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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
        • Like

AA99 v GE Money Car Loan


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On my way out of the door yesterday to the post office, Mr Davey's secretary called me to say her boss had been phoned and they'd like to remedy my situation. I said I was on the way to post the letter to him and could they contact me when they got the letter. She said yes certainly but they would like to sort it out for me but couldn't find my agreement number, could I just let her have it :rolleyes: I said no, sorry, speak to me when they've got my letter:lol:

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And........AA99 any further developments ? I will keep checking back

 

 

I got an EMail response the day after (when it was received) saying the situation was ON HOLD FOR 21 DAYS :lol: (till they got their act together)

 

Thank you for looking in, sit tight :cool:

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Watch 'em. I had 9 of these letters every four weeks got the same letter. Its because they don't know how to deal with the matter, so much for their Head of Complaints saying to me that lessons would be learnt. They obviously don't listen to him either. I think you need to send all your correspondence to the Chief Executive. You will need to ring them and ask who it is and where he is based. HE was in London when I wrote to him.

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Thanks surprise. This is from below:

 

"In the meantime, from their website I phoned on his cellphone the Motor Finance Director who was a very pleasant chap and distressed to hear my problem. He gave me the personal name and physical address of the Operations Manager whom he was going to phone to tell him to look out for my personal letter of complaint."

 

I have also been thinking of contacting this organisation but haven't yet for fear of 'going nowhere'....

 

FLA The Finance Leasing Association......

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So they have sold it eh. I wonder if that puts you in a better position. They say that the going rate is 20p in the pound to sell debts on. As with my Halifax account of 1k I now assume that Cabot paid in the region of £200. How likely are they going to be to fight over such a small amount! That's my way of thinking anyhow.

 

Did you get the underwriting sheet from the dealer in the end?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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It's also nice to have clear confirmation in writing from GE money that the agreement has been sold. Took two letters to get that kind of information out of Halifax. If asset link start mention their client and they do not have the rights etc you'll be able to fire that off.

 

What's next then? CCA request to Asset? :)

Edited by davey77
spelling

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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To cap it all, the clutch unit has gone kaput on the car and am going to the specialist dealers after the school run later. From what I've seen on here on Carcraft/NAC Warranty threads, that won't be worth the paper it's written on so looks like some fun could develop shortly!!! The clutch cylinder went a year after I'd had the car also and NAC paid one third of the cost.............

 

Digging through all my files I have also found this Sales Invoice from CarCraft to GE. The figures have been totally juggled around compared to my Contract figures. :???::???::???:

 

Sorry, bear with me on the attachment!!!!!!!!!! Dashing school run now and going to agents.... be back soonest !!!!!!!!!

Carcraft invoice to GE.jpg

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It's a bit tiny.. do you use photobucket at all?

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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It's also nice to have clear confirmation in writing from GE money that the agreement has been sold. Too two letter to get that kind of information out of Halifax. If asset link start mention their client and they do not have the rights etc you'll be able to fire that off.

 

What's next then? CCA request to Asset? :)

 

Well at least I got a response hey?:-D Have no idea what's next? Am waiting for a Big Boss to assist!!!!!!!! Just going to try that Invoice again:)

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Just reading through all that AA it seems like they've made a rather massive rod for their own back. If you have proof of all the items you have sent them, which completely contradicts what they have said, they've got a little problem I would think.

 

You also have a nice recording of the fact that the DCA is adding fees to the debt - another thing that is against guidelines (for what it's worth seeing as they do sod all about it, but at least it's another show of their ineptitude and general contempt for the rules in place).

 

I'm just wondering if it's worth a letter back taking their response apart para by para - pretty much as you have done on Photobucket. It might be their last response, but BOS and MBNA have had to give me several 'final responses' because I keep refusing to accept them:D

 

It also gives a good overview of their behaviour, and their willingness to outright lie, if it goes any further (but I'm crossing everything for you that it doesn't:eek:)

 

Hope someone can give you a proper idea of what to do next, but those are my thoughts for now.

 

Lexis x:)

Time flies like an arrow...

Fruit flies like a banana.

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Just reading through all that AA it seems like they've made a rather massive rod for their own back. If you have proof of all the items you have sent them, which completely contradicts what they have said, they've got a little problem I would think.

 

You also have a nice recording of the fact that the DCA is adding fees to the debt - another thing that is against guidelines (for what it's worth seeing as they do sod all about it, but at least it's another show of their ineptitude and general contempt for the rules in place).

 

I'm just wondering if it's worth a letter back taking their response apart para by para - pretty much as you have done on Photobucket. It might be their last response, but BOS and MBNA have had to give me several 'final responses' because I keep refusing to accept them:D

 

It also gives a good overview of their behaviour, and their willingness to outright lie, if it goes any further (but I'm crossing everything for you that it doesn't:eek:)

 

Hope someone can give you a proper idea of what to do next, but those are my thoughts for now.

 

Lexis x:)

 

Lexis, thank you so much for your support, shooting themselves in the foot is the expression I am hoping for. Have read and re-read BRW's post

www.consumeractiongroup.co.uk/forum/show-post/post-1857336.html and Atwozee's comments, and am hoping so.:cool:

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site team aware of report-please be a little patient.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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42MAN - I had Citi sell on a debt whilst complaint was actually with the FOS. When I quoted what you've just said, as I was under the same impression, the FOS emailed me and asked me where I obtained this information from. Basically, they are a waste of space when it comes to anything like agreements and OFT Guidelines. However, the FOS did pursue Citi and Citi had to buy it back from 1st Credit.

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If GE are no longer the owners of the account then i would CCA Asset next.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

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