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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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Mint - giving me the run around?


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Hi, my first post here (but have visited often) and I hope the sage's can offer some advice on my predicament.

 

About 6 years ago I got into some financial difficulty and managed to setup an arrangement with Mint to repay my credit card balance. I was happy with this and so it seemed were they as they continued to charge me interest on what was a significant balance.

 

Nowadays my financial position is a lot more comfortable but my Mint account has remained in arrangement, despite me asking them to remove this arrangement a couple of times and being told they can't.

 

Anyway to the present day, a couple of months ago we applied for a new mortgage and it became apparent to me that my credit record was in a dire state, and the only reason for this was the regular updates by Mint :-x

 

Apart from my account with them being marked as 'in arrangement' which I can 100% understand, but each month they mark my account as payments being received late regardless of whether I have paid before or after the date on the statement.

 

So obviously with discovering this news I have contacted Mint to try and understand why they continue to mark my credit record as they do each month.

 

Attached are the letters I have sent them and their responses and as you can see it seems like they are happy to avoid answering questions in the explicit nature that I have requested.

 

To be continued...

Edited by Mr Arrangement
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So after the above letters I then received a phone call one evening from the collections department asking why I had made a payment late and that they were on the verge of instructing Triton, etc,etc at which point I told them to read the letters I had sent in and they would know why the payment was late.

 

There was some discussion about the letters I had sent in, and I informed the lady from Mint that another (the third one) was on its way in. However she did eventually confirm that if I cleared the arrears and continued to make the arranged payments as and when agreed that my account would no longer be marked as being paid late each month.

 

As you can imagine I asked for this in writing and she said that this would come from the receipient of my third letter. As you can see from the response it didn't happen, and i was pretty pi&&ed off as it looks like i'm now being given the run around.

 

Now hopefully at least a couple of you have made it this far and I can ask my questions of you. :D I know this agreement is probably not enforceable as its so old, and when I requested a copy of the agreement all i received was my application form, but I need to try and resolve this situation in a way which is going to repair my credit record the quickest.

 

If by clearing the arrears and keeping up the agreed payments my credit record will start to repair itself then fine, but obviously I need to obtain this in writing from Mint.......somehow !

 

I know the quickest way is probably to obtain a fixed term loan to pay my Mint balance, but looking at my current credit score I can't see that happening.

 

Finally, any ideas why Mint state they have to send me a NOSIA and then back track on it in the last letter.

 

Thanks in advance.

Edited by Mr Arrangement
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Hi Mr A,

 

Duly deleted ........... ;)

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