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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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    • 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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Redemption charge - Unfair


paulwlton
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Loan: was it residential? commercial?

 

The court has decided that a borrower who took out a loan on a property that was partly residential and partly commercial was a consumer. This meant that in that particular case, the Unfair Terms in Consumer Contracts Regulations 1999 applied. The lender was unable to impose an early redemption penalty as it was held to be unfair.

 

Evans v Cherry Tree Finance Ltd CA (Civ Div) 7 Feb 2008

 

As anyone got a link to this?

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An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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An interesting read but as I am in no way legally minded I am going to have to ask questions I'm affraid. Does this ruling therefore mean that all loans (mortgages) that used the rule of 78 to calculate the settlement figure have now been deemed as unfair and therefore if you challenge in court you will win and get a refund?

 

Is this common in mortgages because I paid one up in March or April 2004 so this may apply to me?

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An interesting read but as I am in no way legally minded I am going to have to ask questions I'm affraid. Does this ruling therefore mean that all loans (mortgages) that used the rule of 78 to calculate the settlement figure have now been deemed as unfair and therefore if you challenge in court you will win and get a refund?

 

Is this common in mortgages because I paid one up in March or April 2004 so this may apply to me?

 

Yes, a precedent has been set in the appeal court which means all lower courts are bound by this ruling.

 

Rule 78 is not as common now with mortgage providers preferring to use the monthly interest reduction clause.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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