have so much on my plate right now am bound to forget. will you also provide contact details too please ie numbers, anything that will help.

 

has anyone here actually gone to court over these unpaid settlements?

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Not to get shot at again for suggesting that folk have erred - but gareth thomas and berr have gone. It is something else and someone else now.

 

Good luck with this and I hope my earlier concerns do not materialise. I will drop the OFT and local MP an email.

 

Quite Right!

shuffle, shuffle...

BERR has been replaced the Department for Business Innovation & Skills;

BIS.

 

looks like we will have to complain to MANDY now!!!

 

Ministerial Team - BERR

 

Telephone us on:

 

Call us on: 020 7215 5000

 

or 020 7215 6740 (Minicom)

 

Fax us on: 020 7215 0105

 

email us: enquiries@bis.gsi.gov.uk

 

 

 

Write to us at:

 

Ministerial Correspondence Unit

Department for Business, Innovation & Skills

1 Victoria Street

London SW1H 0ET

 

 

AC

Edited by angry cat
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FAO unmoderatethenet.

 

 

 

Please edit your signature box the above is unacceptable and is not within the terms and conditions of the Consumer Action Group. It is also very offensive to a lot of the members of this site.

 

I can see how this could be deemed offensive to cesspits up and down the country being compared, consider it changed.

 

Focusing on the protest, as stated we have less than a week left, social networking sites are the way forward.

 

Email everyone you know the chances are someone has been affected by a DCA and wants to contribute to the cause

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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Hmmmm... something tells me that many wont be so keen to let the whole world know they have had a dca in their lives. It's a bit like admitting having an std.

 

this is the type of stigma that these DCA rely on:mad:

 

folks who are embarrassed by past mistakes,

 

or the ones that have actually payed debts that were not theirs.

 

fear of others knowing, the shame of being dragged into court.

 

so they pay up,or worry their selves sick if they just cannot.

 

change of circumstances,falling into arrears,for what ever reason is a fact of life.

 

nobody should be afraid to admit to having issues with a dca.

 

name them,shame them,and above all try to put a stop to their underhand practices.

 

before we have more suicides.

 

SAM:pLOWELL DETESTER

 

 

 

SAM:pLOWELL DETESTER

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Totally agree Sam!

 

Personally speaking, I certainly do not feel ashamed or, embarassed.

More like bluddy furious at the Banks, who have passed the buck by selling my accounts to DCA's; accounts that were, still are in dispute.

 

If my PPI had not failed, I would not be in the position that I am in now...

being pursued by DCA's who know nothing of what has gone on before the accounts were passed over to them.

 

AC

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is this still going ahead ?

 

All my letters are in the envelopes with CAG Stickers on ready to go, ive also got a number of draft emails ready to be sent from my CAG Email !

 

Is it best to send tomorrow via recorded delivery or first thing Tuesday morning ? ? ?

The retailers worst nightmare !

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I wrote 9 complaints to 7 different DCA's last night and sent them out by second class post this morning. I headed each letter Formal Complaint and gave each DCA 10 working days to reply with a copy of their complaints procedure. It's a start.

 

If i don't get any reply's then i will be complaining by email and reporting them to the OFT.

:cool::cool: Blondmusic :cool::cool:
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Okay this is interesting my friend has the following to say and I quote 'Okay so were not at the hiring Temps stage to cover workload but two of my bosses are really not happy at the possible increased strain on Corry (Correspondence).'

 

Just remember replying to letters is no longer cost effective, scary letters and replies to CCA requests just cost money with nothing coming in. If one DCA is clearly not happy about this and others will def. remember the 24th June, if you you've not already done so please contribute and lets make this a success and follow up with other planned coordinated action.

 

Thanks Cagger's

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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My petition was accepted! Here is the link to it.

 

Petition to: state that only the original creditor can place a negative marker on your credit file. | Number10.gov.uk

 

Got a few signatures already from CAGGERS, obviously need some more.

 

I also made three telephone calls...

 

One to Cap1 where I kept asking what had happened to my pizza....

One to Westcot where I asked them to stop phoning me - without giving my phone number as I now didn't have one due to poverty...

One to Moorcroft also asking what had happened to my pizza

 

All made from a mobile phone with a one time SIM card

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