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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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in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

if they have filled it in wrongly then it is most likely unenforceable, this IMO is what you need clarifying. can you get any legal help, if so, a solicitors letter will get them moving pronto

 

LSC Website : Civil legal aid eligibility)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Hi, I've just used the calculator for legal aid and i am eligible for it.

 

I've not mentioned anything to Welcome Finance about my agreement, I wanted to get some advice of here first. so i'm not sure how i go about it

 

in relation to this welcome have a habbit of putting in an acceptance fee before calculating interest

racks up the profit

again a no no

peter barred is your man on this

 

i'm not sure if that is what they have done that's why i initially wanted Peter Barred to look at it but i've been told he isn't very well at the minute , A link is on this thread if you want to have alook it's not very readable though but that's the one they sent.

 

Thanks

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cant quite read the info on it but judging by the previous comments, and the agreement enforceability thread in which Peter explains the proper format - yours sounds like it fits. ring the LSC and find a solicitor that specialises in consumer affairs, google it, WFS are known about so it wont be hard, then they will look at the agreement and assess your liklihood of challenging them, they will take it from there, WFS continue to bully those they think they have a chance against in court (usually litigants in person) but they can and have been challenged in court

 

ps its Bard not Barred:)

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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Can anyone help me with my WF charges as i might aswell do it all together so i can give the solicitor an overall picture of what's been happening . Or do you think i should leave it to see what happens with my credit agreement as if it is unenforceable i won't need to reclaim anyway.

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my understanding is that the FOS will not pursue a matter that is going to court (cross that bridge when you come to it) and that the ICO may well suggest it is a court matter.

 

you could get the ball rolling and walk away if and when nec.

'rise like lions after slumber, in unvanquishable number, shake your chains to the earth like dew, which in sleep had fall'n on you, ye are many, they are few.' Percy Byshse Shelly 1819

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I'm gonna go to the CAB first as i've been told to get it checked there to save some money, I'm actually struggling to find a solicitor near me that does it with Legal Aid. but i'm gonna see how it goes on Thursday when my local CAB is open.

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I've finally managed to post off my complaints to the ICO and FOS by recorded delivery but it seems only the ICO has been signed for so i'll keep checking on the royal mail website to make sure it gets there.

 

Also i finally managed to see the CAB regarding my Credit Agreement as i'm struggling to find a solicitor near me who does legal aid aswell. I've got to go back on the 23rd September to sort it out with some other things so hopefully i will find out then if it's unenforceable.

 

Today i've recieved a letter from the DCA who are dealing with it, I've not heard from them for months. should i send an account in dispute letter.

 

:)

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hi animal lover

just tell the dca by letter the account is in dispute as the ico, or fos is dealing with the matter

 

may i ask who is the dca

 

i may get my wrists slapped for this but a firm of solictors called stephensons will check your agreement for free

they deal mainly with yes car credit agreements, but ime sure they will check your agreement

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I recieved a reply from Welcome for the complaint i sent to ICO.

 

They told me that all the info i recieved in the S.A.R is all the information they hold on me. so that means they don't have.

 

Copy of Underwriting Sheet

Insurance Details

Details of who my policy is with including ref and PPI gaps

Copy of Default Notice

Details of the person who sold me the policy and confirm if they are qualified to give financial advice, along with proof.

Original agreement to be sent to Cholton for inspection.

 

I haven't heard from ICO yet.

 

What should i do know, should i leave it to the ICO

 

AL

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hi animal lover

 

people who leave posts on welcome, i allways get them to request info on ppi insurances, under writing etc

 

to date welcome have never replied to this request,

typical fobb off letter

from the beginning i have allways believed these insurances are in house for max profit.

if it can be prooved that welcome are doing this, it could be the end for them.

 

i think you need to contact the ico for them to order welcome to release this data

 

makes you think

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The Information Commisioners Office already have my complaint, they recieved it about a week ago so i'm just waiting for them to respond to it. I'm not sure anout the Financial Ombudsman complaint as it's still showing as not being signed for but i have recieved 2 or three replies to letters i sent at the same time that haven't been signed for so i'm hoping they have recieved it.

 

If they don't have anything on my PPI then how can they refuse to cancel it :mad:. And my default i've got it on all 3 of my files but they haven't got he default notice. I'll be glad when it's all over.

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