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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 
      • 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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taken to court by HFC/restons... **case dismissed** now marking CRA file again


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You said they sent you an order I guess it is a consent order. What did it say? Don’t sign or send it till we have a look!

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You said they sent you an order I guess it is a consent order. What did it say? Don’t sign or send it till we have a look!

 

 

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You said they sent you an order I guess it is a consent order. What did it say? Don’t sign or send it till we have a look!

 

Its says The client has mad the decision , in view of the low value of this claim to discontinue the proceedings against me rather to proced and incure further costs. We would be greateful if i could sign and return the order by email as a matter of urgency.

 

and the form i have to fill in looks like it has come from the court its a consent order and says UPON the application of the solicitors for the Clainmant and the Defendant in person

 

IT IS ORDERED BY CONSENT THAT:-

1. The proceedings in this matter be discontinuted

2. There be no order for Costs.

 

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It looks ok for me. DonkeyB, would this mean that whatamess cant claim wasted costs ?

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Uploading documents to CAG ** Instructions **

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Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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It looks ok for me. DonkeyB, would this mean that whatamess cant claim wasted costs ?

 

Hi CitizenB,

 

I sent them a letter last week to ask them to drop the case and i would not seek any of my costs.

 

Thanks for looking over it for me i will sign and send back today phew out of my hair at last :-D

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Ok I have just called the court and quoted the case number which is showing on the consent form and it is not my case number it is someone else v HFC not good, lucky i checked, so they wont be getting it back signed today I need them to send me an ameded copy :mad2: nothing is ever straight forward.

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Greeks bearing gifts, eh?

 

You might also want to request an assurance in the order that the account will not be sold on to a third party, and that they will cease reporting it to the CRAs. I think you deserve it, because they’ve wasted more of your time.

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Greeks bearing gifts, eh?

 

You might also want to request an assurance in the order that the account will not be sold on to a third party, and that they will cease reporting it to the CRAs. I think you deserve it, because they’ve wasted more of your time.

 

Yes indeed, a consent order is made between both parties, I would e-mail Restons stating that you don't want the amounts sold on so someone else can have a crack at you and that reporting to CRA's stops.

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Hi there

 

I sent the letter asking for assurence that the account wil not be sold to a third party company once the procedings are discontinued, and they have replied to say that they are unable to to provide an assurance that the account will not be sold on as this is out of there control.

So does this mean they can sell it on and the third party company will then take me to court and i have to go through all this again? Anyone got an opinion on this?? im really confused.

 

Also they have suggested they cannot remove the defult on my credit file as at the time it was place it was correctly placed, any comment son this????:|

 

All of a sudden i don feel like such a winner :-(

Im sure they want this sorted before christmas but at this rate i wont be signing anything, what if i choose not to sign?

 

Thanks

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But it’s a consent order! These factors are all most certainly within their control! That is just a load of bow-locks. This is exactly why we suggested you ask for these assurances. If Restons claim it’s out of their control, then they should ask their client!

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Thanks DonkeyB, do you think I should write back and say that im not happy with the response and if they are unable to give me the assurence then they should speak to HFC as i am not prepared to sign the consent form without the reasurence?

 

If this does not go my way and they decide to go ahead with the trial and they lost would this debt ever be sold on? Is it allowed once taken to court if they loose? Also do they have to remove any defaults?

 

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I doubt they will consent to removing the CRA data, but I can see no good reason why they cannot ask HFC to consent to the debt not being sold on to a third party. Otherwise you have no finality in proceedings.

 

As you say, they must ask their client. That is the whole point of their being an advocate!

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This might not be a huge help Whata, but you are able to make notes on your credit report, so if Restons or HFC do not consent to removing the default info off your credit record you can make some notes so that anyone who looks at your credit report knows that this matter has been sorted to the satisfaction of both parties. Once Restons have pulled their finger out over the correction of the consent notice of course... :roll:

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Hi Whata

 

I see you have had some developments.Ok firstly for clarity you cant request the Default marker to be removed its there because the account was defaulted at some stage with the OC.

This remains in place for six years in line with ICO,s requirements.Secondly assuming you accept the consent to discontinue there is a chance that he account may be sold on at some stage in the future and some Muppet's may try their chance at bringing another claim.However you will have retained your file and have evidence that their predecessor attempted and failed and will add to any further defences should that be required.They also would need permission of the Court to resurrect the claim.IMHO agree the discontinuance and put the matter to bed and enjoy the festivities.

 

Regards

 

Andy

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This might not be a huge help Whata, but you are able to make notes on your credit report, so if Restons or HFC do not consent to removing the default info off your credit record you can make some notes so that anyone who looks at your credit report knows that this matter has been sorted to the satisfaction of both parties. Once Restons have pulled their finger out over the correction of the consent notice of course... :roll:

 

But that note will only remain on file for a limited time.

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I would just like to add, as I'm awaiting a similar threatend court action, a big well done to CAG supporters, advisors and whatamess for this great triumph. I got fairly emotional when I read the good news, it's gone some way to restoring my faith in the balance of power to the people vs the corporation and inspired me to feel less anxious, giving me hope and courage to fight mine.

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Is that right?? I assumed it would stay there indefinetely. Do you have any idea of the time limit please, and can new notes be added / updated?

 

Actually, I got that from elsewhere on CAG! It seems to be wrong.

 

From what I have now looked up, you can add a 200 word Notice of Correction and it should remain there until you advise them to remove it. However, the CRAs have powers not to add the notice if they think it is unfounded or frivolous (yeah, they’d be a great judge of that), in which case you would need to complain to the Information Commissioner’s Office (ICO).

 

I can’t find any info about updating NoCs.

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Actually, I got that from elsewhere on CAG! It seems to be wrong.

 

From what I have now looked up, you can add a 200 word Notice of Correction and it should remain there until you advise them to remove it. However, the CRAs have powers not to add the notice if they think it is unfounded or frivolous (yeah, they’d be a great judge of that), in which case you would need to complain to the Information Commissioner’s Office (ICO).

 

I can’t find any info about updating NoCs.

 

Interesting stuff - thanks for looking into it. I must confess, to avoid any issues I used the CRA's standard wording and the updates have been up for a couple of months now.

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Hi all

 

Thanks for all your replies I will do as andy suggests and agree to the discontinuance as i do want this out of my hair, so thanks for your advice again Andy .

 

Thanks for the information regarding putting notes on my credit file I will look into that in the new year.

 

I hope you had a really good Christmas and here's hoping for a good 2011 for us all :madgrin:

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I would just like to add, as I'm awaiting a similar threatend court action, a big well done to CAG supporters, advisors and whatamess for this great triumph. I got fairly emotional when I read the good news, it's gone some way to restoring my faith in the balance of power to the people vs the corporation and inspired me to feel less anxious, giving me hope and courage to fight mine.

 

Hi MrMT

I did nearly throw in the towel a few times as i didnt think i could cope with the all the legal jargen and didnt really think i had a chance in hell of winning, but with the great help and support from CAG they picked me up each time i felt down, so do not give in please continute to fight... and good luck :-)

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