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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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FCE Bank (Ford Credit)


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Hi can anyone help?

 

Requested SAR information from Ford they refered back to the Ford dealership who do not answer letters, and when I call - hang up!

I have no paperwork but took out the finance in April 2005 - repaid 2008 and had PPI added without my knowledge.

 

Where do I do from here?

 

Experian shows loan with FCE Bank but not he account details.

 

:!:

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Hi

 

A SAR to Ford Credit has to be responded to by them and they MUST let you have the data they hold on you.

 

Have you had a written response from Ford Credit? If so what did their letter say?

 

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Hi,

 

Letter said as they were not present during the transaction they cannot validate what took place and referred me back to dealership.

 

This was the full £10 disclosure letter I sent and that was their response with return of cheque - is thsi allowed?

 

Hippo

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No it isn't allowed.

 

Send it back to them and demand that they provide you with the data they hold on you or else you will make an official complaint to the ICO and may issue in court to force compliance.

 

Remind them that they are in breach of the Data Protection Act

 

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  • 2 weeks later...

Hi, I wrote again to FCE bank requesting full SAR and enclosing payment, their letter reads as follows :-

We are unable to loacate any reocrd of a finance agreement with the information you have provided.

Please therefore find enclosed your request along with your cheque paymnet.

Should you be able to supply an alternative accoutn number or vehicle registartion number which will enable us to locate an agreement we will be happy to supply the information that you have requested.

The information will be sent following receipt of another reuqest, fee payment and signed customer authority.

 

Just signed customer services.

 

They had the car reg and FCE shows on experian as the lender.

 

where do I go from here?

 

regards

 

Hippogirl

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Failed SAR letter in the CAG library.

 

They should be able to trace you by name and addresses only.

 

Enclose your original SAR and the payment with the failed SAR letter.

 

Tell them that you will be reporting to the ICO and may take legal action to force compliance.

 

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