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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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Dayglo v Natwest Mortgages ***SETTLED IN FULL***


dayglo
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having just completed my first MCOL - a question struck me, there was nowhere to attach my schedule of charges. if I was doing an offline direct to the court claim I would have attached my spreadsheet printout to the form, you can't do that online, does it matter?

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well there's a thing - I've only gone and won!

 

letter of apology from Natwest - "sorry you felt you had to take matters to court" and "please accept our offer of settlement in full!!!" "no liability admitted" - yeah right!

as soon as the cheque clears - donation on it's way!

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CONGRATULATIONS!!!!!!!

 

Wow that was quick!

 

From what I've read about Natwest with the bank charges they drag things right through defence and allocation questionnaire stage. Its great to watch them cave in so quick.

 

 

Well done!

 

Enjoy your winnings

 

Zoot

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That is fantastic news - delighted for you :)

 

Things are looking good on the ERC front.

 

(Will also ask a mod to amend title)

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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the really funny thing about this is the tone of the letter...

 

it says "please urgently send your acceptance as Natwest have only 14 days to respond to court!" - yeah I know, I'm suing you remember?

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the really funny thing about this is the tone of the letter...

 

it says "please urgently send your acceptance as NatWest have only 14 days to respond to court!" - yeah I know, I'm suing you remember?

 

Fantastic - thats three in a fortnight.

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

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Three?

 

No doubt they'll be picking up in rate very soon judging by the flood of claims. It will be like watching dominoes fall. lol

 

Is it not 3 successe from here - yourself, dashgnail and now dayglo

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

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Congratulations dayglo.

 

Would you mind letting us know the timescales involved with your ERC? How long were into the mortgage / from the end of the ERC period?

 

Did they have a sliding scale in place?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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ok - I don't have all the info to hand - but this is what i do have.

we were on a 2 years into a 5 year fixed rate of 6.59% due to finish 31/01/2009

There was a sliding scale - at 2 years the penalty was 2% (I think)

 

In terms of letter responses, I can't believe how quick NW responded. (I am taking action seperatly against them for removal of a default and non-compliance with an S.A.R so i don't know if that has made any difference)

 

I received a response to my LBA on the 4th September stating "this is our final response, sorry you will be disapointed etc.)

 

I filed a claim online on the 5th September

 

letter dated 8th September arrives on the 12th September stating "goodwill gesture etc. please accept our offer in full of 2k including court costs"

 

easy peasy lemon squeasy.

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just had a phone call from them - "we're not sure sending a cheque will clear in time for us to allow you to inform the court that we have settled in time - please send us your a/c details and we will send a CHAPS payment either today or tomorrow!"

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just had a phone call from them - "we're not sure sending a cheque will clear in time for us to allow you to inform the court that we have settled in time - please send us your a/c details and we will send a CHAPS payment either today or tomorrow!"

 

They are unbelievably eager - well done.

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

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