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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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Hi All

 

 

Ok, been away from the system for a few month now but feel I need to get involved again to stave off the 'Hunters'.

 

 

Missus received a default notice from Mint, re late payment. What annoys me is that she chooses to still pay this card? yet it never reduces?

 

 

So like the other bits n bobs am gonna try to 'sort ' this for her. Questions are...

1. Are defaults accepted/legal?

2. Is section 78/ dsar, still applicable

3, what's best way to query the validation of the debt?

 

 

Thanks in advance.

 

 

Mr Hesitant but returning.

Regards..Mr Worried :)

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Hi All

 

 

Ok, been away from the system for a few month now but feel I need to get involved again to stave off the 'Hunters'.

 

 

Missus received a default notice from Mint, re late payment. What annoys me is that she chooses to still pay this card? yet it never reduces?

 

 

So like the other bits n bobs am gonna try to 'sort ' this for her. Questions are...

1. Are defaults accepted/legal? YES

2. Is section 78/ dsar, still applicable YES

3, what's best way to query the validation of the debt? CCA/DSAR

 

Thanks in advance.

 

 

Mr Hesitant but returning.

 

 

What we will need is more details, when was the account taken out was it done online? are there any fees to reclaim like PPI late fees, when was the default sent to her? has she got all the statements? Has she received any NOA ( notice of assignment) when was the last time you made a payment? things like this so the whole story will help us help you thx

 

 

MM

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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you need to get all of the statements for teh past couple of years and see what has been paid and what charges have been added to the account. If she is paying a minimum then the interest addes wil mean that it can take 247 years to pay off the balance. I bet that there are other charges as well so worth totting those up as they are probably reclaimable.

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if taken out after 6/4/2007, then no real point with cca request. Mint in my experience are pretty good at refunding late payment/overlimit charges so obtain all the statements by way of SAR if you dont already have them, do your spreadsheet at their int rate and send letter requesting refund

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