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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
      • 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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No mich, in the generic meaning of the word 'enforce' they cannot send collectors to your door or get bailiffs to take your possessions or take your benefits

.

Their choices are to harrass you with threatening phone calls and letters hoping you pay, ask a debt collection agency to try and get it for them or issue a court summons.

 

The harrassment is illegal, the debt collectors can only do as ptp can and that is harrass. The third way, a ccj, if they win, will mean they will probably get less per month than they would hope for as the court would want to see your income and expenditure and set a payment you could afford.

 

You should write to them and explain your situation and hope they see sense and work out an agreement with you that you can afford.

 

Whatever happens, do not agree to make payments that you know that you will not be able to meet. If they will not come to any agreement, send them what you can afford each week.

 

If you start to get phone calls, I would refuse to answer them unless you can tape the call.

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Hello Bigman. The answer is very simple. Pay them what you can afford only. Don't worry about the court threats, they know that if they take you to court, the judge will ask how much you can afford and when you tell him, that is all they will get or he will make it even lower, so they will have achieved nothing.

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  • 7 months later...
Poundstillpayday takes any allegation of unlawfulness extremely seriously; due to Data Protection we are not in a position to discuss the details of this case online. We do however promote all parties involved to contact us using any of the below methods in order to examine the situation.

Kindest regards,

PTP

Please feel free to call us on free phone- 08000327653 and one of our Customer Service team will be there to assist you.

Or if you prefer drop our Customer Relations team an email on: customer.relations@poundstillpayday.co.uk

 

 

But will that so called 'assistance' include "sorry you have lost your job and can't afford the payments as they stand, we will extend the term and you can reduce your payments at the same interest until such time as you have paid in full or are re-employed"?

 

The answer is a resounding NO as the posts above show.

Edited by steven4064
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If the lending policy is 'responsible', do you check the ability to repay before agreeing to a loan by all the means available (bank statement, payslips, cra checks etc) ??

 

I take it that's a 'no' then - thought as much.

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