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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
      • 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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I phoned Debt Free Direct on Friday and they claim they are unaware about Rossendales.

 

I am next week, sending a CCA request to all of them.

 

In the meantime, is it worth writing to my main debtors at the Insolvency Exchange a begging letter saying no more money available can they agree to write the debts off!?

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await the CCA returns first.

 

 

I'd be sending an sar to DFD if they were the ones that did the useless IVA.

 

 

get all the info from them too

 

 

we have a few experts here that can take them apart if they've done you over.

 

 

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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CCA requests have been sent to Max Recovery and the Insolvency Exchange this afternoon.

 

I have kept copies and letters sent first class recorded delivery.

 

So what exactly am I looking for when or if they comply!?

 

2 of the credit cards were taken out online, as was the loan.

 

Littlewoods Catalogue was done by a lady touting in the street, and was done I think before 2000, so I doubt there will be agreement with that.

 

Can I look to having the debts written off, and can I requests all the monies paid to be returned!

 

Cant wait to be debt free if possible!!

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best have a read of a good few threads in the forum

concerning the original creditors

info should be there though we'll help.

 

 

I the CCA's are not enforceable, then that could achieve your wishes.

 

 

when were they taken out please

list your debts

 

 

are they on your credit file too?

 

 

don't forget the sar to DFD

 

 

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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1.Personal Loan With Halifax done Online in 2011, £6,718.52

 

2.Halifax Credit Card done online and taken out in 2006 - £3,192.81

 

3.Virgin Money Credit Card done online I think around 2012, £969.76

 

4.Littlewoods Catalogue, form signed by a lady in the street more then 20 years ago £280.13

 

As far as I know there wont be an agreement for Littlewoods because of how long ago this was at least 20 years.

 

Others more recent and done online.

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1 & 3 could be difficult.

they are post apr 2007 and online.

 

 

have you all the statements?

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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Burzo, you posted a link which is specifically for the USA so have removed it.

 

I would suspect at some point there would also have been a fee required, we don't permit such links to be posted anyway. :)

 

Thank you for your interest anyway.

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I sent a CCA request to the Insolvency Exchange regarding 3 of the debts which are listed with them on the 19th January.

 

Its now the 30th January, and I still have had no response from them.

 

If after the 12+ 2 days expire, what is the next step please?

 

I have contacted the Financial Ombudsman Service regarding the Halifax Loan and Credit Card to be investigated under breaching the terms of The Lending Code.

 

I stopped making payments back in July as my IVA failed.

 

What is the next step now please in order to get the debt removed!?

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" If after the 12+ 2 days expire, what is the next step please? "

 

Nothing...mission accomplished...you dont want a response.

 

Andy

We could do with some help from you.

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Then you wait till they start chasing you again. If they do you come back here and we can tell you if its worth sending the dispute letter. Until then you get on with your life.

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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  • 4 weeks later...

I have to date paid so far £2790 into the IVA and their fees will take most of this money making no dent in any of the debts listed.

 

How do I reclaim this money back?

 

I did a CCA request to The Insolvency Exchange regarding both Halifax debts back on the 19th Januar they have not complied with my request to date.

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its about time you stopped paying DFD this IVA money

 

 

was the complaint to the FOS regarding this company?

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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ok all good

 

 

I'm wondering if a complaint about DFD is in order as they've done you over and used DLA for your payments.

 

 

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

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... 

Link to post
Share on other sites

I would lodge an immediate formal complaint with DFD in the first instance (who are DFD by the way?? not Debt free Direct, god give me strength!)

 

Not only do you want a full refund of the money they have been embezzling off you, but they need closing down, so a complaint to the FCA also.

FOS, won't simply look at one complaint before looking into another, so get making those complaints, each one is entirely separate.

 

I have four separate complaints with the DWP going right now, each one is individual, and they will respond to each one individually, the same goes for the FOS, but pencil in the FCA too.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I have sent a form complaint today to Christopher Moat who is the director of Debt Free Direct.

 

I have explained by situation to him quite clearly and how I feel that the IVA was the wrong choice for me.

 

I have complained that I wanted a full refund of the £2790 I have paid into this.

 

Lets see what reply I get back, but not hoping.

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I sent a lengthy 2 page letter of complaint to Christopher Moat the Director of Debt Free Direct earlier this afternoon.

 

I explained the situation and how unhappy I was that I had paid £2790 into this IVA and their fees will take all of that.

 

I've asked for a full reimbrsement and I gave him 8 weeks to respond.

 

I doubt I will get my money back, but I've kept a copy of the letter and have proof of posting certificate from post office.

 

So what is the best thing to do if he refuses me a full refund?

 

Is it a complaint to the FCA or the MoJ!?

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Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks for that but I am more interested in getting my money back.

 

The £2790 I paid in which their fees will swallow this up I could pay 2 of my debt off with this money!!

 

I have written to Christopher Moat and demanded the money back, but until I hear from him, I can't do anything else.

 

The only thing I can do after 8 weeks is to contact the Financial Ombudsman Service.

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