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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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Yes they may take that into account when reviewing how much you are due to pay based on original loan & interest. Do you have any idea in your mind how long you think it might take you to repay and at what monthly rate or you looking to pay it in one go?

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That's good especially since your due amount is less than £200 so you would clear it by early next year. I've got a much higher debt and on £20 a month but have always put in more (am three months into it and have paid £100 so far). I will be able to increase this in Dec to hopefully clear the full loan by Feb.

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I have a 200.00 loan with these that is now 1300.00 and is with Mack Hall. Are you saying that I could expect Mack Hall to get my 1300.00 down to just initial loan plus one months interest? I have also just been served with a COurt otice from 1st Stop Pay Day can I contest this amount they are asking to just the loan plus 1 months interest

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Can you create a new thread with your info for 1st stop pay day please whoopie? We would need to advise on that seperately.

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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  • 3 weeks later...

Update: - My account finally transferred to Opos a few weeks ago, and tried to contact them via E-mail several times with no responses at all - just kept receiving the same stock E-mail from them asking for full amount (which is now £1774 I think) - This past Friday I decided to try calling and spoke to a very nice man, explained the situation to him and that I had made an offer to pay £500 to minicredit on more than one occasion (original loan plus 1 month interest) but been rejected.

 

He said he would take it to his 'client' Minicredit and get back to me, which he did less than 2 hours later, and agreed to the settlement of £500 to clear the debt. Obviously I asked for it in writing which came a few minutes later confirming the deal. So I sent the £500 to their bank account via bank transfer, and am awaiting written confirmation of the settlement on Monday morning.

 

Will update again once I have written confirmation that this is over. (and then I can ask your advice on the remaining 2 that I have and am getting nowhere)

 

Stick with it guys - seems eventually they do come around.....

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Received confirmation today that funds were received and also got the following letter too via E-mail:

 

22 October 2012

 

Opos Ref: xxxxxx

Client Name: Mini Credit (https://www.minicredit.co.uk)

Client Ref: xxxxxx

 

LETTER OF SATISFACTION

 

Dear Mrs xxxxxxxx,

 

Please take this letter as confirmation that the above account has now been settled in full and no further contact or recovery action will be made by Opos Limited in regards to this matter.

 

 

Yours sincerely,

 

 

 

Mr. xxxxxxx

For and on behalf of Opos Limited

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