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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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Help please need refund on PPI

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We have a secured loan on our property that we took out In feb this year of £22k, we purchased the PPI along with as I was told we would get all our premiums back at the end of 5yrs (which would total approx £4k) so I thought it was worthwhile doing


However, we have now decided to sell our house and move which means we have had to get a mortgage to cover paying this off aswell, I rang to ask for a settlement figure but they won't give it out over the phone and have said we have to write for one


I have accessed my credit file and notice that the figure outstanding is just over £26k which initially shocked me but then I realised this includes the PPI


Is there anyway I can get this refunded on settlement when we move? or will I have to settle the full £26k even though this loan has only been running for 10 months?

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This loan is with First Plus


I have just checked my credit agreement and it gives you examples of what you may get back (on the loan and PPI) after set periods of time.


This loan was taken out in Feb 07 for 20yrs


ppi loan was £4,384.60, interest on the PPI loan is £5,048.12


The agreement states that after one quarter of the term is passed (ie 5yrs) amounts payable on early settlement would be:


£19,908.63 for the actual loan

£3937.94 for the PPI


but I have only being paying this for 10 months!!!


I have also read the terms and conditions on the back and section 12 states:


'We will send the Payment Protection Premium to Barclays Insurance (Dublin) Ltd and Barclays Assurance who will advise you if your application for PPI is accepted. Cover will begin when the Insurer accepts the risk of insuring you. Confirmation of this will be the insurer issuing the certificate'


We have NEVER had any contact from Barclays since this loan was taken out


We were NEVER given any information about whether we are suitable for PPI and if we fulfill all the terms and conditions and this was sold to me just by the sales adviser over the phone based on the fact I would get the full premiums back after 5yrs, I didn't realise that I had to fulfill certain conditions (although I am sure I do fulfill these)


I am now beginning to think that I should be claiming for the whole premium (+ Interest already paid) back


I have not received any certificate from Barclays about the PPI, do you think I could dispute that this insurance has never actually commenced therefore I should be entitled to it cancelling and my full premiums and interest back?


Can someone give me an idea of the 1st letter I should be writing in respect of this?

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This is a difficult one as you say that their is no reason the PPI would not be valid and suitable for your needs. I think that the first thing you need to do is make some enquiries about whether you are actually covered - then take it from there.


Certainly there are issues regarding the deductions for termination - and that may be something you can challenge. Of course, if they have not processed your application for the insurance, or it has not been approved without you being notified, the issue becomes much more serious.







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I think the only reason why it would not be suitable for our needs is because we both have generous sickness pay from work (ie full pay for a year) which would outweigh the validity of having the insurance anyway wouldn't it?


I am going to write a letter to them asking where my certificate of insurance is and a settlement figure and take it from there

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