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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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Lending Stream /Asset Collections


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Good morning there

 

I will be in a little later today to advise.

Asset Collections don't do legal from memory so you are safe... Think they don't actually purchase the accounts...

 

We could do with some help from you.

 

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**Fko-Filee**

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Right im back and not having to answer the phone at work so here we go...

 

Questions for you

 

- What companies were the loans with?

- How many loans with each?

- When were they?

- How many defaulted?

- Amounts of defaults?

- How many times did a rollover occur with each lender?

- Was any false info ever given to try and qualify for a larger loan?

- Grab reports from Noddle and Clearscore... Save them at this time, could be needed in future. Once done let me know?

 

This is a long process and may take a while to complete... Also checked the closed account hist ESPC with Noddle!

Most PDLs used Noddle as their ONLY reporting source.

 

Once youve answer those Qs I can help further.

 

We could do with some help from you.

 

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**Fko-Filee**

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Hi There

 

Get the report from Noddle First Aswell as Clearscore...

And just checking your CRA doesnt mean lenders with beable to see youve looked.

 

Trust me, there are many other ways for them to find you...

 

Elec Roll - Bank Accounts Addresses etc

 

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Possibly but there should be an entry for that default then with Asset collections Name against it or another company.

Is there a default on their with a similar value to the one being quoted in their letter?

 

We could do with some help from you.

 

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The DCA may or May not own the debt. That will be the clincher...

If they dont own the debt, cant take legal action. If they own the debt, then they can take legal action but we rarely see PDLs ever go near court if ever... There's a reason for that.

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No.. not all, dont fall for the DCA tricks. If it does go legal then you can defend. And if you do, it will be interesting how the judge would see how the constant rollovers and the constant taking out of loans.

This could get interesting.... Please stop worrying. If it comes to legal , we can help defend.

 

We could do with some help from you.

 

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No problem, DCAs threaten and Intimidate... Thats all they do to get paid...

 

So... Get me all the stuff for LS that i asked for earlier and we can get this show on the road. Plus as the debt has been sold on... Any redress etc will be payable to YOU!

 

We could do with some help from you.

 

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Youch, would you mind getting a statement from them? LS Not Asset...

Also Tell us more about PDUK? How bad was that?

 

Summarise it using the questions in Post #15

 

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IF LS havent responded within 48 hours, chase again.

Awaiting the PDUK stuff... Im finding that lots of cases have to go to the Ombudsman for resolution.

 

We could do with some help from you.

 

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**Fko-Filee**

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Hi Redmadam... Yes £10 for a SAR but not a full statement of all loans... But then again the SAR is the right option.

Get it shipped off.

 

£13k...? Arh thats quite bad... Follow the same process for PDUK... Either SAR Them or put up the full loans list in a PDF / Spreadsheet.

 

Do me a favour... Use a spreadsheet to track all the loans and sum up everything that was paid.

 

FWIW... Is there anything that look likes an (Advance Against Income) or (Payday Loan) showing on the CRA?

 

I also have two other thing to say...

 

Number 1 - You have a good heart to go to this trouble and help out your partner... Just make sure he learns from this... :)

Number 2 - What other forums have you been on? IF need be PM me... But Id rather know so we can see what other advise you have been given....

There is a correct way to do this...

 

We could do with some help from you.

 

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**Fko-Filee**

Receptaculum Ignis

 

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