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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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HFC PPI Help Please


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Hi

could i have help on this one with HFC way back in 1997 my husbabd took a loan with ppi , after a year my husband had problems to pay it , made a mistake on going through a debt mangementt co to help but distereous so the loan went through their solicors and ccj ,but the loan has been bumped on to a debt company and paying set amount snice , no other correspdence from HFC since then, until now as I irequest a ppi refud which i found paerwork and they admitted mis selling. The leter from HFC say will not pay direct ppi back to DH because he breach the agreement with them going into arrears those years ago ! what is the situation with HFC i know thay were scruplious and we were niave with this thr is a balalnce still outstanding on the debt but good amount ppi to come back .

simple good advice would be appreciated

thanks

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Hi

 

I've created a new thread for you and moved you to the PPI forum.

 

So HFC got a CCJ on this debt.

 

You say this has been bumped onto a debt company....which one? Is it a DCA or a debt management company?

 

If HFC still own the debt then they can set off the PPI refund against the account. If they sold the debt then they can't.

 

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Just had a letter from DCA owed by Robinsonway they are now owned by HOIST group ? as i said no corresspondence from HFC until my request of a refund so im in limbo for PPI refund as they wont pay although they admit mis selling ..................

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Check your credit file to see who actually owns this debt.

 

Noddle is free

 

https://www.noddle.co.uk/

 

How this PPI refund will be dealt with depends on who owns the debt.

 

As I have said, if HFC still own it then they can set the refund against the balance owing on the account.

 

If another company owns the debt then they cannot.

 

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