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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
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    • 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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I defaulted on the loan in april & including the one months interest i owe £500.

I got a letter this morning saying i now owe them £715 & that if i do not pay they will pass on the debt. I knew it would be passed on but how do i stand with the DCA when they want payments for £715?

Any advise would be great :)

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laugh and laugh hard........

did you contact them in april, and offer a repayment plan??

Did they refuse????

 

These charges and their terms and conditions can be seen as unfair and unreasonable.

they wouldnt accept a plan for me, so i saved the money up over 3mths, called them and made payment. they said i owed charges.

 

I told them if they want the money for charges, they need to take me to court, and explain their unfair charges,,,,

Needless to say that didnt happen.

 

Call PDE and ask to speak to sally smith.... she was helpful after they sneakily tried to take £40 out of the debit card when i paid in full. (it got paid back to me within 60minutes)....

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Offer to pay back the loan plus one month's interest only and stick to your guns, whether it be the PDL or a DCA. They are not allowed to lump on unfair charges and would have their wrists slapped if it went to court. Just keep emailing them with an monthly offer - what YOU can afford. Remember, this is only a payday loan and although it's best to pay back the debt it goes way down the list! Priority debts like mortgage, council tax, rent, elec, gas and water come way way before this and you need enough to live on. Don't leave yourself short. As long as you keep in touch via email or letter then you will be ok. Take control hun and don't let them bully you x

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  • 2 months later...
laugh and laugh hard........

did you contact them in april, and offer a repayment plan??

Did they refuse????

 

These charges and their terms and conditions can be seen as unfair and unreasonable.

they wouldnt accept a plan for me, so i saved the money up over 3mths, called them and made payment. they said i owed charges.

 

I told them if they want the money for charges, they need to take me to court, and explain their unfair charges,,,,

Needless to say that didnt happen.

 

Call PDE and ask to speak to sally smith.... she was helpful after they sneakily tried to take £40 out of the debit card when i paid in full. (it got paid back to me within 60minutes)....

 

don't suppose there's an email address for this sally smith that anyone has got?

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