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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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Hard copies of the Experian Letter pp1&2


SurlyBonds
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Me too if you would, Dayglo?!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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No telling-off presumed, but no, I don't accept the comment that I am acting illegally or unlawfully which is what the banks.CRAs ar doing in my book.

 

Sorry - I did not mean to imply that you were acting illegally or unlawfully so point taken.

 

And hope that we can now resume normal service :D

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it depends why they were taken off the Default PLESK Page site (original source) with or without surly's blessing. If they were taken off without Surly's blessing then there are hundreds of other places they could be hosted (including cag if the admins were happy with that) I would happily host them at my website - but only with Surly's blessing and the nod from CAG admins that they were happy with that. It comes down to knowing why the were removed in the first place.

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It would be best if Surly could repost them back to the original URL so that they can appear back on the sticky - or maybe post them directly into the thread - then if something does go wrong with the hosting site they wont vanish again.

 

I'm not posting anything back until I have the member functionality back on my account, including ability to update:

1) my signature

2) my avatar

3) my email address

4) PMs

 

If I can't assist people fully via PMs and posts, then is it actually worth it.

 

At the moment, any attempt to manage my own account comes up with:

You have been banned for the following reason:

None

Date the ban will be lifted: Never

 

So, no "following reason" - that's nice and clear then, and to the second part, Judge Jefferies was a pussycat.

 

Again, no email or PM from the person who actually effected this...

I'm often a sarcastic SOB and speak my mind (and I don't do PC at all), but I have a laugh as I go. I won't be intimidated, and I don't take prisoners... so live with it, or go get yourself a humour implant :p

 

Copy of Law book from Amazon…£19.95, Refund Request stamp...32p, LBA stamp...also 32p, Court fees...£750.00,

The look on the bank's barrister's face, when they lost the '£25k Mother-of-all unfair charges' cases...(plus his £8k+ of costs)... Priceless!

 

The legal bit: These are my opinions and own view of legislation and process. I accept no liability whatsoever for any outcome as a result of anyone invoking any or all of the advice given - clarify your own personal stuation with an insured legal professional.

Saying that, I've used these methods against many of these corporate crooks:evil: and won hands down!:D

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what is going on? get this sorted guys - SB might wind up a few people, but he has helped far more.

 

 

That is a very good point.

Smile:-The Ethical Bank:- Settled July 2006

HSBC:- Pre-lim sent 09/10/2006

LBA sent:-26/10/2006

Court papers issued:- 13/11/2006

Citifinancial/DLC:- Ongoing since 21st August. Now part of an OFT investigation into Debt Collection Practices.

I am only a Doctor of Love NOT Law. Don't blame me if me advice goes belly up!

:D (I will try to help all the same)

 

If i've helped, use the scales at the top to tell me how great I am!

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what is going on? get this sorted guys - SB might wind up a few people, but he has helped far more.

 

I second that (Who the hell do i think i am):D

SETTLED CASES

LTSB (CC) £20 21-8-06

HSBC (CC) £600 19-10-06

HSBC (Ac) No.1 £1900 25-10-06

RBS (CC) £900 25-10-06

Smile (Ac) £1300 17-11-06

A&L (Ac) No.1 £400 23-11-06

A&L (Mortgage ERC) £3900 4-12-06

LTSB (Ac) £200 13-12-06

A&L (Ac) No.2 £120 19-12-06

HSBC (Ac) No.2 £650 29-12-06

LTSB (Business) £1700 13-2-07

RBS (Ac) £4500 + Default Removal 17-3-07

Barclays (Bus) Warrant of Execution 10-3-07 not used yet

ONGOING CASES

Egg (CC) N1 Filed £1300 + Default Removal Judgment Order 9/1/07 In my Favour

Barclays Business loan & 2 accs. S.A.R N1 filed Judgment in Default isued 15/2/07

HSBC (CC) have failed to produce Credit Agreement

TO DO CASES

Egg (Loan)

LTSB (Ac Ltd Company)

LTSB (Loan)

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what is going on? get this sorted guys - SB might wind up a few people, but he has helped far more.

 

I third that.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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well nice one everyone! SB has had enough and gone. I'm sure those of you that he has helped privately (and boy has he helped) will have received his goodbye pm last night/this morning. Good luck surly - and thanks for all your help.

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Yes, well done everybody!! :evil:

 

Surly may have had a slightly twisted sense of humour, and possibly wound up one or two of the more sensitive souls on here but he was a very knowledgeable and helpful bloke. Most people of high intelligence have a character quirk or two.

 

He will be missed believe me.

 

Best of luck SB. If you wish to reconsider and return then you will have a welcome from many here!!!! ;)

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Oh My God !? I have been following SB's thread Re: Default Removal. It is clear that SB has greatly assisted the CAG members by the immense amount of time/work that he has put in. Obviously, I am not privy to what has occured here, but it is very very SAD to see a member leave - We need all of our soldiers....! Love Angry Cat

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I agree, I cannot believe that he has been treated like this!

 

I thought this forum would need people like him!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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not sure I follow - how can 'everything you need to know is on here' and 'you are not in full posession of the facts' both be true.

 

Either - something is going on in the background that we don't know about or all the info is here - they can't both be true.

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I think what Cillitbanger means is that all the info needed to get defaults removed is on here, not that everything that went on between SB and CAG is on here.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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Indeed!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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you seem to know most of what sb was advising so he shouldn't be missed that much!

 

I have no desire to get drawn into a scrap but that comment is so untrue! I can't believe that anyone would say that unless there are bad things that I'm not privvy to.

 

SB is a very intelligent guy with an awful lot of knowledge of various obscure parts of the law. He also appears to have the resources to "make things happen" by way of test cases or whatever that many of the rest of us simply don't have. The background information provided following such test cases could potentially have been very useful to us all in the future.

 

Just my 2p worth but I think SB WILL be missed.

 

Pete

I will not make any deals with you. I will not be pushed, filed, stamped, indexed, briefed, debriefed or numbered. My life is my own. Number 6

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I will not get drawn into an argument with you

 

I don't want an argument with CAG folk - I prefer to focus my energy of getting my life back.

 

but you couldn't be further from the truth! Users dont elect the site-helpers the mods do!
I never suggested that Users DID elect mods - frankly I'm not interested in that side, I was just trying, in the absence of information, to speculate why SBs posts were modified to the extent that they were and others have not been? That's all.
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Sorry the 2 statements are not connected, you seem to know most of what sb was advising so he shouldn't be missed that much!

The rest i will leave to your imagination!

 

ok I didn't want to venture into this conversation for obvious reasons, but the above statement is a little crass...Surly has come up with a sound idea to remove defaults, but we are most of us still at the start of getting a result and it's now more than ever that we need him to advise us as to strategy and response; this is a tad more complicated than just getting charges back at this stage as we are debating the LEGALITIES, not facts - with penalty charges we know the law and are pressing that fact; here we do not.

 

So you may not like him but I'm afraid his knowledge will be very much missed and I am not confident that much more on this matter will be achieved without him since most of the relatively legally enlightened are still (admirably) focussed on penalty charge-related issues...

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Thanks

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