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    • No particular relevance – but always interested to know what university students are studying. I have known lots of criminology students – but I have never heard of a degree which involves criminology plus counselling. I hope it works well for you. What about the answers to the rest of the questions?
    • Yes im going to university in September studying criminology with counselling, not sure what this has to do with this topic. Not being rude, just confused haha 😆 
    • Dx no matter how long I live and how much more I learn in the meantime I will never be able to match your level of subtlety.🙂
    • I understand that you are intend to go to university in September. What are you proposing to study?
    • Okay, I'm simply trying to piece things together so that we have the story in one place. 18th of April you purchased the vehicle 31st of May it broke down. – Although this is beyond 30 days, it is still within six months but I haven’t seen that you have sent any kind of letter of rejection yet. Is this correct? You approach the dealer about the breakdown but rather than stepping up to their statutory obligations under the consumer rights act, they said you should go through the warranty. Have you purchased a warranty? How much did it cost? Who sold it to you? You paid money for a diagnostic which identified the timing belt as the problem. Warranty company declined. Why is this? What is the name of the warranty company? The dealer has now offered you a replacement vehicle which she has advertised for £1295 – about £500 less than you paid for the original car, but the dealer had said that if you take advantage of this, he will want an extra £500 – which would mean that in total you would have paid about £2300 for your car. Is this correct?   On the basis of advice from us you have now recorded a call which confirms that they want you to go through the warranty company and also confirms that they will give you a replacement vehicle but only on an additional payment of £500. Is this all correct?   You have also incurred first expenses as well as being affected by stress also inconvenience and have had to cancel a holiday. He has now said that he will see if they can be a straight swap – your broken down vehicle for the £1295 vehicle without the £500 payment but only on condition that you use them to service it at a cost of £200 each time. You have evidence of this – is this correct?  
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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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      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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 There,

 

Just a quick one!! I sent 1st Credit a CCA request back in Sep 2008 and they have just sent it to me today, 18 months on.

 

It is the true copy of it and is signed and dated June 2005. In my CCA request to them i advised of the time limits (12+2 days and 30 days) to respond otherwise they must remove it from my files as unsubstantiated.

 

The letter that came with my CCA advised they now see this as enforceable. Is this correct after so long or is there something i can do ??

 

All advice will be appreciated !!

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Hi There,

 

Just a quick one!! I sent 1st Credit a CCA request back in Sep 2008 and they have just sent it to me today, 18 months on.

 

It is the true copy of it and is signed and dated June 2005. In my CCA request to them i advised of the time limits (12+2 days and 30 days) to respond otherwise they must remove it from my files as unsubstantiated.

 

The letter that came with my CCA advised they now see this as enforceable. Is this correct after so long or is there something i can do ??

 

All advice will be appreciated !!

did you ever put the account in despute ????? after the 12+2 days for the cca exspired.
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Would it be possible for you to scan the documents received (after first removing all identifying details, including any barcodes).

 

June 2005 is within the dates that can be queried. Can you tell us who the original Creditor is.

 

 

Yes i'll try and get the documents scanned onto here so you can have a look.

 

The original creditor was HFC Bank.

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did you ever put the account in despute ????? after the 12+2 days for the cca exspired.

 

I wrote to 1st Credit on 17th Oct, 2008 to tell them the time had expired on my CCA request so nothing will be paid etc and the account was in dispute.

 

They wrote back 4th Nov 2008 saying they understand the 12 days have expired and that they cannot enforce it until the agreement arrives. They also said as a month has expired a offence may have been committed. However if it has this does not affect the rights and duties between us and "The Act" provides defences to any offence which they believe would apply.

 

Its all quite confusing to someone who doesn't usually deal with these people !!

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if the agreement is valid then they can enforce- even after all this time - as soon as they comply with s789 their breach ends-

 

however they MUST send you the terms and conditions as applicable at the time you entered the agreement

AND

 

copies of any terms and conditions as varied

 

AND

 

a signed statement of account

 

AND

 

it must all be "easily legible" o

 

 

otherwise they remain in default of s78

 

however, when they first were in default of your request 18 months ago they MAY have committed an offence

 

not sure when the date for removal of the offence came into force

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Images too small, could you please re-post larger.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert - Slick132

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Maroondevo52.............yet another case of OCs and DCAs having all the time in the world to produce documents,there is something wrong in law they have 12+2 days to comply before going into default and yet they have unlimited time to get out of the default,in this thread 18 months in my own case 13 months and still no signed agreement.There has got to be a time limit do you not think>>>>>>>>>>>>Firstship,,,,,,,,,,,,,,,,

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clairebear11....................before you re -scan your documents delete out your personal details,ie name, address, signature, account number,even though your first attempt is to small i can just about make out your signature etc....FS

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Clairebear, I've unapproved your attatchments, you left your name on the first one. Could you Blank it out and re-post please.

 

Thanks.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert - Slick132

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They wrote back 4th Nov 2008 saying they understand the 12 days have expired and that they cannot enforce it until the agreement arrives. They also said as a month has expired a offence may have been committed. However if it has this does not affect the rights and duties between us and "The Act" provides defences to any offence which they believe would apply.

 

 

I just can't believe they disregarded the amount of time they had and took 18 months to produce it. The above that i got in a letter from them about 16 months ago just goes to show there arrogance ! :mad:

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No, it's the opinion of someone who knows nothing about why the original poster has asked the question, nor what their situation is.

 

A look at your other posts makes me query what you are doing on CAG, because it isn't to help people.

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i dont think you are a troll, however you have posted only 10 times on the forum and whilst i am all in favour of people playing devils advocate (for they will face worse in court)- every single one of your posts seems to be a negative put down!!

 

if you want folk to respect your opinion and not consider you to be a troll- you could do worse than to actually encourage and debate matters a little more to build a reputation rather than make negative "pronouncements" all the time.

 

As far as your comments are concerned

 

there are no morals held by the lenders- they will happily rack up interest rates whilst base rates fall to almost zero and when debtors get into difficulties they will all too readily "fall back on" the terms and conditions of their agreements and insist that they are complied with

 

those who live by the sword must also expect to die by the sword

 

it therefore matters not one jot what decisions the debtor should morally take- if the terms and conditions (or lack of) or the creditors behaviour be such that they are in contravention of the regulations then tough titty

 

To quote many a lender " you agreed to be bound by the terms and conditions when you signed the agreement"

 

the answer to which is all too often not thrown back at them..............and which is........

 

 

So did you matey!!

Edited by diddydicky
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its not harsh to me- i am just pointing out that as a "newbie " you must understand that folk will be veryt wary of you due to your comments and the number of previous posters who have started out on the same tack

 

i hope you stick around if you have something to offer

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To quote many a lender " you agreed to be bound by the terms and conditions when you signed the agreement"

 

the answer to which is all too often not thrown back at them..............and which is........

 

 

So did you matey!!

 

Yeah....but now the lender has provided the agreement the debtor will need to arrange repayments, they can only pay what they've got though.

 

OP should send an offer in writing. I don't know if it would be wise to wait any more, now they've got the agreement they might be taken to court with it.

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