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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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Unenforceable Credit Card/Loan Agreements


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Help needed I am currently strugling financially and have reed info on unenforcable CCA i need help am in payment plans etc one company defaulted me others threatened it and with another one even though have been paying set amount every month by standing order and the amount now should be aprox 600 pounds the figure is actually double plus few pounds.

 

the companys in particuler are

1. Allience and Liecester loan for £9400 was charged interest on this and over £2000 ppi which i have never been able to claim stand at aprox £4000 have paid £50 per month.

 

2. Morgan stanley Card became goldfish now BC platinum orig credit card limit 2800 now down to about 2500 payment protection orig on card had this stoped years ago

 

3.Barclay Card Gold stood at over 4000 with charges ppi etc down to 2900 aprox pay £38 payment plan strugling mind have not paid yet this month.

 

4. Egg card 6000 or there abouts orig sold to CSL have paid this DCA upto 70 per month not paid last couple of months problems with cash flow...

 

5. Marbles card pay 12.50 p month fixed payment plan belive maxed out card £800 plus fees and charges reaced aprox £450 have paid this figure since March 2005 so will of paid in excess of £600 but balance stands at £1239 supposed to be intrest free no late charges etc company who have taken over marbles are investigating and they lost my last payment too

 

6 Capital 1 not bothered about this as owe less then £200 and this does come down lowest owed these in last 12 months was £10.00

 

I had load for goods years ago but paid this off and i did pay ppi which i could not use

 

 

Any help would be gratfully recived

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