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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.  

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      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.

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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.
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      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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1st Credit and HFC credit card debt


Jonny_J
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Hi all,

 

I have a small problem with 1st Credit who have bought a credit card debt that I had with HFC (Household Bank). It is a small debt of £373.27p but I don't have anything to give them at the moment, and I believe that the debt may be statute barred because the last payment I can remember making on the account was in late 2004 to the best of my recollection.

 

There was also a larger debt for a loan with HFC which 1st credit bought, but when I CCA'd them, it seemed to disappear along with any mention of it on my credit report. I did CCA 1st credit for this debt, but never heard anything, so although I know that they're chasing me for the smaller debt (even though I haven't had a CCA yet) I need to find out whether it is statute barred or not without dragging up the issue of the loan that disappeared. The loan would become statute barred in June 2012. If I were to SAR them would they start chasing me for the loan as well. Or should I try to SAR HFC, and try to delay 1st Credit until I'm sure that the debt is statute barred or not?

 

Help me please :???:

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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look at your cra file

whats showing there?

 

moved to hfc forum

 

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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Hi DX

Thanks for the reply. There is absolutely no mention of the loan, it just seems to have vanished from existence. But the Credit Card debt shows as being a debt with 1st Credit, with a last delinquent date of 11/06, and a default date of 10/06.

 

I don't actually know what this all means, but I certainly don't remember making any payments, or indeed admitting liability for this debt any later than Dec 04.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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bet its sb'ed [the CC]

they will be trying to fleece you i bet

 

if you think its sb'ed then i'd ignore them

 

if HFC wanted their money, why wait +5yrs to get it.

 

ias for the loan - does not show huh, then its SB'ed ...ignore them on that too

 

they have no legal powers to do anything anyway

 

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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Thanks DX, that has really helped to put my mind at rest. This is a great site that you have here. Think I'd better make a donation as soon as I have some spare cash.

Worry tends to make the smallest thing throw the largest shadow - Swedish Proverb

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