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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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 wondering if anyone can help me.

 

In July 07 I took a loan out with WFS for £2000, with repayments of £178pm over 24 mths. Around 9 months later I renewed the loan,and got nearly £500. My repayments are now £236pm for 36 mths which I have just worked out (and my maths isn't that great!!) i'm paying back nearly £6000 for the extra £500!!! Does this sound right,as it seems very excessive even for a company like Welcome!! ;)

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Hi sallyp

 

Welcome to CAG

 

A £2000 loan payable by 24 installment sof £178 is a massive 131% APR with a total payable of £4272.

 

After 9 months you had paid £1602 leaving £2670 to pay. However, there would have been a statutory rebate of £19, leaving £2651.

 

At this point you added £500 to the loan bringing it to £3151, payable by 36 installments of £236.

 

This is an APR of 119% (slightly better but not much) and a total repayment of £8496.

 

So you will pay in total, £8496 plus the £1602 alrady paid after 9 months, bringing the total to a massive £10098. So your £2500 will cost you roughly 4 times what you borrowed. The extra you will have paid for the £500 is £5826, nearly £6000 as you calculated. THis is because, although the APR dropped a little, the term was extended.

 

Isn't Welcome wonderful :mad:

 

 

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