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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
      • 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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OMG I really won!!


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Hi guys, i've been quietly browsing these pages for the last couple of months and taking the advice in and drawing up my letters.

 

First letter was met with the standard "default" letter saying I signed up to this and that etc... Second letter was drawn up on 11-06 and i expected them to say stick your claim up where the sun dont shine.. sideways! got home today to find the repsonse with them agreeing to pay me £2000 of the £2400 they owed me. Under my currecnt cirmustances Im going to bite thier hand off and take the money.

 

My only concern is that I have a managed loan with HSBc and a tad scared they will transfer it to pay some of that of. If I ask for a cheque and cash it into my hsbc accout can they legally use it for the managed loan? Is it safer to open a new account with another bank?

 

Thanks in advance

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They might try and offset the payment against the managed loan, my husband has got a managed loan and he thinks they are going to offset the loan with the money, but the money is far far more than the loan.

 

One question though before you accept their offer, did they make you take out a managed loan because of their charges?? If so, you could add the interest on the loan to your claim and receive more money back, we have done this with my husbands claim and we have added an extra £770 to his claim plus £900 of interest (8% court interest), his total claim is now £4165.15 (interest, court costs, loan interest etc) and they offered £1980 against his original claim of £2373.

REFUNDED

Hubbys - HSBC £4,165 paid 18/8 after MCOL issued :)

HSBC - £651 paid 18/8 after MCOL issued :)

HSBC - £147 Prel 7/8, LBA 21/8, MCOL 6/9 £241

Hubby Halifax - Prel 29/7 £215, LBA 21/8, Offer rec. £110 22/8, MCOL 6/9 £298

Abbey - £2758 - Prel 26/6, LBA 10/7 - MCOL 26/7 £3,391, offer 25/8 £1,755.94, paid £3567.32 after Case manag hearing

Barclays - £675 Prel7/8, LBA 21/8, offer received £300 MCOL 6/9 £998 - Paid £1,012 before going to Court

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One question though before you accept their offer, did they make you take out a managed loan because of their charges??

 

Hi Tigs,

 

No the loan was due to the fact I took out a credit card to go to Florida and I couldnt afford to pay it back so I got a managed loan to cover and have mangaeble monthly repayments.

 

I think it maybe best to open a new account with another bank and put it there perhaps?

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Well, since I don't know what a managed loan is, your answer doesn't tell me anything, I'm afraid.

 

If it means that you fell in arrears at some point and agreed a different repayment plan with the bank, the odds are that even if you ask, they won't send you a cheque and offset it against your debt.

 

On the other hand, if what you have is an ordinary loan, there is no reason for them to offset, as it is a separate credit agreement, and the money would go into your current account, or by cheque.

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