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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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GDPR breech by swift


Swiftwidow
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Hi I have made a complaint against swift it appears I’ve currently over paid them by over £2000, they are asking for a further £19000. But to top it off they have stapled a letter belonging to someone else giving all their details to one of mine breaking all GDPR rules! Any advice? 

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I have a complaint with Swift advances having over paid them yet the are still demanding further money also added a GDPR issue with them as they sent me someone else’s letter with all their details on. What would you do? 

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Hello and welcome to CAG.

 

I've merged your threads to the Data Protection forum. It's best to keep to one thread per issue.

 

You might like to start a separate thread just about the amount owed in the Swift Advances forum.

 

Best, HB

Illegitimi non carborundum

 

 

 

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contact the ICO regarding the letter.

 

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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on the swift loan? front

please expand

is this a mortgage, secured loan or WHY?

 

get an sar running to them and get all the statements too.

 

lets see how many £1000's they've added in unlawful fixed sum penalty fees...like late/arrears/debt collection/phonecalls/it's raining today - your fault.

 

i'll move your thread to the swift forum as you can have a good read there of others troubles and learn how to get reclaiming.

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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do what alone?

 

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

sar 1st 

get it off tomorrow

info gathering time.

 

why do you think you've overpaid?

have you ever been in arrears?

and was this loan linked to a mortgage application or simply a consolidation loan to pay debt off?

 

 

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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  • 2 months later...
On 14/08/2020 at 18:10, Swiftwidow said:

Brilliant thanks I’ll get an SAR off to them. 
It was home improvement. 
 

the overpayment is on their paperwork! I should have paid in the region of £56000 at the end of the loan but have already paid £58000.  There were arrears that have been cleared 

Hello,

 

How are you progressing with Swift?

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3 minutes ago, Swiftwidow said:

They said they investigated and offered me an apology only. They still won’t send me all the info I have requested numerous times. Given up! 

Send the SAR again registered post they have to reply. If they don't a Solicitor's letter will be the quickest way to remedy that. Glad you got the apology letter, keep safe with your Swift paperwork. A Solicitor will be able to point you in the right direction during this process of how best you can tackle Swift. Please come back to update.

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Ico

 

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

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