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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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norton finance loan


charlotte18
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Hello,

I have a loan with norton finance and over time have accrued charges and default notices.

the original loan was for 8000 and now has 4700 outstanding, 1500 of this is arrears.

 

I am now paying 50 over the monthly repayment to clear these arrears. Charges and defaults total 1300.

 

I noticed that charges dropped from 40 to 35,

 

when i questioned the company they said "in fairness to customers" so i feel that they have already admitted these charges are unfair.

 

Is it possible to claim these charges back?

 

I have successfully claimed back bank charges in the past but am unsure if loan charges can be claimed back in the same way.

 

I am also concerned about contacting the loan company while the account is in arrears.

any advice would be great

thanks in advance

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You might find that the unlawful charges plus interest will make a significant difference to the balance on the account.

 

And yes, loan charges are available for reclaim, i.e. late payment, telephone calls, unpaid cheque etc.

 

Use this spreadsheet to see what is due back to you.

 

CISheet v101.xls

 

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user error! the calculator has given me the interest figures now.

looking through the statements i noticed costs were originally £40 then in 2009 were reduced to £15 then this year increased to £35. Is this allowed?

can you tell me what i should do next?

thanks

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Next step is to send a preliminary letter of claim to the lender together with a copy of the spreadsheet.

 

There is a preliminary letter at post #31 here and although that particular claim was for a credit card, the principles are the same for a loan account.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?309037-Charges-older-than-6-years-***WON***-Compound-Int-t-and-**NO-SET-OFF**(1-Viewing)-nbsp

 

Also consider the interest rate you are using.....have a read of No.4 in my signature.

 

If they fail to refund then you would issue a "Letter Before Action" and if they still don't pay then you would issue in court.

 

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