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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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HFO CAPITAL/services/turnbull CCJ


melmumof3
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Hi All

 

First of all good luck to all that are being pursued and I wish I had some of your courage in fighting these organisations i am too polite sometimes.

 

As I am not being taken to court at the moment I will start to write to all our MP's raising the very questions raised here. Hopefully getting questions in the house for instance are there tax loopholes being used by these. If anyone has objections to this course or feel that it could hinder them please reply.

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HFO have twice been named in parliment yet their scurrilous practice still continues,

they hound people night and day phone calls from india and sometimes the uk branch,it seems the MPs are happy to accept their salaries and EXPENSES ,yet people have lost there homes through HFO who always where possible go for charging orders now as you are aware of the TAX LOOPHOLE Multi Nationals are now finding this a very lucrative business to be in hence the rapid growth of HFO Cabot etc..their is no stopping them unless the CHANCELLOR OF THE EXCHEQUER decides that the time has come to close down this bolthole and also if possible imprison these people and take away their procceeds of crime ...very unlikely we are always going to have the dogs looking for scraps and they dont care how they pick them up

you ought to put down here and explain what your problem is beleive me a problem shared like this is a problem halved and the support will make you a stronger person not to be trod on like gum on a shoe, dont feel ashamed either look at the likes of SIR FREDDIE LAKER he was down BUT NOT OUT so you need to take them to task

patrickq1

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Hi

 

I take that as a resounding go for it. The reason for not being in full battle mode myself is that as a full time carer and required to be at close proximity. Does not allow me to mount the battlements myself or take part in the jousting at court, where I can avoid it. My creditors on average have been very good but there does seem to be an inverse law that states the smaller the amount the ruder they become. Although in the 80's I did gather a couple of CCJ's in them days it was the OC that took you to court without all those penalty/late fees and unjustified interest. I have other gripes as regards to unpaid Direct payments from the Government to fight for which is on going.

 

My main thought at the moment is to take advantage of it being a general election year and to raise the Temp for all our beloved politicians. Also with the banking crisis arising from this financial horse trading is another good reason to go for it! Time to start licking stamps!!

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as we knowH.F.O.SERVICES LTD REG:51200067 it has been noticed changed directors in recent weeks and have not apparently confirmed this change with the relevant Authorities they have therefore now failed to comply with the requirements of credit or other consumer legislation,

have they been given a new consumer credit licence also a new company registered number ?

patrickq1

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OK, next steps... as HFO have added NEW evidence to their claim, should we be doing another CPR request for proof of their new evidence, ie. proof of assignment, proof of notice of reassignment to Mel, etc?

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Let's hope we get the M&S stuff through the post this week... you might want to chase it up over the phone Mel?

 

I assume we are looking at a skeleton argument/witness statement in response to their appeal?

 

You have my affidavit too I think? I'm sure this will be enough actually... they are claiming in your case that Ireland were transferred everything in 2008 but in my case they were attempting to get the Cayman operation named as a Claimant. I think this shows the dishonesty with how this company operates.

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advisor - 'your debt is no longer with us, it was sold to a company called 'roxburge'......

 

on the phone cant find letter i sent grrrrr....ive had to email the letter now, and they will email me back.. thats fine isnt it.?...

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just picked this up from another thread from cabine?

Notice of Assignment

To create the notice required when a contract has been assigned. You must give notice to the other contracting party of the assignment. Without this notice, they are under no obligation to pay you (the person to whom the contract is assigned) and could continue to pay the person whom they first signed the contract with. You would not be able to claim any of the money Assignment. Transfer of ownership of a property, or of benefits, interests, liabilities, rights under a contract (such as an insurance policy), by one party (the assignor) to another (the assignee)

 

Deed of assignment

1. Agreement under which some or all assets of an insolvent debtor are assigned to a trustee, for selling them and distributing the sale proceeds equitably among the creditors.

 

2. assigment of a part of the proceeds of a letter of credit by its beneficiary (usually an exporter or seller) to the manufacturer or producer (of the goods being exported or sold) as a guarantee of payment for those goods. Also called Letter Of Assignment.

 

Absolute assignment

assignment in which all (and not merely a portion of) benefits, liabilities, and/or rights are transferred by one party to another, without any pre-condition.

 

Collateral assignment

asset assignment in which ownership rights are transferred only as an additional security for a loan, and revert to the assignor when the loan is repaid.

 

Equitable assignment

assignment which does not fulfill the statutory criteria for a legal assignment An equitable assignment may be made in one of two ways:

 

1. The assignor can inform the assignee that he transfers a right or rights to him.

 

2. The assignor can instruct the other party or parties to the agreement to discharge their obligation to the assignee instead of the assignor.

Only the benefit of an agreement may be assigned.There is no requirement for written notice to be given or received. The only significant difference between a legal assignment and an equitable assignment is that an equitable assignee often cannot bring an action in its own name against the third party contractor, but must fall back on the rules governing equitable assignments and join the assignor as party to the action.

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