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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 
      • 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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Where To Begin???


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Hey Guys and Girls,

 

Well i'm new to all of this so forgive me if i seem a little disorientated however here is my story -

 

Basically last Feb I decided to leave the country to work abroad, so i notified HSBC and also asked for a relative to become a "representative" to my accounts whilst I was away. So you'd think with the Worlds Local Bank this wouldn't be a problem....hahahaha

 

I moved away and worked on ships - visiting several places; San Diego, Cabo, P.Vallarta, Acapulco, San Fran, Vancouver, Victoria B.C, Seattle...anyways all major cities and couldn't find a single HSBC to pay money into...meanwhile back at home my representative was being refused by HSBC even after a written letter of consent from myself was sent.

Therefore my d/debits and loan repayments where being declined and resulting charge upon charge. Soon I had £600 in charges in 6 months. I came home and the very next day went into my local HSBC branch - asked them why they refused my representative and why there where NO branches of HSBC in any of the places I had visited. Quoting there own "local bank" motto I was told that they operated under WellsFargo in the US - something that I reminded the bank manager may have been helpful to mention when I told them I was going to be working abroad!

 

Anyways after a lengthly chat I agreed to a managed loan to sort out this mess. Thinking that this would be simple and easy - I reitterated the importance of my representative whilst I was away. So with no overheads I agreed to a £300 a month loan to pay back everything within the year, NO PROBS.

 

I made the first 3 payments and then broke my foot while at work, having to be sent home from mexico I immediately notified the bank with a copy of my x-ray and a doctors letter saying that I would have to rest my foot for 8 weeks! no work. The bank said that this was all good and payments would be suspended until I could begin repayments. I said that this was fantastic and was glad that they understood - stating that the missed payments could be tapped onto the end of my loan agreement. Now I began repaying the loan and recieved a phonecall asking for the £600 that I was unable to pay due to my foot. I explained that this was impossible and would take every penny that I earned to pay for this - the response I received was basically "tough s**t!" So I was told that I would be making a double payment for the next month, thats £600 a month!!! I struggled...moved back to my mothers and made the payments. So thinking that I was now OK and only had 1 payment left to repay at the end of my loan once again *phew* sorted!

 

Hell no! Over the last month I have received yet another phone call asking for this final payment to be paid NOW! - after months of silence. I agreed with HSBC's telephone agent that over christmas this was an impossible task and at the most I could pay back and extra £75 per month until the end of the banking term - we where agreed!! I would bust my guts and give it all to the bank! - Hell who needs christmas anyways!

 

Now I made my first payment on the 31st of the Oct thinking that I would be organised, pay it a little early - Oh no! this was a bad move on the 5th I received a phonecall demanding £375 for a payment that had been missed??? So I explained to the operator that I had simply made the payment on the 31st and he said this was fine! - 2 days later a letter and another phonecall demanding this money - oh and they have slapped me with an reversed d/debit of £25.00 taking me overdrawn and now I expect an informal overdraft request fine as well.

 

Basically the result of all this is that I have bent over backwards to try and keep this bank happy and I just can't do anymore. They have taken my switch card and just given me a solo card, my credit rating is now smashed to pieces and I feel like I can't do anything to help!! IS THERE ANYTHING I CAN DO TO FIX THIS???? IS IT WORTH SEEING A SOLICITOR???

:confused::Cry::confused::Cry::confused:

 

THANKS FOR READING THIS GUYS!!!! I LOOK FORWARD TO YOUR REPLIES.

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Did you sign a credit agreement for the managed loan? Were the terms of the agreement made clear to you e.g. APR, number of payments. Was the managed loan made up of bank charges or a large percentage of it made up of charges?

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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