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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
      • 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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Bit of background info first. To cut a long story short, I owe United Utilities around £900. This was because 3 years ago when I was working, I had my tax credits stopped, as they said they overpaid me and I never sent any info to them. I did, done it online, and had a letter from them, thanking me for sending me this information online! Anyway, at the same time, I had an attatchment of earnings on my wages for council tax, of £120 a month. As you can imagine having the tax credits stopped, at £190 a month, and the AoE, this gave me a bring home pay of around £400 for a months full time work. All my bills slipped, plus was paying £65 a month council tax, on top of the £120 they were taking off me!! This is what got me into the mess I am in now.

 

Intrum Justitia are now dealing with the water bill, and I am paying £15 every two weeks out of my JSA. They keep trying to make me increase the payments, and I just say no, can't afford it. Anyway, I was working out, I'd end up paying £360 a year back, leaving me with an oustanding figure of around £600. Then, United Utilities add the next years bill on, so up it goes again to £900!

 

I've just printed off the form for the United Utilities trust fund, and added a letter with a bit more information on it. Now, what I need to know is, do I tell Intrum I have applied for this, or keep quiet and wait? I need to call United Utilities tomorrow and find out my account number, seeing as I only have a ref number from Intrum. I have to call Intrum tomorrow as well, as I need to make a payment of £30. I was thinking of holding back this payment, as I'm sending the form off tomorrow.

 

Does anyone think I should make the payment, or not, and when they call, tell them I'm applying for the trust fund? It says on the trust fund site that when you contact United Utilities, and tell them you're applying for the fund, they put a hold on your account until you hear the outcome. United Utilities may be ok with that, but I'm sure Intrum won't.

 

I just want this massive debt off my back. Even wrote in my forwarding letter to the trust fund that I will set up a direct debit for future water balls, but only with United Utilities, and not the DCA.

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I think you are paying too much already.

Call them up for the account number but send IJ a recorded delivery letter with the account number, telling them the account is now on hold until the trust fund decision.

IJ can not demand you pay anymore than a token ammount for any arrears if you are on benefits.

Tell them the way it is going to be, never ask!;¬)

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am i doin this right lol...my boyfriend got a letter from morcroft debt folk saying he owes 400sqwid for unpaid water bill at a certain addy but he as never lived there..do we contact them or just iggy them thanks

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am i doin this right lol...my boyfriend got a letter from morcroft debt folk saying he owes 400sqwid for unpaid water bill at a certain addy but he as never lived there..do we contact them or just iggy them thanks

 

 

start your own thread!

 

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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