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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
      • 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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DMP or Secured Loan


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Hi

I'm new to this so be gentle!

 

 

I've amouted a massive amount of debt in the form of personal loans and credit cards 45k.

 

 

Ive approached my mortgage provider and they wont remortgage to clear said debt even though I have more than double said debt in equity.

 

 

My problem is repayments are now killing me and i'm struggling to survive,

currently all accounts are up to date but its a struggle.

 

 

My question is

what are peoples thoughts on a secured loan.

or going for a dmp to reduce my payments but ruin my credit worthiness in the process.

 

 

Is it worth putting my home on the line for debt that is unsecured?

Is going on a dmp worth all the hassle of phone calls etc from creditors.

 

 

I could afford 600 per month comfortably on a dmp

but at the mo my payments add up to £900 and this isnt sustainable especially as these a barely putting a dent in the credit card debt.

 

 

Been to see a broker today who found me a secured loan to clear all debt at 7.1%

but there is a voice in the back of my head telling me its a bad idea to secure said debt against my house.

Which way to go?

 

Any thoughts much appreciated

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its always best never to turn unsecured credit into a secured one.

 

 

can you list all you debts please

 

 

who was the original creditor

type of debt

when you took it out

who you pay now

how much is owed.

 

 

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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Hiya debt has all been accrued in the last couple of years. 2 X loans with Barclays and Natwest, and credit cards with cap one, barclays and natwest. All are still with original creditors and non are currently in arrears

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ok well nothing to shout about in terms of reclaiming then and no PPI I bet?

 

 

well whatever you do

don't use a fee paying lots

payplan or stepchange might be your route

or

give nationaldebtline a ring

but don't sign up to anything.

 

 

you could quite easily admin this yourself.

there are relevant letters in the DCA section of our library.

 

 

believe it or not £45k is not an unusual sum.

and several stories are here already upon how they 'survived'.

 

 

one tip most certainly don't go getting anything that secures the debts

nor DRO's or IVa's etc etc.

 

 

also they'll be noway to avoid your credit being trashed for 6yrs mind whatever you do

so don't be temped to go with any of the above iva/dro routes as that'll have the same effect on your file & p'haps kill you even longer

 

 

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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Share on other sites

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