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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
      • 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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RBS loan incorrect Reason for loan stated in order for it to be passed by the computer.


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has anyone applied for a loan with RBS for debt consolidation and found that the reason for the loan was put down as home improvements to get it cleared by the computer?

 

to make this worse, I was living with parents at the time the loan was taken out, 3-4 years ago so how the hell would I take out a home improvement loan (lost all paperwork unfortunately).

 

Due to a rough period in my life and my ex sucking me dry, I struggled to keep up repayments and it wasn't until I got some forms from the Courts that I realised the loan was classed as home improvement loan. I sent the forms back about 2 years ago to the court disputing the loan and have heard nothing since.

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Its not uncommon, nor is it illegal, just a descriptive term.

 

With my trusting head on I'd say it was either an error or a conscious decision by the salesperson to enable you to get the funds you were seeking. Its difficult to see how using the term "Home Improvements" would produce a "yes" decision if a debt consolidation lend didn't. The banks would rather see people sorting out their existing borrowing instead of someone in debt borrow more to do up a property.

 

The only difference that I know of between the two, is that Home Improvement loans used to available over ten years, whereas the maximum for all other purposes was seven years.

 

If your loan was for seven years or less, the bank could simply say it was a keying error. Nowadays, most loans face second vetting to ensure their purpose matches the borrowers situation - e.g. Home Imp loans for homeowners.

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