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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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newbie, advice needed..


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Hi,

My mother was going through some old paperwork that she had and found - http://i871.photobucket.com/albums/ab276/kiltedman/ppi1.jpg

 

it says on it - first national bank protected payment plan. is this ppi?? and if so could she claim it back. she is looking for any other paperwork she had but cant find any statements.

 

thanx in advance for you advice.

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Certainly looks like it read the section regarding the cover provided

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If it was mis-sold then yes you can claim it back.

 

It appears to be linked to a loan and it would be good of she could find the loan agreement because then you could broadly work out what is due back.

 

FN are now GE Money and they can be a tough one to crack.

 

See if she can find that agreement because due to the passage of time the lender may have destroyed their papers on this if it was paid off more than six years ago.

Edited by ims21

 

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Hi ims21,

 

we have talked in the past I am in a similar situation as above I have all Paperwork. I have the exact same pice of paper as above also.

 

Unfortunatly Like I suggested in past that tried to ring them and GE fobbed me off. I don't know where to put claim into is it the above company that is Bennet Gould & partners, or GE Money I paid this debt for 10 years and found out insurance was only for 5 years I wasn't aware of that. Also in theory is it right I borrowed the money off First National (GE Money) as they said NO!!!! Interglase (window Company) actually borrowed the money and as far as Im aware they went bankrupt so I'm so confused can you help

 

Regards

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Dear ins 21,

 

Forgot to say that above piece of paper (photo bucket) PPI, states the premium including IPT is £548.65.

 

However on First national Credit agreement it says

 

Insured Party me

A premium loan facility £548.65

B Monthly repayment £9.50

C The first payment bla bla

D No of payments 119

E Rate of interest 1.4%

F Apr 18.2

 

Confused as 119x£9.50 is more than £548 we actually payed for 10 years can you make any sense of all this????

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