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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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Charged for a loan she never had?


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Hi guys.

 

Hoping you can help my mother here. She's currently living in a Caravan which she owns after relocating to North Wales. However, she is on a low income, and her partner can't get a job. She's strugglling to pay the caravan site fees and can't get tax credits as her last wage from the previous year was too much (her new rate is 6000 less)

 

So she is struggling, and needed a loan. She has bad credit, so went to Loans4u as they virtually guaranteed it at a rate she could afford.

 

She got a call, telling her that the loan was agreed. Everything was fine, the money would be in her bank in 3 days. They just needed an admin charge of £49. She assumed this would be fine, she was going to get 1500 which was enough for what she needed. Gave them her details.

 

two days later, she received a letter in the mail. Telling her that the loan will be agreed when she has a guarantor who is a home owner with good credit. She knows no one like that. She has no available guarantor. So she can't have the loan. That was a bit of a crapper.

 

She then went on her bank online to see if her latest payments had gone out for her phone bill, and found a £49 charge for the loan! despite not giving it her, not processing it at all because she had no guarantor they still charged her. When she phoned them, they simply said it wasn't their office which deals with the charges and said she would need to find out the details for that company and call them. Just passed the buck and gave her no help at all.

 

What can she do? is this even legal? they specifically said on the phone that she had it and it would be in the bank in 3 days... they charged her for it's completion when it wasn't at completion. What can she do?

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this is totally unlawful

 

if she paid by card

contact the bank and get a chargeback done

http://www.consumeractiongroup.co.uk/forum/showthread.php?329814-Charged-for-a-loan-she-never-had

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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