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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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PPI Claim


Stu-
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Hi All,

 

Ive been going through all my accounts lately to see where I currently am with my finances and noticed something on my Egg account which i think i really need to sort out.

 

A bit of back ground info;

about 7 or so years ago I had an Egg credit card, being young with new found spending power i went a bit silly and spent over my means, I couldnt afford the repayments and started getting charges. After a lengthy call to Egg, they suggested me cutting the card up and them giving me a consolodation loan, which i have been religiously paying ever since. While at the time i was greatfull for egg offering me the loan as it helped me out of a hole and start getting back on track, looking into the account a little deeper i can see a few problems.

 

Firstly, to help me manage the payments they put me on a '7 year term' for a loan of £2900. Admittedly i should have looked further into this as i would have probably seen that i could have cut the loan short by a few years and the repayments probably wouldnt have been greatly increased over what they were. I know there isnt exactly anything i can do about this but its annoying all the same.

 

Now I believe i can do something about the PPI, which i was led to believe i needed to obtain the loan. Looking into the detail of my loan, the PPI was also on a loan basis @ £730, which i assume i would have been charged interest on this (10.9% apr).

 

I only have £430ish left to pay, but the loan doesnt mature until the last quarter of 2012, so alot of this is obviously interest too.

 

From reading a few posts i can see that Egg dig their heels in regarding PPI claims by saying they cant miss sell due to it being automated and you clicking that you want the insurance, now my case is different as the account was dealt with over the phone.

 

Do i have a good case for refund of PPI paid? And would my first step be a SAR?

 

Thank you in advance for any help you can offer me

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  • 4 weeks later...

Hey Stu,If your loan is over 7 yrs old, EGG won't send you anything even from a SAR. They cashed the PO for a tenner that I sent them, then they replied in a letter that they have no records over 6 yrs old and therefore it is their policy not to look into PPI claims on loans older than 6 yrs.I am about to fight them, if I can get some help. I started a new thread today :)

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