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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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Creation Finance USC Store Card


paddy926
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My girlfriend is starting to claim back her charges from Creation and so far so good. That was till her copy statements arrived. After reading through these, the copies for the last 4 months have a balance of £0.0 on them. She called Creation on Friday only to be passed to 4 different people who didn't have a explanation as to why a copy is different from the original. She finally got the answer of 'it is a misprint'. Have they shot themselves in the foot by saying that there is no balance on the account? Also does she charge them the same amount in interest for the spreadsheet as they charge every month?

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Sounds like Creation are trying to delay the inevitable. I'm guessing you sent a SAR to them, in which case they have not complied as they ar required to send all docs/info they hold on you including a full breakdown of the transactional history. Incidentally they are also required to send you a copy of your credit agreement as well, if there isn't one then technically they cannot enforce the debt and you are under no legal obligation to continue payments to them.

 

kind regards,

shane

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All advice is offered freely & without prejudice

 

 

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Cheers for that Shane. She did send the template letter from this site and is all ready to send the LBA. With regards to the statements thou, there was a balance on the one sent in April, they then missed this off May but its showing £0.0. Continued to put the balance on June & July but as I say, no balance for the copies from Aug to now. Does it matter that the original has a balance and the copies do not?

I think they know what she is up to as the charges will cancel out the debt! :D

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It absolutely matters! Write back to them saying they have not complied with your request and should they not do so you will instigate legal proceedings against them, if required you can ask a court to force them to comply but they will do so way before you need to do that!

 

 

 

kind regards,

shane

____________________________________________

All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

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Hi Paddy,

 

If there was a o balance on the account for the last 4 months then yes they have complied, I was under the impression you thought there was a balance and they were trying to conceal that, if not then yes unfortunately it is unfortunate!

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Hi Shane

there was a balance on the one sent in April, they then missed this off May but its showing £0.0. Continued to put the balance on June & July but no balance for the copies from Aug to now. The 'copy' statements look nothing like the original ones that come throu the post. They just look like someone has put the information in on the computer and forgot to fill the balance bit in! They arent even lined up properley. I thought a copy statement should reflect the original ones that are sent.

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  • 2 months later...

Received a letter from Creation on Saturday 19th saying that as a gesture of 'goodwill' they will offer £125 plus £10.72 interest along with a leaflet from the FSA. As you can imagine this is going to be declined as the charge is nearer £320!! LBA is all ready and on the way to the post office, will keep you all up to date.

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Stick to your guns, if they don't have a level of competancy to calculate what you owe them and send you an accurate statement, then who's to say the £320 charge isnt a "missprint" also.

 

Somthing worth adding to your defence.

 

as far as I can see, if they send you a statement with a zero balance, then nothing is owed, end of story.

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  • 2 weeks later...

Just to let you all know, my girlfriend had a lovely letter from Joanne Redmond offering all of the charges back. The amount of charges were around £320 plus she got £35 in interest so they now owe her money.

Stick at it everyone cos they cave in in the end. :p

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