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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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Mortgage arrears- Kensington. Nervous wreck.


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Hi Tawny

 

A few years ago i lost my dad, nothing can hurt me more than that, i guess what i am saying, you can replace a house etc but you can never replace loved ones.You have your family and that alone is worth more than anything.:)

 

 

 

Tilly

 

Completly agree with that one. I was 28 when I lost my dad now coming up to 4 years ago. I have been a single parent, married and survived a huge family bust up because of it, i had two more kids, purchased a home and now nearly lost it twice and I STILL maintain that nothing can damage me or hurt me more than losing Dad. It was the most grown up thing i had ever done. Love ya daddy xx

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Hello again Tawny,

 

As far as the charging order is concerend have you sent a CCA request to the loan comapny. This may buy you a bit of time as this will put the account into dispute and therefore as far as I know stop them from taking action for now. Just a small idea.

 

Olivesxx

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  • 3 weeks later...

Hi again In a mess glad you found us o.k

 

They will either sell us off to other companies like to derbyshire midshire or whatever they are called or they will do a northern rock. This will be very interesting because the people will then own them from taxes which means we will be evicting ourselves. I think:rolleyes:

 

olives xx

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  • 2 weeks later...

Hi Tawny, Sorry have.nt been around the past few days so have missed your posts. I am pleased the decision to fly the old nest was a wise decision in the end. I was getting worried for a bit there. Like Ell said earlier it will be a few weeks before you get a notice. The solicitor will warn you first.

 

Hope you are all happy in your new nest and that you can stay settled until your feathers are old and grey.

 

Good luck Tawny family

 

olives xx

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Looks to me like Investec own Kensington as a search for Kensington group plc comes up with Kensington HQ. I had a feeling that they had been bought out last year by a South African Company. Rumour also has that since then they have actually beeen strugling but I havent seen the facts any where. Just wishful thinking I guess. You carry on digging Tawny

 

olives xx

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Also Tawny a bit off KMC subject. Last year i had to contact Child Tax as I was thinking of going self employed. I wanted to know how much it would affect me. Basicly you need to provide a yearly wage to them. So you have to guess what you will earn for the coming year. If at the end of that year you have earned more than you predicted then you have to pay them back. On the other hand if you have earnt less then you will get the extra. At least you will have something coming in.

 

What i was going to do was open a high intrest savings account and the month I earn more stick the extra in this account that way I would have had the extra that Child tax would have wanted back plus the intrest for me.

 

olives xx

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I too obtained my remortgage from TML being under the impression that they were searching the market for us. NOOO the didnt they are owned by KMC. But what about that £2700 we paid them.

 

Money Partners was who loans.co.uk recomended we went tyo for a secured loan. Great t least it isnt KMC. OOPs we forgot to check the T&Cs on that seperate page they provided us with(or did they)saying they can hand the loan over to KMC after completion. We didnt escape after all

 

olives xx

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  • 2 weeks later...
just quick thought about mortgage Kensington MORTGAGE arranged through TML PAID WELL FOR THIS SERVICE-went to money partners who transferred same day to kENSINGTON now discover TML WERE OWNED BY KENSINGTON AND MONEY PARTNERS-noooooooo someone tell me this is not so-ive made mistake-means paid kensington 2000 for mortgage with themselves.Also 2k money back offer at same time offered by kensington avoided by using money partners for day nooo please tell me i am mistaken-tawnyowl feeling things are rotten in financial world.:)TAWNY USING DENIM GRANTS COMP JUST IN CASE ANYONE WONDERING

 

MMMMMM me thinks so too. What are KMC gonna do now Bradford and Bingley are suffering. Did we not discover earlier that B&B were gonna start buying KMCs mortgage off them in bulk over a period of time. Dont think they will be now.

 

olives xx

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B&B says it's working to renegotiate its contract with GMAC-RFC. B&B had previously revealed that arrears levels in loan books bought from GMAC-RFC were running higher than in loan books it had originated itself.

It has also agreed to vary its existing forward sale agreement with Kensington.

Under the original agreement, 12 portfolios were to have been bought with an aggregate value of £850m, with a commitment to purchase a further £1.15bn mortgages by March 2009. Now, B&B has agreed with Kensington that it will purchase loans of a maximum aggregate value of £1.2bn by April 2011. The contract has been extended by 25 months and the value increased by £132m.

 

B&B makes first half loss - 29 August 2008 Text was taken from this

 

olives xx

Edited by OLIVE.FAMILY
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Hey guys. have just been catching up on what fair parking says. The way i see this in my own silly little way is that the government have nationalised with tax money, therefore we as taxpayers own KMC.

 

So when do WE evict KMC and guys can you let me off my suspended repo :D

 

 

olives

xx

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One more thing. I dont think that B&B actually got KMC in the end. I think they agreed that they would buy a few billion pound worth of portfolio buy 2011. I pasted a link around here somewhere.

 

Here it is B&B makes first half loss - 29 August 2008

 

olives xx

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