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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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Advice on offer from Wonga


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I have been trapped by payday loans for years and have finally seen the light and stopped the cycle. I will never take another payday loan again.

 

I have payment arrangements with a few and put in an affordability complaint about Wonga and QuickQuid who I borrowed from month on month for years.

 

I am yet to hear back from about QuickQuid.

 

I had 23 loans in total from Wonga but only the last 3 were in the last six years. The last which I had defualted on was written off by Wonga without me making a complaint. I also received a small refund (less than £100) because they had made an error in calculating my interest.

 

I know that the ombudsmen generally doesn't look into to older complaints but I was advised by the debt camel website that as my loans were month on month they might not be treated as a single borrowing decision and they might look into them as a whole. There is also the caveat that complaints within three years from when the consumer knew, or could reasonably have known, they had cause to complain.

 

Wonga have contacted my adjudicator to offer me £193 for loan 22. The adjudicator has advised me that.This offer has been made before they have been able to look into the facts of my case. So they are unable to say whether I would’ve recommended the offer

amount they are making me.

 

If I accept the offer it will be full and final settlement of my complain and I will not be able to take the claim further.

 

I am not sure what I should do. Money is tight and the money would come in handy. However, if they looked into earlier loans I think the refund would run into the thousands and I would be able to pay all my debts off and get these people off my back forever, as well as pay off a credit card and catalogues which are in arrears.

 

Do you think I should hold out for more or take the offer?

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