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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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
      • 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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Perfect Homes- reduced income - can they repossess goods?


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Hi There

I have 3 iphones that I purchased from Perfect Homes and they are all over 12 months into an agreement that is for 24 months.

 

I have recently lost a lot of income per week due to the benefits change as I am on ESA Support and PIP.

 

Question is

if I am unable to pay can they repossess the phones or block them,

and how would I go on about getting them on a smaller weekly/Monthly payment?

 

I,m not saying I don't want to pay but we can only pay what we can afford.

 

The amount due per week is £52.00

 

Thanks in advanceredface.gif

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they aren't bailiffs so cant do anything to you

neither can any stupid doorstepper from PH.

neither can they block the phones

 

simply write to them, briefly stating your situation.

offer them a smaller payment for XX mts

 

and inform them you will re contact them at the end of that period to update them

or sooner should your situation change.

 

stay off the phone

you are under no obligation to talk face to face, in store or at your door.

nor to fill in any of their stupid forms should they send any.

 

you might find it useful to reclaim all the stupid insurance you've paid over everything you've ever had from them.

there is NO legal requirement to have any insurance under HP rules.

 

 

get reclaiming!

 

 

if you've not got all your statements

get an SAR running to them 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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I currently have a claim against BH being looked at by FOS, need any help just ask on thread.

Assuming you have paid for 12 months min then you have already paid them almost £2500 for 3 phones.

As dx advised, send a sar to get all the statements, you will need them, i doubt for 1 min they will want to help you in any way and DO NOT give them back or entertain going to store, everything now in writing only.

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Okay can i have the details of how long you have had each phone for?

I work it out at just over £2700.... In the last 12 months....

 

Thats extortion in its highest form. Follow the advice above.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Lets say these are standard IPhone 7 - Lets take CPW prices. They Say £600 per device. Then thats yours outright.

However in a year you have paid £1100 more than what CPW sell them for and STILL have another year left worth of payments.

 

There are better ways then to go to PH / BAYW Etc... What was the contributing factor that led you to go to PH?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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They would be 5's or 6's, iphone 7 has not been out 12 months yet.

 

I would suspect that the op has used these people due to being on benefits and having option of paying weekly.

 

All of the insurances associated with the phones is unnecessary, you had no legal obligation to take it but of course you will have been railroaded into believing that if you didnt take insurance you could not buy the product.

Reclaim it all back, start with a SAR.

 

Have you ever had to pay late fees? Claim those back too!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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They would be 5's or 6's, iphone 7 has not been out 12 months yet.

 

I would suspect that the op has used these people due to being on benefits and having option of paying weekly.

 

All of the insurances associated with the phones is unnecessary, you had no legal obligation to take it but of course you will have been railroaded into believing that if you didnt take insurance you could not buy the product.

Reclaim it all back, start with a SAR.

 

Have you ever had to pay late fees? Claim those back too!

 

Yes but the prices would have been very similar at Launch :)

 

OP- I would get on hand with reclaiming, get your money back:)

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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