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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Hello and Welcome, ekmollie.

 

My cars a bit like that in the morning :p

 

What would you like help with.

 

 

 

Regards.

 

Scott.

 

 

 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hiya ekmollie and welcome to cag

 

 

It can be very daunting when you first arrive, spend some time looking around the

different forums and read as much as possible here are some links to get you started,

 

"How do I...?" A Dummies' Guide to this Forum

 

http://www.consumeractiongroup.c o....se-read-these/

 

 

http://www.consumeractiongroup.c o....s-please-read/

 

When you are ready to ask any questions just shout there is always

someone around.:D

 

 

Tilly

 

 

Scott it helps if you put the keys in the ignition :p

 

 

 

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hello, can anybody help me. I had a hire purchase agreement with Black Horse which has now been paid in full, however i have just discovered that while that agreement was active Black Horse managed to mix my details with someone else and then confirm this other person name as my alais. This other person has some serious debts and it appears from my credit report that every bank is owed money from him, all in arrears. This has destroyed my credit score to the point that i cannot even get a bank account.

Black Horse confirmed that they are responsable in writing and have offered me £250.00 compensation. Is this fair? Hoiw long will it take to restore my credit score? Experian have cleaned up my report but this name has now started to reappear in linked addresses & financial associates from other companies who have had access to this wrong information. How can i stop this?

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Hi Ekmollie :)

 

In order for us to be able to help you further, could you tell us how long the term was for the Hire Purchase Agreement ?

 

As Black Horse have admitted in writing that they are responsible for this mix-up and it has seriously affected your credit rating and your ability to obtain a bank account, then personally, I would expect far more than £250 compensation from them for the distress and embarassment this has caused you.

 

If Experian have amended your credit file accordingly and are obviously aware of the situation, then I think you need to contact them once again and explain the problem with the linked addresses. As far as I'm aware, they should put a note against any wrongly entered data on your credit file to indicate the confusion caused by Black Horse's error. Either that, or they should completely remove the links to the other person. I'm sure a 'phone call to them will provide you with the answer you're looking for.

 

Bo :-)

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Thanks for the response, the HP aggreement was for 1 year interest free loan which i paid 1 month before the aggreement was to start been charged interest. It was within this 11 months that they mixed my details.

Experian have removed all the incorrect information once and say that the link has been broken however this incorrect information has started to re-appear and they are investigating. My problem is my credit score will not start to improve for 6 months when the searches start to expire. So what can i do to get a fair compensation out of the Black Horse?

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I think either a claim for all damages, anxiety and distress caused by Lloyds, under the Data Protection Act, or a complaint to the Financial Services Ombudsman, who also has the power to award compensation.

 

A complaint to the Information Commissioners Office would be a good start.

 

Will have a think and get back to you.

 

£250 wouldnt even start to cover it. DO NOT accept this insulting offer.

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