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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 
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    • 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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WELCOME FINANCE Harassment


SHELLA
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This is the T&C's I have for Medicare.

 

I have also seen another agreement from 2002/3 on another Welcome loan my parents took out very similar to the 2005 agreement I posted...only no Medicare....on this one it was called Lifecare?

 

http://i400.photobucket.com/albums/pp89/LEGION_02/Medicare.jpg

 

http://i400.photobucket.com/albums/pp89/LEGION_02/Medicare2.jpg

 

http://i400.photobucket.com/albums/pp89/LEGION_02/Medicare3.jpg

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'A Full Transcript Of Events Will Be Posted Soon And What It Means To Joe Bloggs'

 

 

I look forward to that because there is very little I understand with these things.

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Shella Need Time To Digest But One Thing I Noticed,

If You Have A Seriouse Accident And Have Alternative Cover,

 

Its An Excuse Not To Pay Out

 

At Work, I Have Automatic Life Insurance

Accident On The Road, Car Insurance Covers That

In A Shop, That Public Liability

 

I Could Go On And On

 

Total Racket

 

You Have Not Heard The Last Of This From Me

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postggi...take your time,we're not going anywhere.

 

I wish I was more legally savvy and could grasp it all better without reliance on others,but there is soooo much info to do with this entire thing, I'm a little jumbled at the mo'.

 

I am really really thankful for any and all advice to be given on these boards.

Plus,so so many people with so so many legal issues with Welcome...they don't look that big and scary anymore :)

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I have only found that one Medicare policy......I know there is another one somewhere and there should also be two PPI policies....one in each parents name.

 

Can I still SAR Direct Group with the policy numbers?

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Would that apply to the agreement I posted? Soz for being thick.

 

 

 

take a few black coffee

 

if the apr stated has more than a 1% difference each way, up or down,

the agreement is crap, end off

 

short enough for you

 

start the calculator again

 

oh happy days me thinks knowing welcome agreements

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:confused: Can't help being despondant at times. Desperately looking for a way to help my parents with this and take on a little of the worry but I'm finding it all so confusing.

 

It would appear their agreement is okay, but there is something iffy about all the insurances they were sold.

But how would we go about proving that they were not implied as optional at the time of signing?

 

And why are Cattles shares back up to 2.18.....just who is getting this really useless mothers day gift?

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LIFECARE was before MEDICARE.....they're the same thing ... I have a leaflet for both here.

 

Ooo interesting...what year are those leaflets from Shella?

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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Lifecare 24 was included in the agreement I have from 2003.

In the agreement of 2005 it has morphed into Medicare 24.

 

 

My agreement from 2006 has lifecare 24 also...... but Nu havent underwritten it....not according to them anyway. I have two issues with mine, the first being that it looks like none existant insurance policy and it is a 5 year policy on a ten year loan and im sure that - that alone must be a mis-sel, surely the insurance should cover the loan perid, you would not buy a car opver 5 years with a 2 or 3 year gap policy would you, it does not make sense.

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The policy I have here for Medicare is for a 120 month loan.

However, Medicare is just for 36 months.

 

?????

The more I get into this, the more confusing it becomes. NOTHING is becoming any clearer.

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The policy I have here for Medicare is for a 120 month loan.

However, Medicare is just for 36 months.

 

?????

The more I get into this, the more confusing it becomes. NOTHING is becoming any clearer.

 

 

These agreements really aren't fit for purpose - surely there's gotta be somthing in that - becasue my guess is you aren't paying for the insurance over the 36 months it is valid it'll be spread over the lifetime of the loan there by accruing interest - therefore you are making payments on something that is no longer valid or usable by yourself - need to trawl back through these posts as I'm sure there's something about that and therefore making the agreement null and void - give me a few minutes...

 

If the thinking is right here Shella you may have them :D

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I hope we all get them andie 303 :)

They preyed on the vunerable and out greeded themselves.

 

I've looked at an old statement here and even though my parents were paying approx £355 per month....they were adding approx £345 interest per month.....which if I have it right {and I prob haven't} they were paying around £10 per month on the loan the rest going in interest.....thats exortionate!

 

There has to be a some way to bring these people to account for this {pardon the pun}

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Shella - Now unless i'm going nuts and dreaming posts that I haven't really seen I'm really confused now :confused:

 

I know stewie started it as he had canx his PPI and they hadn't restructured his loan properly and so he was effectively still paying for something he had no use of.

 

Now i'm positive someone told us what sections of the CCA that breached or something along those lines - Dipply was it you??

 

Help I'm cracking up!!

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I hope we all get them andie 303 :)

They preyed on the vunerable and out greeded themselves.

 

I've looked at an old statement here and even though my parents were paying approx £355 per month....they were adding approx £345 interest per month.....which if I have it right {and I prob haven't} they were paying around £10 per month on the loan the rest going in interest.....thats exortionate!

 

There has to be a some way to bring these people to account for this {pardon the pun}

 

 

I know how you feel Shella - after 2 years and 3 months of paying £190 every month without fail I call them yesterday to find out how much I have outstanding at it has just dropped below the amount I borrowed by £58 - so £5130 worth of payments until now have gone to pay interest and crappy insurances I CANT EVEN USE!!

 

WHAT A JOKE :-x

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I've been looking through stacks of papers.

Found an agreement from 1999, I think that is the first loan my parents had with Welcome.

 

They had something called Healthcare then,

Compass was the administrators on that with Cornhill Insurance as the insurers.

 

Prob useless info there lol.

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