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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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Update: Phoned QQ tonight after paying 102 GBP default charges by Paypal, rang them to pay off full amount via Paypal, they said they do not set up paypal for un-defaulted loans. I wish to pay off the full amount my husband offered to pay off the full amount with his debit card and they refused stating that payment would only be accepted by a debit card owned by myself. They will not allow a 3rd party payment, or send me a link for the Paypal account, nor will they accept a Standing Order payment. How the HELL am I suppose to clear this if they are being so obstructive??? If dont pay by tomorrow 29/09/10 I will no doubt incur further interest and default charges, Help and advice needed urgently.... My husband has suggested that we email QQ and tell them that unless they can provide us with an adequate means of payment tomorrow that we have no further contact with QQ and be willing to go to court to show that we have attempted to pay the full amount before the due date so as not to incur further charges and DEBT to myself... If anyone has suggestions on the next step, I will be grateful. Thanks CAGGERS :x

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Update: Hi sorry its taken a long time to get back, but finally after numerous emails QQ sent through a paypal link to pay the balance off, They would not send it until the interest payment was paid. Have managed to pay most of the loans off apart from one with Minicredit (See separate thread) Have got repayment plan with Lending Stream, and one more payment with Payday Express, (They were surprisingly helpful)!! I just want to say a really big Thank you for all the support and advice the people using this site have given me, could not have coped without it. And also have made a promise to myself, my loyal supportive hubby and kids that I WILL NEVER EVER use these payday loan vultures EVER again. Thanks everyone!!

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Hi , Regarding payday express , did you call them or negotiate by email , they wont agree anything by email with myself , even though their terms say comunication can be by phone / post or email . I have offered them a payment plan but they ddont want to know unless I call them .

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Hi jfk_8, I emailed them continuously but they didnt reply, then got an automated email stating that my balance had increased again, I was so mad I picked up the phone and called them, spoke with a really helpful lady and she agreed to send me bank details so I could make payments over 2 months for the amount I had borrowed originally, without any further interest, must say though, over the past months have paid more in interest than the original loan itself by rolling it over and over, so really they had enough out of me. Try calling, its worth a try!! Let me know how you get on..

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