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    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
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      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.  

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BMW 320i with Centurion Warranties


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Hello,

I'm after a bit of advice,

 

I've had my car 2 and a half months and the engine has ceased due to a lack of oil getting into the engine.

 

It has had the engine removed by a BMW specialist and they have diagnosed that the oil pump has gone faulty as there is plenty of oil in the sump tank.

 

I have tried to claim this through warranty as the car requires a new/refurb engine.

 

The warranty company are finding every way under the sun not to pay out.

 

I'm 19 so I don't really know where I stand :???:

 

so some advice would be greatly appreciated.

 

Thanks

Edited by dx100uk
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Well now you start to understand some of the truth about extended warranties.

 

I'm assuming that this car was bought from a dealer? Please confirm and please tell us which dealer it was.

 

If you look at the Consumer Rights Act you will discover that the responsibility is with the seller and because you have had the car less than six months, there are entitled to attempt one repair and then if the repair fails, you are entitled by law to insist on a refund or replacement – at your option.

 

Who was the dealer?

Have you contacted the dealer about this? And what have they said?

You should start off by getting a written opinion from the BMW specialist and then we will help you with your options.

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The car was bought from a dealer in Bryn, Wigan called Merit Motor Company.

 

I was hoping to get it sorted through warranty but as they are finding every way out of it I am going to ring the garage and explain the situation to them and tell them they have 1 chance of repairing the vehicle.

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I should Hang on a minute if I were you.

 

We have told you what your legal rights are here. I would suggest that you don't get into a conflict-oriented conversation with the garage at the moment. I suggest that you simply present them with the problem and say to them that as the car has only recently been purchased from them, you'd like them to repair it.

 

If they then start to fob you off then come back here and tell us what they said and then we will help you write them an appropriate letter and start to take control.

 

I don't think it's a good idea to start phoning and start blasting on about legal rights before you know that they're not going to be cooperative. You never know they might be excellent dealers.

 

How much did you buy the car for? How old is it? Did you pay extra for the extended warranty? Can you please let us know a bit more about what Centurion's excuses are

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No. Trading standards amount to nothing. They don't deal with individual complaint such as yours.

 

Don't say anything to them unless you understand what it is you're saying because if you start bluffing you will be called out on it and then you will lose credibility.

 

Simply begin with a nice polite telephone call telling them the problem and asking them for their help. Read our customer services guide first. Implement the advice there.

 

I asked you to let us know why centurion were refusing to help – but you haven't responded. Please answer my questions.

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Sorry, they were refusing to help because they was saying there was no way the problem could of occured so suddenly and that I should of notice that the engine wasn't getting oil to it. They said there should of been some indication such as warning lights but nothing had come up on the dashboard. They also said that I should of heard the engine begin to knock but I heard nothing on the last journey in the car.

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Thank you. Have you been communicating in writing or is this all on the telephone? If it is in writing, please can you post up their letter in PDF format.

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So the excuses you have received from centurion are simply verbal.

 

I think you need to get a paper trail going urgently. Write an email to centurion explaining to them exactly what has happened – giving them the detail and also the action that has been taken subsequently i.e., the inspection and the opinion of the vehicle inspector as to what has caused the problem.

Tell centurion that you want to make a claim and that they are free to inspect the vehicle at XXX address where it now is. Asked them if there are any forms which need to be completed and asked them to send them to you immediately.

 

Tell them that you are very disappointed that you have already called them and that their first reaction was to deny any liability under warranty on spurious grounds. Tell them that you are waiting for the claim form by return and that you want the vehicle repaired by them as quickly as possible.

 

It is very important to be able to show that you have called them and what they have said to you. Because you have no recording, you are putting down in the email what their reaction was to you so that it is clear and if later on you have to take some slightly more serious action such as bringing a small claim in the County Court then you will have some evidence.

 

I'm suggesting that you take this action in respect of centurion simply in order to protect you and to give you a second string to your bow. However, the principal responsibility is with the dealer. Telephoned the dealer as I have already suggested and come back here and let us know what has been said. Record the call.

 

Who is it that recommended the centurion extended warranty?

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I have had a look at the centurion warranty.

 

If they stick to their position then I suppose that they are trying to rely on paragraph 15 and also paragraph 27.

 

I see that their paragraph 14 disclaims any reimbursement for repairs if you have not followed the correct claims procedure as detailed in your warranty agreement. This is an unfair contract term and it is unenforceable. Once the insured/assured risk has occurred then failure to carry out some administrative requirement in the contract will not relieve them of their liability.

Warranty Book 2016 F4.pdf

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The warranty company have already been out to inspect the vehicle and it has been 2 weeks since the vehicle has been in the garage. It is upon the inspection that they have said that it's not tallying up and they are in talks with the director to see if they are paying out or not. The garage said about extending the warranty to 12 months for £250.

Edited by samandroid1998
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I have had a look at the centurion warranty.

 

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If they stick to their position then I suppose that they are trying to rely on paragraph 15 and also paragraph 27.

 

I see that their paragraph 14 disclaims any reimbursement for repairs if you have not followed the correct claims procedure as detailed in your warranty agreement. This is an unfair contract term and it is unenforceable. Once the insured/assured risk has occurred then failure to carry out some administrative requirement in the contract will not relieve them of their liability.

 

Sorry I don't understand what you mean by the paragraph 14 section?

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Don't worry. It doesn't apply to you. I'm just making a little criticism of their terms and conditions.

 

You haven't told me who it is recommended centurion?

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I hadn't realised that there had already been inspection. I gathered from you that there had simply been a conversation in which they had rejected your claim.

 

As they have carried out an inspection and the car has been in the garage for two weeks, I think you should send them an email – but not one I suggested earlier – telling them that the matter is now going on rather too long and you need a definitive answer. Tell them that you are very disappointed that their first reaction seems to be that they are disclaiming liability because of what you consider to be spurious grounds.

 

Tell them that you need an answer immediately.

 

At the same time, please start dealing with the garage as I have suggested above. This is extremely important. You need to get an answer from them as well.

 

Once we get the information back from the dealer and from centurion then we can consider the next step to take

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So the people who sold you the car also recommended the warranty. I wonder if they got a commission out of it?

 

I suppose this could be helpful because that would mean that the dealers should realise that if centurion doesn't do the job, then they, the dealers will have to. This might help the dealer to put some pressure on centurion.

 

I hope you understand a bit that extended warranties generally speaking are a waste of money. You're much better relying on your statutory rights which could last you for up to 6 years depending on the problem that develops with the vehicle – or other item.

 

Extended warranties are really a bit of a con trick

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Okay, have you spoken with the dealers yet?

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Are you referring to the dealer Merit Motor Company or are you referring to the garage which currently has your car?

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