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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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logbook loans have reported my car stolen. help plz


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just had a phone call of solicitors, civil litigation will not get legal aid, but their criminal department is going to phone today the civil sol said if there are discrepencies in the agreement then the police have taken my car unlawfully, and they will get it back but i will still have to pay loan, he told me they can not comment till seen paperwork, i found my paying in book with stubs in stamped off the bank, waitin on call now.

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hi trooper do you know if cctv as been about ive left him inbox, i have an appointment with solicitor on wed, he as info for them, just a bit worried haven't heard from him

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been solicitors today, they try to contact police officer in charge, left message at station for him to get in touch, he will then call me see wat happens. feeling a bit pessimistic if i'm honest

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been solicitors today, they try to contact police officer in charge, left message at station for him to get in touch, he will then call me see wat happens. feeling a bit pessimistic if i'm honest

 

 

Don't worry bud, you have done nothing wrong...you may find they are up to their necks in it.

 

trooper68

Trooper68:)

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Not a problem, its more likely that the Police are trying to sort a the S*itstorm they are in, they do an internal investigation, you will get a visit from a senior officer over tea and bikkies and the cps will drop it quietly.

Don't let this slip, they are in the wrong...

Did you complain to the IPCC?

As for LBL and thier agents are pointing fingers at each other as they know they have gone to far...

 

hang in there..

 

trooper68

Trooper68:)

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Please find attached copies of the Default and Termination Notices issued prior to recovery of your vehicle. I have also attached a copy of the Notice of Default Sums letter which serves as a notice of impending repossession action.

While you are correct in your assertion that your agreement was regulated under the Consumer Credit Act 1974, I must advise you that an agreement secured by way of a Bill of Sale is not considered as a “regulated hire-purchase agreement, regulated conditional sale agreement or regulated consumer hire agreement” and the section of the act quoted does not therefore apply in this case. No court order is required for recoveries undertaken under a Bill of Sale.

Finally I should advise you that consumer credit legislation is extremely complex. If you do require any further clarification over this or any other point of law I would urge you to seek professional legal advice.

Yours sincerely,

Christopher De Bie

Professional Standards Officier

just recieved that from lbl now, any suggestions,

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Please find attached copies of the Default and Termination Notices issued prior to recovery of your vehicle. I have also attached a copy of the Notice of Default Sums letter which serves as a notice of impending repossession action.

 

While you are correct in your assertion that your agreement was regulated under the Consumer Credit Act 1974, I must advise you that an agreement secured by way of a Bill of Sale is not considered as a “regulated hire-purchase agreement, regulated conditional sale agreement or regulated consumer hire agreement” and the section of the act quoted does not therefore apply in this case. No court order is required for recoveries undertaken under a Bill of Sale.

 

Finally I should advise you that consumer credit legislation is extremely complex. If you do require any further clarification over this or any other point of law I would urge you to seek professional legal advice.

 

Yours sincerely,

 

Christopher De Bie

Professional Standards Officier

 

just recieved that from lbl now, any suggestions,

 

 

 

HaHaHa Chistopher De Bie. i have a court transcript of him getting his nuts chewed off by a judge.

 

keep that letter for later. phelo. i have again tried talking to wolton police ... they keep saying the officer is out. you need to know who has the car you may need to get a solicitor to ask the police were it is.

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please help took out logbookloan with mm year ago had no problems then lost job but us still paying them , had to sell car for us to live , got back in work still paid until june when lost job , they not reduce payments , so almost 3 mth behind they want car back or 1,400 today. i have just started new job and asked for repaymeny plan , they said no , debt collectors now following me and going to my work , and my home at 6 am i,m scared plz help

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please help took out logbookloan with mm year ago had no problems then lost job but us still paying them , had to sell car for us to live , got back in work still paid until june when lost job , they not reduce payments , so almost 3 mth behind they want car back or 1,400 today. i have just started new job and asked for repaymeny plan , they said no , debt collectors now following me and going to my work , and my home at 6 am i,m scared plz help

welcome to CAG

sorry i cant help you with your problem but hang in there help will arrive

 

it would be best to start your own thread with your problem this link will take you to new thread starter

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?203-Log-Book-Loans-Bills-of-Sale

 

if the link doesn't work post back here and someone will sort you out

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  • 2 weeks later...

Hi Buddy

 

The police should give you your car back, ASAP, unless they let it go to LBL....then oh dear...

What of the IPCC complaint? You could argue with your case unlawful detained- Did the SOL mention anything on the case so far other than the police have dropped it, it was not the police it was the CPS that dropped it, otherwise the Police would have dropped it the FIRST day-

 

 

trooper68

Trooper68:)

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police had it last i asked officer in charge he said he would get back to me, he never. cps did drop case. i'll go to station but my gut feeling is they have let it go to lbl. will let you know asap thanks guys

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what can i do if lbl have my car, the dickhead policeman is unsurprisingly not around, any help would be appreciated

 

 

Phelo. you will need to go back to your solicitor. and get him to ask for the return of your car or were it is. phelo in your posts you say the police took your car. if this is not the case and it was lbl then your car has gone they would have sold it 5 days after they took it. you need to talk with your solicitor. your solicitor must have contacted lbl at some stage. what was the outcome of that ???

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