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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
        • Like

Swift advances


duchess777
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sounds about right for these sub prime lenders.

send them an SAR

get everything they have then we can unravel the web they always weave.

 

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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what do you mean by a 'company' 

don't name them, but they wanted a fee to try and sort the mess out?

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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  • BankFodder changed the title to hello – where is my Swift Advances thread?

one of these write off your mortgage companies no doubt

total waste of time

 

 

did you send a new sar

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

we don't allow adverts if that's all you've come here to do please removed name

 

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

  • 3 weeks later...

are the 30 days up yet?

it could be coming from various sources

but yes there should be note of it, poss in the account or comms log?

sometimes called manual intervention?

 

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

cant see the files?

pop them up as PDF 

read upload carefully

 

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

it would be far better to scan the full agreement inc the T&C's to one multipage PDF.

 

read upload carefully

 

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

  • 2 years later...

Old and new threads merged 

 

I can see if you read from post one now again you've tried 3 times to address or see if you can sort this loan issue.

 

We need to see all the paperwork you have in one mass pdf 

 

But to be honest there have been no successes anywhere for many years. The only way people are seeming to get away from them is to offer a lump sum settlement by going to a mainstream lender 

 

Is this a secured loan that shows on your deeds and have you any other lending with them?

 

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

Please space your posts with blank lines, and sentences , not a big block of text 

 

So you are in court now?  1st you've said of this!!

 

What have you taken them to court for?

 

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

sorry if this seems unfair but:

 

you came here in 2019 asking the same question:

 

  

On 02/03/2019 at 11:30, duchess777 said:

Hello

I obtained a loan from swift in 2008 , I asked to borrow £25k to repay another loan ,

did not realise about Swift

 

when I eventually got the papers some years later they included £4k which they said they gave me in a cheque .

I informed them I have never had a cheque from them ,

 

they refuse to tell me where the cheque was cashed according to their records .

I claimed my PPI back from them

 

they said they can continue to charge me for it as I was in arrears and they did not have to take off the PPI as I was in arrears . 

 

I have paid them over £40k and they are seeking a resettlement figure of £67k.

 

can anyone help and advise please .

 

then got help and vanished.

 

you returned in 2020 again asking the same thing:

  

On 06/03/2019 at 07:44, duchess777 said:

Good Morning .

they were trying to get a refund on my mortgage , they did not want a fee.

 

and got help and vanished again.

 

then you've just returned again after 2yrs:

  

7 hours ago, duchess777 said:

Hello where has all the recent swift issues gone to cannot find them . please help

 

trying to get the full picture from you each time you return, to enable us to help your properly, is like pulling teeth. we never get it.

 

We get a bit by bit dribble each time and then findout very relevant new important info that you didnt tell us first-off when we've asked for it all that changes the whole picture.

 

as far as i can gather,

you wanted to pay off a few debts....

 

they gave you an unregulated mortgage/secured loan? (is it still showing on your deeds?)

the breakdown of this was:

 

brokers fee  £427.50

Mortgage £2,203.26

car loan  £21.977.35

loan admin fee £35.00

PPI £4105.15

tele transfer fee  £40.00

indemnity fee  £135.00

Cheque  (never received )  £4144.39

Amount of credit  £28365.00

total £32470.15

 

but you say nothing about the interest each month,so their figure today could quite be correct. the above figure does not inc interest. you don't get a loan for FREE!!

 

as to date you've not scanned up the full agreement to one mass pdf after reading our upload guide carefully.

we need to see that.

 

now going on from here upon what we also appear to know...

 

you appear to have been taken to court by Swift for repossession at some point. date please and you obviously won an got the repo suspended?

 

it appears at some point in time you appointed a mortgage reclaim company or they contacted you (as they do they scan the courts looking for people being repossessed)  - they scammed you and disappeared into thin air and this possibly involved you taking swift to court , questioning the outstanding figure at the time? if so when please

 

 

 

 

 

  • 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... 

Link to post
Share on other sites

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... 

Link to post
Share on other sites

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