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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
      • 162 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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Hi All

 

Have entry on my CRA file " moved from address without informing new address" and lots of u's going back nearly 8 years.

 

No default though so that original default must have dropped off.

 

I have not acknowledged or paid the alleged debt for nearly 8 years.

 

DCA say i have made £10 payment 5years 8 months ago ( maybe they paid or alleged OC the £10 from coffee fund) as i did not i am sure pay £10.

 

So they may have craftily brought the alleged debt within the 6 year statute barred limit and are trying to fool me.

 

Have Subject Access Request OR and they say they could NOT find the CCA and have sent the info to the DCA who bought the original alleged debt.

 

No default notice either in the Subject Access Request docs i was sent.

 

Am awaiting Subject Access Request docs from DCA also but they say in a letter "if we cant find the CCA the debt is unenforceable but we will send to collections dept to get money from you...".

 

I want to have the entry "moved from address without informing new address" and lots of u's from them going back nearly 8 years."

 

As the DCA theatened me with court action first letter from them, i sent a

FORMAL REQUEST FOR INFO CPR part 31.16 i sent this three times and they have not sent the "copy of the agreement of the alleged account".

 

Is that FORMAL REQUEST FOR INFO... counted as an LBA LETTER BEFORE ACTION ?

 

Can i now issue a county court claim against them for removal of the data from my cra file? Would i be following the correct court protocol?

 

I dont want damages or money just the removal of the data and their comments from the cra file as it is the only blip on an excellent cra file.

 

Any help on the simple wording to get a court order to have the cra info removed,and link to this wording to put on the N1 Court Claim would be appreciated.

 

And to ensure it is allocated to small track so they cant try and get costs out of me ( they have said in letter they will seek costs if i take them to court , the usual bullying threats from a dca).

 

So to recap,

 

they have not registered a default just "gone away no forwarding address.." and lots of u's on my credit file going back 8 years.

 

they have not found the alleged CCA , nor default notice.

they claim i made a £10 payment to my egg credit card 5 years and 8 months ago so they say not statute barred, i have no knowledge of paying this £10 and think original alleged creditor must have paid £10 from their coffee fund. ( Have written to the OC and DCA to ask where and when and by what method alleged £10 paid, but they will probably ignore my request).

 

Though the £10 payment shows on the egg statement sent to me as part of Subject Access Request.

 

Delighted if anyone can help, thank you

 

 

Thanks

Edited by scampy
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Hi All

 

Have entry on my CRA file " moved from address without informing new address" and lots of u's going back nearly 8 years.

 

No default though so that original default must have dropped off.

 

I have not acknowledged or paid the alleged debt for nearly 8 years.

 

DCA say i have made £10 payment 5years 8 months ago ( maybe they paid or alleged OC the £10 from coffee fund) as i did not i am sure pay £10.

 

So they may have craftily brought the alleged debt within the 6 year statute barred limit and are trying to fool me.

 

Have Subject Access Request OR and they say they could NOT find the CCA and have sent the info to the DCA who bought the original alleged debt.

 

No default notice either in the Subject Access Request docs i was sent.

 

Am awaiting Subject Access Request docs from DCA also but they say in a letter "if we cant find the CCA the debt is unenforceable but we will send to collections dept to get money from you...".

 

I want to have the entry "moved from address without informing new address" and lots of u's from them going back nearly 8 years."

 

As the DCA theatened me with court action first letter from them, i sent a

FORMAL REQUEST FOR INFO CPR part 31.16 i sent this three times and they have not sent the "copy of the agreement of the alleged account".

 

Is that FORMAL REQUEST FOR INFO... counted as an LBA LETTER BEFORE ACTION ? It would if you now wanted to apply to the court for a disclosure order, but would not count as an LBA for any other matter.

 

Can i now issue a county court claim against them for removal of the data from my cra file? Would i be following the correct court protocol?

 

I dont want damages or money just the removal of the data and their comments from the cra file as it is the only blip on an excellent cra file.

 

Any help on the simple wording to get a court order to have the cra info removed,and link to this wording to put on the N1 Court Claim would be appreciated. See link below for some ideas.

 

And to ensure it is allocated to small track so they cant try and get costs out of me ( they have said in letter they will seek costs if i take them to court , the usual bullying threats from a dca).

 

So to recap,

 

they have not registered a default just "gone away no forwarding address.." and lots of u's on my credit file going back 8 years.

 

they have not found the alleged CCA , nor default notice.

they claim i made a £10 payment to my egg credit card 5 years and 8 months ago so they say not statute barred, i have no knowledge of paying this £10 and think original alleged creditor must have paid £10 from their coffee fund. ( Have written to the OC and DCA to ask where and when and by what method alleged £10 paid, but they will probably ignore my request).

 

Though the £10 payment shows on the egg statement sent to me as part of Subject Access Request.

 

Delighted if anyone can help, thank you

 

 

Thanks

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/173208-successful-court-action-default.html

 

How much do they say is outstanding?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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The most obvious course of action is to try to hold them off for another 4 months, then take them to court for removal of the default.

As the £10 payment shows up on your statements it will be a case of who the judge believes on the day over the statute barred question, and I personally think it would be too much of a risk.

Unless there is some very pressing reason to get the entries removed from your credit file now, I think it would be safer to wait so that you'll have no CCA and statute barred to throw at them.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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