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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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Swift Advances-whats the best way to deal with them?


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Ive read a lot of threads concerning Swift and they seem to try to be a law unto themselves. We have a secured loan with them, had a repossession hearing last year and since have been making the monthly payment plus a bit eatra off the arrears.

 

Now we have an offer on our house and provided the sale goes through ok hope to get them off our back.

 

I am writing to them to get the settlement figure. Having looked at the paperwork we have it only gives examples of how much we have to pay on early settlement if either a quarter or half the term has run. In our case it was over 20 years andd we have only had the loan for 4 years.

 

I have just read on another Swift related thread that they should only charge a months interest if you settle early. Is that the case in general or is there more to it. Im not mentioning in the letter that we have found a buyer for the house but I dont want a nasty shock if they think they can add years worth of interest to the settlement figure. We need to know what the figure is because if they do pile a load on we could come out of this with very little equity and we need to be able to put down a rental deposit.

Would I be wise just to ask for the settlement figure or should I be asking how they arrive at it, or, should I also be doing SAR request?

 

Thank you for reading this far!

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If you have all the original paperwork, somewhere in there it will say how settlement is calculated.

Just ask for the full settlement figure from them and see what comes back, there is usually a breakdown of how figure is s arrived at when it is supplied.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Thank you both for the replies. In the orig paperwork it only gives examples of how much you will oay back if you have completed repayments for a certain length of time.

 

I was hoping there was some sort of set standard as to how much they are allowed to take back rather than them just being able to pluck a figure out of thin air.

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Thank you both for the replies. In the orig paperwork it only gives examples of how much you will oay back if you have completed repayments for a certain length of time.

 

I was hoping there was some sort of set standard as to how much they are allowed to take back rather than them just being able to pluck a figure out of thin air.

 

 

was the loan under £25K?

Consumer Health Forums - where you can discuss any health or relationship matters.

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