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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
      • 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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Intrium Justistia M+S loan HL Legal


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I owed Marks and Spencer £15,000 over 10 years (£22,000 now) ago,I went on a debt management plan , anyway a solicitors by the name of Geoffrey Parker Bourne bought the debt, but it was then transferred to a company call HL Legal Collections. I wrote to them last week asking for the CCA and today I received a letter back saying that they could not help but my letter was noted, but Intruim Justiatia owed the debt now. I have CCA them today anybody got any ideas how to deal with all of this

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I owed Marks and Spencer £15,000 over 10 years (£22,000 now) ago,I went on a debt management plan , anyway a solicitors by the name of Geoffrey Parker Bourne bought the debt, but it was then transferred to a company call HL Legal Collections. I wrote to them last week asking for the CCA and today I received a letter back saying that they could not help but my letter was noted, but Intruim Justiatia owed the debt now. I have CCA them today anybody got any ideas how to deal with all of this

 

So you owed 15k 10 years ago and now its 22k. have you been making any payments?

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No i have been paying £10 per month to HL for the last few months I paid Geoffrey Parker Bourne £10 per month before the debt was passed on. no one is chasing me for the debt. I just feel my debt has grown out of control since going on DMP,

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I have CCA them today anybody got any ideas how to deal with all of this

 

With IJ, the normal response to a cca request is to send it back along with your quid, saying they they don't have to provide one, go ask the original creditor.

 

This of course is utter bullsh*t.

 

If that happens, send it back with a letter pointing out that as they are trying to collect the debt, it is their duty to forward it to the original creditor. Also point out that if they fail to comply by (12+2 working days from when they originally received the CCA), you will place the account in dispute.

 

In my own (and other caggers experience) they normally give up at that point.

 

David

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ok HL sent the quid back as I CCA them first as they collect the £10, but they sent the quid back saying to write to IJ who own the debt, so I sent a CCA letter to them if I dont hear within 12 + 2 days I will dispute it.

To dispute it what do i do then

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ij sent a letter to me today to say they were requesting the agreement from Marks and Spencers so the account is on hold

 

Post up what you get back, (remove anything inc account numbers that could identify you).

 

David

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