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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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CCA - Clear credit card balances!!!


Baino
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I saw an advert in my local paper recently from a company claiming to clear off the total balance oustanding on my credit card.

 

Sounding too good to be true I got in touch with the company who wouldn't give me too much information over the phone and got someone else to call me back. They wanted a non refundable fee of £399 upfront to process the claim.

 

I have had a look online and there are other companies offering similar services.

 

Ive got an outstanding balance of £4,200 on an MBNA card which I took out in April 2005 and the company are confident they will clear the full balance due to not complying with the CCA.

 

I want to know if its worth going ahead and paying the fee and seeing what happens, or if anyone else has already been through this process and had success or ripped off or if I can go it alone.

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You can do it yourself - I did. You need to send them a CCA request which is asking for a copy of your credit agreement - if they can't find it then they can do diddly squat to pursue it as they would need to produce a copy of the agreement in court.

 

MBNA are particularly bad at keeping records and at the same time are one of the worst companies for pursuing debts - there is some logic there somewhere!!!

 

I am sure that is what these companies are using and it seems crazy to pay them when you can go it alone.

 

I haven't got the link to the letter anymore as my laptop bit the dust a few weeks ago - but you need to find the letter templates and look for letter N. That is your first move.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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  • 11 months later...

Maybe send a CCA request & subject asses request first to see what info they hold & if they have a CCA! Maybe then you will know if it is worth paying someone or fighting it yourself? If they haven't got CCA you may still get chased for the debt but they will be unable to enforce in in a court of law! hope this helps

 

Please help with my case

http://www.consumeractiongroup.co.uk/forum/legal-issues/226535-help-set-aside-do.html#post2509926

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