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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Been With Eurodebt DMP for over 11 years [now discover most of my debts are...)


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One of my largest debt for £12k was for a loan from Barclays.

 

If I remember correctly, I received a cheque from barclays (year 2000) through the post asking me to bank if I want the loan.

I didn't believe it but gave it a go and banked it which obviously cleared.

 

I don't think they have any paperwork relating to this account.

 

Also, I never had loan from MBNA, though I had credit cards (Applied online),

 

can they transfer credit card balance as loan?

 

My DMP statement shows "MBNA Loan DO NOT USE" and I am paying every month towards it.

 

Also how does the CCA protects consumer on credit card/loan applied online winthout signature?

 

Are these debt enforceable?

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no they cant

 

sar MBNA get the truth out 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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sar MBNA get the truth out of them.

 

dx

Many thanks DX and really appreciate your help. I am about to SAR MBNA and Barclays but what I am confused about is, I have 3 different MBNA card debt, 3 Barclaycard debt and a Barclays loan. Do I only send only one SAR per company or 1 SAR per account?

 

Thanks

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yes only one

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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no sadly

one for each account+£1 blank PO

 

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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One PO for all the fees to one company will be ok, just mark it 'for statutory fee only'.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Nope. They have 12+2 days. If they fail to submit the requested documents in that time, then you can put the account into official dispute. It can still be chased up, but they cant enforce it in court.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Just wait. Once the 12+2 is up, send them the in dispute/non-compliance letter.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Dear Crapbot.

 

 

As you are most certainly aware the time limit for or request made under sections 77/78 of CCA 1974 is 12 + 2 working days NOT 4o days.

 

Cabot will comply with my lawful request within the correct time scale, a copy of Cabots letter dated xx.xx.xxxx, has been forwarded to the OFT/FCA today.

 

PUT THEM ON NOTICE NOW, this is a seriously misleading letter.

  • Confused 1

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Make sure you copy in the OFT/FCA as well. Dont just use it as a threat.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Dear Crapbot.

 

 

As you are most certainly aware the time limit for or request made under sections 77/78 of CCA 1974 is 12 + 2 working days NOT 4o days.

 

Cabot will comply with my lawful request within the correct time scale, a copy of Cabots letter dated xx.xx.xxxx, has been forwarded to the OFT/FCA today.

 

Thank you Brig for your valuable suggestion. So, are you suggesting that I should write to them now and also send a copy of their letter to OFT/FCA? What is the address for OFT/FCA? do I need to write them a covering letter explaining my situation?

Thanks

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Customer Assurance Team My Arse....

 

You dont request the services of a DCA so they are not doing anything through "Customer Service / Assurance"

Stick it to them 2 + 12... Not 40 days... that is how long they have to fully supply all data under DPA Act 1998

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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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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Send the non complaince letter

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Dear Crapbot.

 

 

As you are most certainly aware the time limit for or request made under sections 77/78 of CCA 1974 is 12 + 2 working days NOT 4o days.

 

Cabot will comply with my lawful request within the correct time scale, a copy of Cabots letter dated xx.xx.xxxx, has been forwarded to the OFT/FCA today.

 

PUT THEM ON NOTICE NOW, this is a seriously misleading letter.

 

Hi Brig, This is what I received in response to my letter. Should I now write them a non compliance? Thank you.

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usual crap

 

they make up their own rules

 

which ofcourse are utter bowlarks

 

send the failure to comply letter

 

and stop any payments

 

dx

  • Confused 1

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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Call their bluff. Ask, no DEMAND to know which part of 'industry guidance' shows that they are allowed an extra 28 days for a legal statutory request that only allows them 12+2?

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Couple more DCA replied today. I am particularly worried about Lowell letter as it reads they will demand full payment which is around 12K once they produce me original agreement of which I am currently paying token payment of £5. Their 12+2 days expired on 29 Aug and non-compliance letter is already on the post. What happens if they produce me agreement after 14 days?

 

I have also received a letter from Experto Credite with my £1 PO back. Please see attached letter and advise accordingly.

 

Thank you.

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