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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
      • 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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Refinancing question


shakuri
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Hi,

 

Not sure if this is the correct forum to post in, so sorry if it is.

 

I have existing loan, credit card and overdraft with RBS and I am looking for a way to to consolidate that debt into one monthly payment.

 

The problem however is that my credit report is poor at the moment (I have a default from Vodafone that I am currently in the process of removing) and RBS won't allow me to refinance my existing loan.

 

I'm trying to find a reason why RBS won't refinance but they keep saying it's my credit rating, which is fair enough, but they can see that I am currently up to date on my current loan/credit card so why won't they consolidate my debt, they will still get their money!

 

Anyone have any advice? It would be greatly appreciated.

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get reclaiming first before you ever think of doing this

 

got penalty fees. got ppi, bet those back

see my sig below

 

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,

 

Not sure if this is the correct forum to post in, so sorry if it is.

 

...(I have a default from Vodafone that I am currently in the process of removing)

 

Anyone have any advice? It would be greatly appreciated.

 

Hi shakuri and all,

 

It's just a quick update to this thread to confirm that the Vodafone aspect of matters here is being handled in the Telecoms sections here.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

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  • 3 weeks later...

They will refuse to help you deal with these accounts, and make it more affordable to pay them off aslong as you are maintaining the payments and you bank with them.

 

You should consider opening an account elsewhere.

 

Once you have done this, put everything in writing, their are some good Template letters you can use, asking for the interest to be frozen, offering a reduced payment. If the accounts go into Default, they will be passed to the banks internal recovery department and they will all be managed together.

 

If your credit score is already poor, then you have nothing to loose. Get tough.

 

Debbie xx

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