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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
      • 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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PPI can anyone answer a fairly simple question


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i think you might find the multiple agreements thread in the PPI? forum interesting reading on thissubject.

 

typically though, loans with ppi have them lumped together anyway, be them front loaded or monthly paid

 

but yes more info please

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx

 

When I took out the loan in question, the repayment terms were as follows :

 

60 repayments of £182.94....comprising £146.95 for Main Loan repayments and £35.99 for Insurance repayments.

 

I went into default 10 payments into the aggreement, and continued to make reduced payents up until 18 months ago, when I first started querying the outstanding balance.

 

My point is that since the loan went into default it would seem to me that the insurance policy would have been cancelled, as I was not making payment to it. Therefore since I have made no claim on the policy, why am I being expected to pay for something I have not actually owned or received any benefit from.

 

I think my query is both reasonable and logically sound. However until I get a copy of the original signed credit agreement and a statement of the account I cannot properly discover whether or not my point has any real validity.

 

:confused:krj8

Edited by karenruthj8
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your situation is no diff from 100's of others

the ppi would not of been cancelled , its how they make loads of money out of you!.

 

i would start a mis-sell on the ppi, look in the top of the ppi section, lots of guides and calculators there.

get this refunded [+ interest!] then get the charges done + interest, and i bet you'll find the balance almost goes.

 

as for paying off the balance see if the agreement is enforceable first.

 

dx

  • Haha 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hi.....noomill...

I wrote to them last april last year, as soon as I did that the DCA bottled out.......FOS are dealing with it at the moment. I've just repeated my request directly to the bank. I haven't offered to pay the statutory fee, as I am waiting for them to respond to my question about why the DCA involved did not pass my rquest to them last year.........I haven't paid anything to this account for 18 months..........so I think if they could have enforced this debt they would have by now.

 

krj8;)

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I give this advice to everyone with regards to CCA requests it is useful sometimes, but all they are obliged to supply is a copy of the agreement, I suggest that an SAR is the best method of getting the information ..........under this they have to supply you with everything and includes a copy of the signed original agreement, terms and conditions...........without the original a creditor is up a blind alley and you will know they are from the offset.............this is only my view............if they do not supply you with a copy of the executed agreement under your SAR...they cannot produce it in court as evidence as that would be considered "Fraud".... concealment of documents under the New Fraud Act 2006.

 

sparkie

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hi noomill..................I haven't CCA'd the actual creditor yet.........I will in the fullness of time.........I've just twigged to the whole DCA/creditor game..............since I haven't made any payments to this account for 18 months now i don't see that there is any rush...........krj;)

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the reason asked, is that the agreement would tell you how you agreed to the PPI. If miss-sold, the entire agreement, both PPI AND Credit Agreement would most probably be fatally flawed and put you in a very strong position to sue for all losses and PPI premiums and charges and interest...

 

Worked for me and got entire "debt" wiped off the face of the planet

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