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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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barclays mortgage arrears admin fee**WON**


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Volgerok

 

Congratulations on the win. That is fantastic news!!

 

Well done for sticking to your guns and not being "manhandled" away from claiming....I hope the future is filled with health, wealth and ha[[iness for you and yours!

 

Ps....if you have not made a donation as of yet please remember even small amounts help run this site for others who are in the shoes you have just shed ;)

 

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Volgerok

 

Congratulations on the win. That is fantastic news!!

 

Well done for sticking to your guns and not being "manhandled" away from claiming....I hope the future is filled with health, wealth and ha[[iness for you and yours!

 

Ps....if you have not made a donation as of yet please remember even small amounts help run this site for others who are in the shoes you have just shed ;)

 

 

Thank You Mrsfoot for all the help you gave me.

 

got the letter today of confirmation of how it will be paid back. plus a spread sheet with all the interest worked out by Barclays. gave them the chance to work this out incase i was wrong.

 

hopefully this will bring down my monthly payments a little as i now owe £2k less.

 

made a donation of a £10 for now. once my house is sold i will be making another donation for all the help i have had from CAG over the past few years. and to help others in the future. i will be staying around as i believe i will benefit on the whole by learning more about many things from this site.

 

im dealing with my wifes debts to at present. since she is now in a wheelchair im hoping they might be a bit more understanding and beleive me when i say i can't see my wife ever working again let alone enjoying life without pain.

 

it feels good to have won against them, it really does means i can buy my wife and electric wheelchair to make her life better and give her some independce of her own.

 

Thank You CAG for helping the people.

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could this be moved to the Success threads at all Mods. might help someone out there in some way.

have my letter of comfirmation now and passed to my solicitor that is dealing with the sale of my house. so that they cant wiggle out of it.

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just an update. recieved final letter with all amounts deducted, some of it cleared my arrears of £300 of which i know nothing about, i was £78 in arrears. unless they was counting the months payment that was due. which was paid early as it was a bank holiday.

also my mortgage repayments have gone down.

 

i worked it out for every £1000 you get back you mortgage payments should fall by a £10

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just found out what the £300 was all about. my arrears and my monthly payment was paid by barclays. out of the payments made back. and i had just paid my mortgage as well so this has put me in credit with my payments by £220. if i had known this was the case i would not have needed to make my monthly payment.

 

if anyone else is in the same boat ring and say you will be with holding the payment untill you know what the final figure is. only do this for the last months payment of the final process. i could do with that £220 right now that i paid and didn't need to.

 

Edit:

 

MAKE SURE YOU INFORM THEM, AS YOU COULD INCUR ANOTHER CHARGE. ONLY DO THIS IF YOU KNOW YOUR ACCOUNT IS ALMOST IN ORDER.

 

PLEASE DONT TAKE GO DOWN THIS ROUTE IF YOU ARE MORE THAN 2MONTHS BEHIND WITH YOUR MORTGAGE.

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  • 3 years later...

Hi there, just looking for a bit of assistance if you can ....... I had mortgage with Woolwich (now Barclays) from 1997 to 2008. Following relationship break-up I found myself in arrears with my mortgage on a couple of occassions. Obviously during these times, arrears charges were debited to the account. Family helped me out on a number of occassions until the I sold the property and redeemed the mortgage in full.

 

I approached Barclays intimating that I would like to make a claim for excessive mortgage arrears charges / interest charged to the account and they came back to me and said that as the £40 monthly arrears charge was advised on the original terms and conditions of the mortgage when taking it out and also on the reverse of every letter issued to me then they would not be taking my claim any further .....

 

Is this correct - should I just forget pursuing any claim ?

 

thanks for your time

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