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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
      • 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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Lufc V Monument & Cabot


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okay monument sent my statements out today 8 th nov.....so i can claim ( payment break plan which is ppi )

annual charge £15

over limit fee £24

late payment fee £24 hell of a lot of those

which intrest can you claim back merchandise intrest at 1.666% with providian

cash intrest at 1.999%

payment break plan is a lot

 

since i was in a dmp the statments show checks being stock piled to add mor charges

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It's still very difficult to read.... but as CB says... if you register with Photobucket, you should be able to scan it up that way.

 

Couple of questions....

 

1. Have Monument sent you a final, written response to your complaint ?

 

2. Do their charges outweigh more than the amount still owing ? Re-claiming charges are not my thing.... but as far as I'm aware, you can only re-claim interest that's been added to a balance that contains unlawful charges.

 

There are spreadsheets on here that help you to tot up the charges.... Have a couple of goes because it didn't work for me 1st time either.

 

:)

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It's still very difficult to read.... but as CB says... if you register with Photobucket, you should be able to scan it up that way.

 

Couple of questions....

 

1. Have Monument sent you a final, written response to your complaint ?

 

2. Do their charges outweigh more than the amount still owing ? Re-claiming charges are not my thing.... but as far as I'm aware, you can only re-claim interest that's been added to a balance that contains unlawful charges.

 

There are spreadsheets on here that help you to tot up the charges.... Have a couple of goes because it didn't work for me 1st time either.

 

:)

got to tot charges up and payment break plan that was miss sold ill get back to you cheers

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  • 3 months later...
  • 1 year later...

update MY WIFE was in county court 28 oct .....cabot handed the judge a load of paper work .. and said do you xpect me read all this within 50 mins lol morgans solictors said yes .the judge said how as this come to this you can see the lady as been trying to pay this account .....cabot was trying to enforce a credit application and i was trying on unforceable agrement ...the judge knew cabot and my self were going with this case....the judge woudnt entertane the case ..told both partys to go in the room next door and gave us 20 mins to sort some thing out between our selfs (but before that cabot solictors morgans said they would come back to court at a later date with less paper work ...) the judge said that would meen more costs for this lady lol .....and said go next door back within 20 min s lol

 

the account ballance was 2,700 pounds cabot solictors morgans put this offer on the table

 

all charges removed ,payment breack plan(ppi) remove aswell

to lower the ballance back to to 1,200 pounds to be paid at 10 pound er month

they drew an agrement plan up for the judge to read and type up and sign .i did owe 1.200 before cabot took over .....and the judge wouldnt enforced the credit application or give them a ccj on the account think cabot and morgans solictors was jutted the way the judge delt with the casec ......at a end at last............BUT LUFC IS STILL ON GOING

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  • 3 years later...
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