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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
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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.
      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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PPI - Where to start? ocean/picture/loans.co.uk - have cough!!


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Hi everyone,

 

I'm currently helping my dad with PPI claims. He's in a fair amount of debt and on a DMP. He's had loads of loans/charges/credit down the years and i asked him if he knew about PPI because he could get some money back.

 

We both don't know where to start and thought i'd ask for some help here, can you only claim from certain years ago or something? Is it best looking at a company to do this for him, if so which company is the best and charges no upfront fees?

 

We need more help to getting started, do we need to be looking through original credit agreements etc, do we need to send off SARs?

 

Cheers for any help.

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No need to use a claims company....they can do nothing for you that you cannot do for yourself.

 

Have you got any of the original loan agreements?

 

For the credit cards at this stage it is not necessary to have the agreements but statements would be good.

 

Best to start by sorting out a file for each and starting a thread for each claim you are making.

 

If your data is limited you would be best to SAR each lender for which you have scant information to get as much data as possible.

 

Standard procedure would be to prepare a spreadsheet of claim and complete a fos questionnaire for each claim and send these to the lender with a brief covering letter requiring refund.

 

Also look in the PPI stickies for a thread "Notes for Claimants".....there is a list of mis-selling reasons in there.

 

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on ppi there is no time limit

 

on PENALTY charges you might have to file court papers

for charges outside of 6yrs

 

dont use a claims company!

 

you'll loose £1000's if his claim go back a long way

 

 

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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I have written to Loans.co.uk on 11th June claiming back PPI and interest

 

they wrote back on 2nd july saying they were upholding my claim ,

 

l returned the form sent with the letter straight away.

 

However i had heard nothing by the 12th august

so sent a recorded delivery letter to the case manager but have still not heard anything,

 

the loan is still live with another company but l want the monies owed paid direct to me.

 

I am not sure what to do now as from the 2nd july to today 21st august with no response from them seems a long time anyone got advice?

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as you saying the loan has been sold ?

 

whos name is against it on your cra file

 

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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urm interesting loans.co .uk have coughed too

 

there are lots of people in the same boat

 

i wonder if the payment should goto you then not off the loan.

 

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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Share on other sites

They have given me the choice of paying off loan or direct to me at the moment out of work so would prefer it coming to me.

Still want to understand what reasons they can have to not contact me or settle some 7 weeks or more after letter upholding the claim.

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dunno

 

ring them

 

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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Share on other sites

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