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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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      • 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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Unable to pay Stepchange DMP as now unemployed


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no sweat

really hate what DCA's do to people

it should be made illegal and criminal.

 

 

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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OK here are the details

 

Westcott Nat West Loan and credit card

NCO Egg Loan

Direct Legal Santander Loan

Link MBNA Credit Card

IDEM HSBC Credit Card

IDEM HFC Loan

Cabot Barclaycard Credit Card

 

All of these were taken out over 10 years ago

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Oh oh link

That'll be bogus for sure

And wetcloths too

 

If any of these prove enforceable I'll eat my hat

 

Per knowing who has your debt now

I would cancel the DMP forth with

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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Might be best to await for each one to send the first of a series of letters you'll get causing mass deforestation first

 

Then comeback here and tell us

 

Just remember...

A DCA is NOT A BAILIFF

And have

NO SUCH LEGAL POWERS

 

You are under no obligation to talk on the phone

Nor at your door

Should a dirty Mac brigadier appear

 

Get reading!!

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 will do, payment not due until next week so I will enjoy the calm while I can

 

I will visit back when I have something to report but won't send anything back to them until Ive been back on here

 

Once again thanks for your help

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NCO Egg Loan

All of these were taken out over 10 years ago

 

Hi Pearlyj,

 

Bet you that the Egg loan had PPI on it, whether you wanted it or not.

Be good to check if there was and if so, get reclaiming fast.

As the debt has been sold, it should all come back to you.

 

As they say, get a SAR off and find out.

You need to check who to send it to. It could be Canada Square Operations or Barclaycard.

CSO took over old accounts and Barclaycard took the ones that were still current.

 

Good Luck

REMEMBER! Hunger is the enemy - NOT the hungry!

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  • 3 weeks later...

Just an update

 

I have sent the relevant letters to Wescot today by guaranteed next day delivery.

 

I will report back when I have something back or not as the case may be

 

Fingers crossed

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what letters were they?

you don't need to use recorded

1st or 2nd class with free proof of posting when you get the £1PO's

at the counter is good enough

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

the rest can get them too!

 

 

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... 

Link to post
Share on other sites

might well be an idea

as each returns

that you start a new thread in the named forum of the original creditor

else its gonna get mighty confusing in this one thread

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

???

you had an egg loan

you've sent for the CCA

when that comes back

scan it up to PDF

and then start a new thread

 

if you click the top left main forum tab

and drill down

 

you will find named forums for all the banks

 

[the original creditor of whatever the CCA was about]

 

then click the new thread button

name it

and post up the reply as an attachment to your post

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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stop payment if you are/have been making any

is one of your options.

 

 

are any of these debts still owned by the original creditors

or are they all now owned by dca's

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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good

 

let the fun begin.

 

typically we see about 75-90% of the debts vanish

never to be heard of again.

 

sadly thats called being cash cowed,

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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