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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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Just got Power of Attorney on mum


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Have a POA for mum (mental health for decades & M&S knew and know). She had M&S CC &Personal loan in 2000s and (according to her) they plastered charges and raised interest exponentially before she defaulted. It took 10 years for her to actually get a treatment that managed her depression, and a doctor using the phrase bipolar. 

We currently pay money each week into her account and pay the debt (do it for several others too).  She has no income as she is absolutely terrified of the benefit people and won't go out. 

Is there anything we (as outsiders) can do to get M& S (& others) to remove the excess charges and interests and maybe negotiate a final payment, or is it too long ago to get it looked at?

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Hi and Welcome to CAG

Is the card still with M&S and you are paying them direct ? You mention " other's " ?

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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Just joined and posted this on M&S  comment and now just read this. "Have a POA for mum (mental health for decades & M&S knew and know). She had M&S CC &Personal loan in 2000s and (according to her) they plastered charges and raised interest exponentially before she defaulted. It took 10 years for her to actually get a treatment that managed her depression, and a doctor using the phrase bipolar. 

We currently pay money each week into her account and pay the debt (do it for several others too).  She has no income as she is absolutely terrified of the benefit people and won't go out. 

Is there anything we (as outsiders) can do to get M& S (& others) to remove the excess charges and interests and maybe negotiate a final payment, or is it too long ago to get it looked at?"

 

Mum has tesco too and i was going to apply answer to it too. Literally just opened the intrum letter now.  

 

1. Can they do this automatically?

2. Surely they can't do credit searches without permission, isn't that illegal nowadays?

3. Who do we send details of the POA to, Tesco or Intrum?

Thanks. How do they expect sick and vulnerable people to handle this?  it is a minefield

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posts moved to your existing topic please only post here.

can you scan the letter up to PDF please

read upload

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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