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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
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    • 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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Debt and Car finance


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hi folks, i have been a lurker here for some time and this site has helped me alot over the last 3 years. I am currently in a trust deed and i am making large payments on what is a sizeable amount of debt. I do have a car (wifes) that is currently financed (finishes in May) and i am looking to upgrade as we are expecting a new arrival.

 

But no one will touch me for finance and the car is on its last legs and is costing us more to fix because of its age. Is there anywhere that anyone can recommend that will enter into a finance deal where i can get a reasonably new car ??

 

thanks

 

Sam

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  • 8 months later...

I am not a debt expert but have had loads of experience in the motor trade spanning many years.

 

Avoid any company that will supply you a car and credit specialized for poor credit scores. The sell absolute junk in my experience, seriously anything from accident repaired cars to rubbish picked up at auction. These cars would not find their way on to a reputable dealers forecourt.

 

Thankfully a lot of the worse culprits have now gone but their are still a few smaller ones about. The cars will be nothing but trouble, have been poorly treated, have dubious service histories and will be worthless in very little time.

 

The way they work is you will call them about a car, lets say for instance you call about a Focus. They will provisionally approve you over the phone so you visit them. When you get there a problem will be announced and they will make you hang around for hours. They will then offer you a series of cars that are totally impractical. They will make you wait more hours to make you feel more desperate then come up with something similar to the car you wanted.

 

They will take you on a test drive on a carefully planned route that is easy on the car to hide knocks and bangs. In the end you will be so tired and desperate you will sign even if you are not happy.

 

A friend picked up a Vectra from one of these sharks. The warranty was worthless and the car was complete junk throughout. We even found evidence of body repairs done with newspaper. He paid about 7k for it and withing 18 months it was sold at auction for £900.

 

He is still paying the finance through an IVA today. They wouldn't even repossess it and blamed him for the condition it was in.

 

Edit: I will add I have even seen a car recently on a finance deal have an electronic box fitted. If you pay late or go over agreed mileage etc the finance company will send it a code which disables the car. They then charge a fortune to have it reactivated. I didn't believe my eyes at first.

 

My advice is go for a cheaper car and pay cash if possible. There are loads of good cars, particularly Japanese that will go on for years trouble free despite being bargain basement prices.

Edited by skookum
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