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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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Hi I'm new and need help


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I have two problems that I hope someone can help me with

 

1) Capital One

I took out one of their credit cards in 2006, it had a limited of £200 and I had to put the £200 in first so therefore just able to use the money I had deposited. My bank offered me an upgrade on my account complete with overdraft and so decided to cancel my card with Capital One as I felt it was useless to me (March 2007). I had spent £196 of the £200 and told them to keep the change:p

However imagine my shock when I got a letter last Friday from a debt collector saying I owed Capital One £596 - I have written to them to ask for details but in the meantime (just by chance) my internet provider AOL suspended my account for non-payment, when I called them today I found out they had been taking payments from the Capital One card (up until April this year)

I don't understand this (apart from the fact that I do not have broadband and would not be subscribing to AOL for that service) I don't understand how Capital One can make payments on a card that was cancelled, transactions that would take me over the £200 limit and a card that would have expired last year anyway. Does anyone have any advice or had this problem before?

Second Problem

 

Npower

 

This will be short. Rented out a flat, at end of lease notified Npower giving final readings. Last payment came out by direct debit with 'final payment' printed on statement. Two months later receive letter from landlord enclosing Gas and Elec bill for period AFTER I left flat. Sent back to landlord to inform them to pay it as its their bill (although still in my name). Got in touch with Npower to notify them, they in turn sent it to debt collecters, sent debt collecters proof that I did not owe the money giving full details of landlord to them, got letter from debt collectors thanking me and said full investigation is underway and I will not hear from them again, got letter in this week from firm of solicitors who are taking me to court for outstanding amounts! .. Help!

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Hi and welcome to cag :-)

 

Spend sometime familiarising yourself with the site. Make sure you read the site rules and the FAQ's.

 

A couple of useful links are the How do I guide to the forum and the A to Z Index

 

Then when your ready start a new thread in the appropriate forum.

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/ for the D.C.A Forum

 

http://www.consumeractiongroup.co.uk/forum/utilities-gas-electricity-water/ for NPower

 

 

saint :-)

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