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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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CFO Lending cleared my bank account


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Be prepared to follow it up immediately once the 7 days is up with a court claim, and keep a close eye on the claim online so you can make sure you go to the next step as soon as each timeframe ends.

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

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Just raised the Stat Demand against CFO Lending Limited company reg 06736553 which will be sent registered post tomorrow, really need the money but almost feel as if the better outcome would be for them to ignore me for 3 weeks so I can actually invoke the winding up order, that would do everyone a favour.

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Posted the Stat Demand to CFO Lending on 5th June 2013 Recorded Delivery. The tracking system is showing that the letter is still with Royal mail 7 days later, can only guess that CFO refused the recorded delivery knowing what it was as I had emailed them a copy 4th June.

 

Do they have to accept the recorded delivery before the stat demand is considered served as I am determined to follow through with a winding up order if they don't pay up, if only for revenge for the hell they have put us through. Paid no bills this month as they took almost every penny of my monthly wages and no food money?

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Royal mails online system is notoriously slow to update. If you have a tracking number go to a post office and ask.

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 months later...

Hi this happened to me yesterday. I had a total of £886 taken from my account.

 

All I can say is be persistant. I phoned CFO to no avail, spoke to numerous call centre staff who were rude and not very professional at all. I ended up in contact with customer relations manager and had two of there staff suspended due to horrid work manner.

 

I then got on to Barclays, it took me a total of 8 hours, I demanded my money back, which I got. I then asked if I could fax a letter to state I did not want the bank to let cfo take more money from my account. It does not need to be done by letter they said my verbal agreement was fine.

 

Like all posts, the bank were saying they couldn't do it, blah blah blah, they can do not come off the telephone till you get the answer you are looking for

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