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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
      • 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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Royal Bank of Scotland PPI


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Guest Gertie100

Hello chaps...not much information as posting for my sister, but general advise please.

 

My bro-in-law is self employed. He took out a loan with RBS and was sold PPI. My sis is now looking into claiming this back because she believes that they wouldn't have paid up had he claimed because of his employment status...so...

 

1. Is the assumption on the self employed thing correct? Or does it depend on the policy?

2. She has contacted RBS and they have fobbed her off for the last 8 weeks. She has asked my advice and would I be right in thinking that once the last deadline is up (her deadline - end of this month) and they don't do anything would she send an LBA?

3. Does the test case on bank charges have any relevance to PPI? Reason I am asking is that I am trying to work out if they are just stalling to make her give up or for a specific reason.

 

I don't have any other information currently - no figures, timescales of loan etc and am going home in 10 mins.

However I would appreciate a response and I should post back in the morning knowing the information needed.

 

Many thanks!!!!!

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It is very likely that it was unsuitable - but you would need to check the policy.

 

The bank charge test case has no relevance whatsoever - the legal issues regarding misselling of PPI is established misrepresentation law. Have a good read through the stickies at the top of the PPI forum for more info.

 

 

 

 

 

 

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Seems like most loans(well 2 of mine + mums) say they cover self employed however the cover is pretty rubbish and is not near as good as for employed on the unemployment. To claim on mine for unemployment you would have to involuntary cease trading due to insolvency and declare this to the inland revenue, and it will not cover temporary cease in trading so if it was winter snowing and you were a builder and could not go and build for 2 months you would have to shut down your business then prove you were hunting for a job. Where an employed person would just need a letter from employer saying they no longer worked for them. Chances are theyd find a reason not to pay out anyway.

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