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    • New thread started as you & LFI suggested.  It's best to have one ticket per thread, if not people get confused about which ticket they're giving advice for. Firstly, you have every right to be absolutely fuming at MFG.  You go twice and spend money - and what do you get?  A demand for £100!  Do the people who caused this mess resolve it?  No, they lie and mess you about.  No wonder you're so angry. However ... we're worried you’re leaving yourself open to accusations of theft (even though you made it clear the goods would be returned) and criminal damage.  If you take the initiative and approach the garage politely, (a) that covers yourself at least a bit regarding any possible criminal accusations, and (b) if the manager has a brain you two can easily sort everything out. I say if the manager has a brain.  They might try and play the hard case and stupidly put the blame on you.  Who knows. Anyway, how about sending this 1st class post on Monday?   Dear Manager, I am the person who temporarily took some non-perishable goods from the BP shop on Wednesday and left a letter. I have since calmed down and am writing this letter in a friendly, amicable way between adults without abuse or at all costs apportioning blame. What happened is that some time back I visited your premises at 3.15am to buy fuel.  I then revisited at 8.30pm the same day to use the shop. Afterwards I received an invoice from Euro Car Parks for £100 (discounted to £60 if paid within 14 days). What happened is that the ANPR cameras joined the two visits together and ECP issued the invoice for me staying an absurd 17 hours.  I mean you provide a good service but who would stay 17 hours! If you Google "double dipping" you will see that this is a continual problem in the private parking industry and the industry’s own Code of Practice highlights how steps should be taken to avoid issuing invoices in these cases. When I brought this to MFG's customer services' attention you refused to have the invoice cancelled.  I also visited you and again you were unhelpful. Please "take a step backwards" and put yourself in my position.  Say you visited a supermarket on a Saturday evening.  You also visited on a Sunday evening. Later you got a demand for £100 from a private parking company.  You politely asked the supermarket to intervene but they refused.  I think you would consider the matter unfair and you would be extremely angry with the appalling customer service. Anyone who has even a rough knowledge of the law knows that ECP are your agents, you called them in.  You are the organ grinder.  They are the monkey.  You can easily tell them to cancel this invoice. So i am writing to request an appointment with you in order firstly to return the goods which are yours and of course which I should never have taken.  I would like us to be able to speak in a friendly, adult manner. However, secondly I am not prepared to take all the blame for this matter.  I also request confirmation from you that you have had this unfair invoice cancelled. Yours,
    • well post it to youtube or facebook. so we can look at it.  
    • I've got it on my ring door bell footage I'm baffled! 
    • should have gotten your phone out and filmed them. dx  
    • its the OP's car PCN PARKING ON LOADING BAY NEXT TO DISABLED BAY - Local Authority Parking and Traffic Offences - National Consumer Service dx
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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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Hi guys

 

I'm new to this forum so I need a little help.

My sick father received a letter from 1st Credit ltd out of the blue and asking him to contact them as soon as possible.

 

The letter states; "1st Credit Limited is attempting to contact the above named address regarding a personal matter.

 

 

Your address been supplied as a possible address for our subject.

 

 

If you are Mr Blu, bluh Please contact our offices immediately on telephone number 01737235203

and quote the above 1st Credit reference number at which time further information can provided.

 

 

If you are not Mr Bluh, bluh If Mr Bluh, bluh is no longer resident at this address we would appreciate you calling us at your earlier convenience on 01737237376.

 

 

This will enable us to update out records and thereby avoid our contacting you unnecessarily in the future.

 

 

Please note this telephone is manned between the hours of 9am-5.30pm Monday to Friday.

 

 

Any information provided to us will be treated in the strictest confidence."

 

My father took out a £10k Bank loan 10 years ago and was paying for it until he got very sick and had to be hospitalized.

 

 

He moved couple address in these 10 years and he hasn't worked ever since due to illness.

 

 

He hasn't informed the bank of where he was all this time so I'm very surprised that 1st Credit located him somehow. :!:

 

I haven't replied to these annoying :mad2: people yet but I need advice on how to deal with them effectively?

 

Thank you in advance.

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Ignore them for the minute, another phishing letter!!

 

Check his credit files first, see what if anything is on their regarding this.

 

Which Bank was the loan with?

 

Welcome to CAG by the way!

 

Keep the letter, and send a copy of it to the FCA, this method of ''expert tracing'' went out with the square wheel, yet they still use it! Muppets!!!!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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just remember 1st cfedit are a DCA

 

 

DCA's are NOT BAILIFFS

and have no such legal powers.

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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AS BB advises - credit his credit file - Noddle is free and easy!! as a start

 

PMSL! I would never condone crediting your credit files! :thumb: Brilliant!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 weeks later...

IT Seems We are Back for Round Two with 1st Credit

 

This time around bank HALIFAX included it's letter with the 1st Credit letter together in the same post.

Please note that I did ignore the first letter and did not contacted them at all.

I'll read out what the HALIFAX is saying.

 

Dear Mr bluh, bluh.

We are writing to notify you that Bank of Scotland plc has assigned all of its respective rights, titles

and interests in the respect of the above referenced account (including the outstanding balance) to 1st Credit (Finance) Limited.

 

The total balance sold was £173.21, as at the date of sale 18/11/2013.

Any payments made towards your Bank of Scotland plc account after the 18/11/2013 will be forwarded to 1st Credit Limited

and will be deducted from the balance shown above.

 

Under the terms of this assignment, and as defined in the Date Protection Act 1998, 1st Credit (Finance) Limited,

is now Date Controller of your Personal Date contained in the records of this account.

 

1st Credit Limited has been appointed by the 1st Credit (Finance) Limited, to manage your account

and it is essential that all the future and correspondence regarding this account be directed to 1st Credit Limited at:

1st Credit Limited, PO Box, 278 bluh, bluh, bluh...

Please contact 1st Credit Limited to discuss repayments of your account based on your financial circumstances.

 

It's interesting where the £173.21 comes from because I was expecting a much higher figure

and why does Halifax keep saying "your bank" when the bank account been closed during the Dinosaur times? lol.

 

 

The 1st Credit letter is just confirming that they are the legal owners of the outstanding debt

and they also saying that it can be paid through using one of the automated options.

 

 

They also saying that I need to contact them for repayments affordability

and if I don't contact them, than I will be contacted by collecting agents about the repayments of account.

They are becoming a bit of a pest this 1st Credit, what's the next step should I take or should I just continue ignoring it? Cheers.

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neither letter is from Halifax

they are both from 1st crapit.

they are allowed to use the letterheads.

 

 

doorsteppers eh..

no powers whatsoever!!

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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1ST Credit have been writing to me for 8 years now, for a debt to HFC,

 

 

i have never responded, They threatened all kind of things, i still ignored, every so often the offered me a discount but i still ignored,

 

 

just before it dropped off my credit file, they offered me a 95% discount, i still ignored

 

As far as i am concerned, they just buy bad debts hoping to get something/anything,

 

 

I would ignore anything they send, unless it has Claim Form on the top

 

They still write to me now, every 6 months or so, 3 years after it became Statute Barred, Doesn't bother me :-)

Edited by colin11
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Would agree with colin11

- have been on my case for a Lloyds debt assigned to them

- written off by them a bought for pennies

- just ignored after asking for proof.

 

 

Suggest you do same.

Mine not yet SB so have to be careful.

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