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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 
      • 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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Swift advances


duchess777
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Hi 

Yes , I have been searching for answers over the years and coming to a dead end .

 

To answer your question six months after I had the loan they took me to court for arrears as I explained to the brokers at the time that I was not working and they told me that I would get money from the loan to cover payment for a while which I never received . so I was stuck and got the suspended order . 

 

I did appoint the  mortgage company and you are right I did get scammed . I did not take Swift to court , they took me again this time they supplied the paper work and I saw the cheque they said they gave me , hence I refuted this and the court requested they send me a copy of the cashed cheque which they did not to date .

 

The date was 2017 . Then I became very ill and had other matters to deal with .

I then got some money and paid the arrears to them .

 

In respect of the interest the balance to date they stated was 68,000.

 

I can only ask the question if the money they stated they gave to me does not add up how can you put interest on monies not  given to a customer .

 

In respect of uploading the paperwork I am slightly worried as you can understand I really do not know whom I am really talking to , hence the caution.

 

Sorry if I took up your time I was just checking  but I am grateful for your response to date .

 

 

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well i would think after some almost 20yrs here and some 155'000 post if were the NME i would have been outed by now....:pound:

 

read our upload guide carefully please

you will see we ask you to redact YOUR details and any ref number that could ID you here anyway, so even if i or we were the NME we still wouldn't know who you are.

 

so swift tried to lift the SPO in 2017 and they lost again? 

and one of the recommendations was the judge ordered? or simply told them in closing to supply it?

if they broke a judges written order you have scope .

 

this £4k cheque whatever it was for wont seriously dent your present balance, nor will it ever be resolved now, they'll claim its subject to the statute of limitations now. 6yrs rule

 

i bet your balance is made of monthly arrears fees you've been charged every month since the 1st court case and 1000's of other unlawful penalty charges like letter/arrear/late payment/debt management visits/ its raining today.... your fault.... 

 

have you every statement from day one now?

 

so full agreement please to one mass PDF

every statement to one mass PDF

 

then we might be able to help you.

 

 

 

  • I agree 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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