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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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Notice of Assignment received 5 years after debt sold Citicard


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If the account was opened prior to 2007, that is my understanding, yes :)

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are they stil trying it on. l would igore them

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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  • 2 weeks later...

Received another letter today from 1st Credit offering me a 30% discount...perhaps if they would like to make it 100% we might have a deal! I presume as they are offering a discount they possibility realise that they don't have enough to take the matter to court?

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10/10

 

ignore 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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Another letter from them today asking if they can help me with repaying the outstanding balance, would I like to pay in instalments? Would I like to chat with a free debt management company, and on the back is a nice income and expenditure form....how about I just ignore you until you send me the correct paperwork!

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  • 3 weeks later...

Have revived another letter asking me to "make them an offer" if i don't they intend passing account to Connaught Collections, not had any dealings with them, what can I expect and should I respond to 1st credit telling them that in my opinion they have still not complied with my CCA request?

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discount letter

 

ignore

 

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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  • 2 weeks later...
  • 1 month later...

I have received a letter which It says is clarifying the definition of a true copy of an agreement.

they are saying that it doesn't have to be an actual copy, which I'm aware of

 

but would I be right in replying to them that if they wish to pursue this matter in court then they would be required to produce the actual agreement?

 

They go on to say about the statuary demand being set aside because i had not received a copy of my agreement from Citicard,

 

what I had received was exactly the same as what 1st credit have said is a true copy, it's the same document.

 

They also mention that it was a credit card so I would have received a copy of the new t&cs at the time I received a new card.

 

The usual stuff then follows about them considering it due and payable.

 

Advise would be appreciated ASAP as would like to respond to them.

 

Thanks

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pers i'd not enter into letter tennis now.

 

they are just trying any method to make you respond.

 

if they've mentioned the set aside

 

they know full well, the paperwork used was of no worth.

 

and as they are quoting the same paperwork again now

they know they are stuffed.

 

sit on your hands.

 

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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pers i'd not enter into letter tennis now.

 

they are just trying any method to make you respond.

 

if they've mentioned the set aside

 

they know full well, the paperwork used was of no worth.

 

and as they are quoting the same paperwork again now

they know they are stuffed.

 

sit on your hands.

 

dx

 

They seem to think that the SD was set aside because citi hadn't provided a copy of the agreement, they had and its the same as the one 1st credit have supplied, i thought perhaps I should just mention that to the once again so they are very clear? I still have the dodgy DN as well that I haven't mentioned yet?

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when was the last time you actually conversed with any of 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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so in what respect did you communicate with 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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They sent me a letter saying account had been purchased by them, they have had it since 2008!

 

But I had moved so they found me and started it all off again,

 

I have just kept repeating to them that the proper paperwork has not been provided.

 

They keep,saying it has now, whereas they have only resent what I've always had

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  • 3 weeks later...

they are just wanting you to respond again thinking they

might be able to mug you after all this time.

 

quite honestly, as its been to court

the SD [by 1st credit themselves] was set aside

 

you've told them this and included a copy of theset aside.

 

I think its time to stop letter tennis

 

until/unless court papers arrive.

 

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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