Jump to content


  • Tweets

  • Posts

  • Our picks

    • 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
      • 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
        • Like

LOG bOOK LOANS HELP ME TO FIND STEPHENSONS SOLICITORS


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5814 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

i TOOK OUT A LOAN IN MAY 2008 WITH THESE PEOPLE AS WAS IN A DIFFICULT TIME FINANCIALLY, I RECIEVED A TOP UP LOAN LAST MONTH I WAS NOT NOT ADVISED ABOUT THE INTEREST OR BILL OF SALE AND NOW WANT £8000 IN INTEREST ON £1700 LOAN. I ONLY RECIEVE £50 CARERS ALLOWANCE A WEEK AND THIS DOESN'T EVEN COVER THE WEEKLY PAYMENT OF £51.86 I AM A CAREER FOR MY DISABLED MOTHER AND DO NOT KNOW WHICH WAY TO TURN IF THE TERMS AND CONDITIONS AND INTEREST WAS EXPLAINES TO ME AT TIME OF LOAN I WOULD NEVER OF TAKEN IT. pLEASE CSAN SOME1 HELP ME FIND THE SOLICITORS FIRM CALLED STEPHENSONS SO I CAN CONTACT THEM FOR HELP . mY CAR IS NEEDED TO GET MY MOTHER TO HOSPITAL AND THERAPY I CAN'T LOSE IT.

Link to post
Share on other sites

Contact Us - Stephensons Solicitors (Leigh, Wigan, Manchester, Bolton, St Helens) - Family, Commercial Law, Conveyancing

 

Sorry you took a £1700 loan and the interest is £8000 and you took the loan out this year, not great at maths but thats an interest rate of about 475%

 

If the car is used as part of your job and I assume you are a registered carer then they cant touch it in my opinion

Link to post
Share on other sites

Your opinion is wrong IMHO, unfortunatly Bills of Sale were originally intended as commercial loans* (i.e. loans to business people) and there are few restraints on them.

 

I would suggest contacting the national debt line in the first instance, it seems to me that the loans terms probably fall into the unfair relationships clauses of the consumer credit act 2006, but you MUST get professional advice.

 

Have you got a copy of the credit agreement / bill of sale? Scanning it up minus your personal details would help us.

 

 

* it's important to note that when the original Bill of Sales acts came into force, they could only be used on an amount of money that was equivalent to a mortgage on a very large house, unfortunatly the act did not include inflation.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

I have an hospital appointment today will upload copy as soon as possible should be tonight or 2moz can i send it privately as do not want every1 reading them.

 

thank yu for taking time to help am so worried making myself ill.

Link to post
Share on other sites

We don't need any personal detail, i.e. no names, addresses, account numbers etc. Most people remove them. It IS best to have the rest of the information on the open forum, so anyone can check the advice given. If not, send them to a moderator, such as pt2537... it's best not to send them to an "ordinary" user as they haven't been vetted (in any case, I do not give out advice by PM or email)

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...