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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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Payday loans whilst sequestrated, help needed!


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Hello,

 

I was sequestrated less than a year now, however I needed to take a payday loan to pay for new bedroom furniture and kitchen appliances (they all broke within a week of each other). I have now got myself in the downward payday debt spiral.

 

I have currently 3 payday loans with different companies and now finding it hard to make ends meet.

 

Do I contact the solicitors that are managing my affairs regarding these payday loans or write to each Payday loan with a repayment amount? I am unsure what will become of this.

 

Any advice will be most appreciated.

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In the first instance, contact the solicitor. Then depending on what they say, we can advise more. The solicitors will be able to deal with them through the legal system and the PDL's wont be able to fob them off.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

Spoke with Solicitors dealing with my affairs, and they replied they can not help as these loans were made after I was sequestrated. As I am liable for these debts I should be offering a repayment amount for each loan.

 

What is my next step? Do I simply contact each PDL by email with a 3 - 6 month repayment plan whilst freezing interest and charges?

 

I have created a simple excel spreadsheet with all income and expenditure and has calculated how much I can afford to repay.

 

Current lenders, PDE £200, Lending Stream (x2) £400, WDA £362, CapFin1 £380.

 

I have already contacted my employer to arrange for my salary to be paid to a different account. I am quite happy to repay these loans , but with what I can afford.

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