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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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      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 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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Varooma Log Book Loan SHARKS!!!! Repossesion Order


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now know why Varooma hassle you to write your review 1 day after taking out the loan,

as obviously you will be happy with them at that point, but my god will that change.

 

I seriously don't know how these guys can trade let alone be a member of the CCTA & FCA

 

I fell into financial difficulty after taking out a £5k loan paying back £500 per month for 24 months,

I took out my loan in January 2015 and have literally just had to sell my £11k BMW for £7k so they wouldn't repossess my car.

 

 

They charged me over £3.5k in charges (not interest I’m talking about just charges) for according to them,

SMS Charges @ £1.5 per text,

one month they sent me 30 apparently,

Outbound call charges £5 per time,

Late payment charges £15,

Default Notice Charges £15,

Default notice reminder charge £15,

Final Demand charge £15,

Demand for payment notice charge £15,

Recovery handling fee £75,

Recover agent fee £475

(I SPOKE TO THE REPO AGENT AND HE SAID THEY DONT GET PAID UNTIL THE CAR IS REPOSSESED).

 

They contacted me to say the car was out for repossession and I tried to negotiate a payment plan,

however they weren't interested,

they wouldn't hold the repossession and demanded I paid over £3k in arrears that day

or someone would come to my work and take the car.

I was 1 month behind 1 month!!!

 

I eventually sold my car @ a £4k loss just to pay these loan sharks.

 

In total I borrowed £5000,

I was 8 months into my loan and had paid back £3481.92 which was £518.08 shortfall (1 month )

and they forced me to pay back another £6857.13 even though I was settling my loan 15 months early.

 

 

In total I paid them loan sharks £10338.92 for a £5k loan and only had it 8 months,

that's £5338.92 profit in their back pocket.

 

They target the venerable and nearly all the way through my loan except at the end

they constantly emailed me offering further advances.

 

 

I have an open case with the financial ombudsman,

I have also contacted the FCA, watchdog and my local MP.

 

 

I won’t let these sharks get away with what they have done to me

 

I tried to post this on Trustpilot and guess what Varooma did

"Varooma reported this review 16 hours ago for the following reason(s):

 

 

  • The review contains sensitive information"

Edited by hackett1987
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Send the company a DSAR - it will cost you £10.00 and they have 40 calendar days in which to respond - the information you receive should identify any calls / sms messages were sent.

 

You can then calculate if their charges are incorrect.

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Just a question here did you have written permission to sell the car?

The reason for asking was if the car was subject to collateral for a loan it's not your property to sell. It belongs to the loan Company. ...

 

Also if they found out and there were outstanding issues they could still repo it. Just a thought here. .

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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I think you have a good case here

 

 

do it properly and you might even get the money for the car back too.

 

 

sar a must

have you the Bill Of Sale too?

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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Hi All

 

 

The BOS was ok, they actually registered it 4 weeks after, but applied for an extension from the court, which was granted.

 

 

I did have written permission from them to sell the car.

 

 

I just can see how charging over £3k in charges is legal.

 

 

I wrote directly to the 2 directors of the company and never even got a response, but hopefully when the Ombudsman contact them, they will reply.

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