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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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Marbles - who do I write to?


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So who owns Marbles now? I have a letter from Halifax (address Fife) stating my account is now satisfied but it was actually sold on 2 weeks later, I think by BoS who owned Marbles at one point or still do.

 

Do I write to Halifax, HFC or BoS?

 

 

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who makes your marbles?

Your marbles card is issued by Progressive Credit Limited. The marbles brand, which is licensed to Progressive Credit Limited, is owned by Aviemore Funding Limited.

Progressive Credit Limited is registered in England and Wales No. 7297722. Registered Office: First Floor, 11 Tower View, Kings Hill, West Malling, Kent, ME19 4RL.

Progressive Credit Limited is authorised by the Financial Services Authority under the Payment Services Regulations 2009 (register reference 555318) for the provision of payment services. Authorisation by the Financial Services Authorioty can be reviewed at: www.fsa.gov.uk/register

Progressive Credit Limited is subject to the Financial Ombudsmen Service and is licensed by the Office of Fair Trading under the Consuemr Credit Act 1974, licence number 638085.

Your marbles card account is managed by SAV Credit Ltd (which is part of the same group as Progressive Credit Limited). SAV Credit Limited is registered in England. Registration No: 4134880. Registered Office: First Floor, 11 Tower View, Kings Hill, West Malling, Kent, ME19 4RL. SAV Credit Limited is licensed by the Office of Fair Trading under the Consumer Credit Act 1974, licence number 510571.

These pages and the credit cards offered on this site are for people who are resident and ordinarily resident in the UK. The information set out in these pages should not be regarded as an offer or invitation to sell financial products outside the UK.

 

 

 

 

As of April 2007, applications are no longer being accepted for the Marbles credit card. The card issuer, HFC Bank, a limited company within HSBC, has not closed the existing accounts for the over 2.5 million cardholders in the United Kingdom. The following benefits are still available for those that continue to hold a Marbles credit card

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