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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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The Funding Corporation - Reduced payments


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Another query

- the BOS signed on the day of purchase and signed by the car finance rep states that

"The Borrower will pay to the lender the principal sum together with interest at the specified rate by 59 equal monthly payments of £280.60

the first of such payment is to be made on or before 10th Nov 2011" this comes to £16 555.40

 

However the Credit Agreement signed by myself on 10 Sep and by TFC on 19 Sep says the following:

 

Total amount to be repaid by 1 monthly repayment of £250 1 month after the date of this credit agreement

followed by 58 monthly repayments of £280.60 2 months after the date of this credit agreement

followed by a final repayment of £475.60 payable 1 month after the last of the previous repayments.

This including the £200 deposit comes to £17 200.40

 

There are therefore two different agreements with two different amounts or am I reading it wrong?

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the BOS sig is sadly no longer an issue.

 

 

as for the calc, I think they are correct

TOR will pop in im sure

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The first agreement is for a lesser amount, this is the one I signed and the sales rep signed at the business premises. Just wondering why one mentions 58 repayments and the other mentions 59. The first does not mention anything about the £200 deposit of the final payment of £475.

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For some reason I am unable to download your attachments

However, I would forget any idea of being able to get the BOS declared void

Once this is signed and registered at the court, it's virtually impossible

 

You need to concentrate on keeping abreast of your situation

 

Here is the info you need as regards a time order should this become necessary

 

https://www.nationaldebtline.org/EW/factsheets/PDFs/06A%20EW%20Time%20order%20on%20an%20unsecured%20credit%20agreement.pdf

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

Any help I am able to give is from my own experience only. Should you have any doubt you should contact a qualified professional.

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