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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 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 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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I pay £50 p/w to WF (I find this much easier and Welcome gave me the option of doing this after I found monthly payments difficult on a previous loan) but my monthly payment is £200 p/m so over a year I pay £2600 whereas if I paid monthly I would pay £2400. I have missed one weekly payment but I did not incur any charges as I was in front. This also means that I will pay the loan off 3 months early over the 4 year term so will I get a reduction in interest accordingly?

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Hey Fluffy Viper, subscribing! Am wondering how to go about this. You could be obvious and just ask the question outright - a letter to the branch and see what they say? Kind of put them on the spot to put it in writing that your loan will finish early.

 

I know my branch are a bunch of lying so n so's, I would prefer to catch them out hehe.

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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A letter sounds like good advice! Also do you have PPI on the loan fluffy if so was it in any way mis-sold as they were very bad with my friend in this respect. I believe the interest is all added at the beginning of the loan so the chances of a reduction in interest is unlikely - at least from my dealings with Welcome I'd have to say they are!

 

I also wouldn't put it past them to just hold on to your overpayment and hope you don't notice at the end of it!

 

Don't acccept any response just over the phone either - ensure they put it in writing and if they don't continue writing until they do! (like Dipply I also don't trust them!!!)

 

Also just to check when they agreed the weekly payments did they give you a new contract to sign (if so they may have altered the original terms)?

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Hi. No I dont have PPI on this loan but I did on a previous loan which was paid off with this one. I am awaiting a reply from Welcome to my enquiry about a refund for this (I think they have another week). I think I will send a letter to them to clarify the situation with the payments on my current loan. Thanks for the advice. P.S. I have paid weekly since this loan began as I was paying weekly on my previous loan.

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  • 5 months later...

Hi Fluffy, wondering how you got on with this....as I have discovered something very interesting in my OH's loan. His is monthly but pays weekly also, we started fighting them and received paperwork that was eye opening!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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