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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.

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      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.
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      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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Black Horse Car Finance Charges


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Hi, I had a car on finance with black horse that was recently voluntarily terminated. When I first phoned to enquire about doing this I was told there would be nothing to pay.

Now after the car has been sold they are saying I still owe them £200. I know its not a lot but its more the principal that is annoying me.

I've have asked for a full statement, which they have supplied. There were quite a few late payments, for which thay have added a £25 charge each time. Is there anything I can do about this? I was quite happy just to let the car go and let that be the end of it. There was no ppi so far as I can see and the account was not in arrears at the time of termination.

 

Thanks for any advice.

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Hi

 

You can claim those charges back...have a look at the notes in my signature about charges reclaims.

 

Who is the DCA....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

 

ims

 

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Hi

 

You can claim those charges back...have a look at the notes in my signature about charges reclaims.

 

Who is the DCA....I would reckon they have been appointed to collect rather than having been assigned the debt. If they are just acting for BH then ignore them

 

ims

 

Thanks for the reply. The dca is Nationwide Collection Services, in Edinburgh, which seems a bit odd if BH are in cardiff. The letter states 'Your agreement with BH has been referred to us for collection...'

I can't actually see a signature on your post, probably just me being a bit thick

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  • 2 weeks later...

Thanks for all that.

I sent a letter last week asking for the charges to be refunded, and stated quite clearly that I do not believe the amount of the charge is fair in the actual cost to them for a late payment. I got back what I guess is a standard letter saying they don't uphold my complaint as the charges were for paying late and they are in the terms of the agreement, and I was welcome to take it up with the Ombudsman. No where in their letter do they attempt to justifiy or explain the amount of the charge.

What should my next move be?

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Hi

 

Ok so that was your preliminary letter so the next step is a 7 or 14 day lba....pretty much the same as your prelim but headed "Letter Before Action" and with a final paragraph that of they don't refund you then you will issue in court without further notice.

 

Make sure you do a spreadsheet of the amount you are claiming and attach it to the letter...here is the relevant sheet

 

CISheet v101.xls

 

Having read up on the interest tutorial you need to decide what interest you are going to apply

 

ims

 

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  • 2 weeks later...

OK, got a letter back offering to refund me £175, which considering the full total is over £600, I find pretty insulting.

What do I do next? Is it worth sending them a counter offer of about £400 to settle? Or should I write back to them at all and just issue court papers?

Thanks again for the advice already recieved.

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Hi

 

OK thanks

 

So the next step would be issue in court if you want to get all of the charges and interest back.

 

If you haven't already done so, I would start reading up on court claims to get these charges back

 

ims

 

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  • 5 months later...

I am experiencing a similar problem. I see now why my account has gone from BH to Nationwide and now BH again. They are chasing me for £5000 , which is just interest and charges. The vehicle, a motorhome was repossed within the first two years of the ten year loan ( which is now), I have paid the cost of the vehicle plus interest and yet they still want this £5k I am retired now, and my partner has made me realise what a disgrace the whole agreement is, but I just want to end it now. I am retired and feel they have had enough out of a debt that wasn t really mine in the first place.

The Financial Ombudsman could n t help, although sympathetic they said it was unregulated, CAB managed to get them to freeze some charges, ( that later crept back) and solicitors just don t want to know. So reading here to see what course of action I can take to end it all and live in peace of their phone and letter messages. They threaten my credit rating and extra charges, but its not listed on my credit profile, and they admit that since the repossession they do not record anything.

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