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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
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    • 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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HELP, With Welcome car Finance


sammyc1974_Derby
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Hi Sammy,

 

I have just sent them pretty much the same letter (via email) as although they haven't added interest on to my agreement for the acceptance fee, when I received a statement of account, the interest added is based on the loan amount plus the acceptance fee.

 

Stick with it, they will try anything to fob you off and make you think they are right and you are wrong!!

 

Good luck

 

x

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Sammy

 

Give Me A Few Days And Ill Look Into Your Thread

 

As Stated Before, You Have No Worries At The Moment

 

The Default Notice Is Crap

Account Terminated

 

All You Are Liable For Are Any Arrears Up To Default Date

 

Swivel Mr Palmer

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Its A Breach Of The Data Protection Act Letter You Need To Send, Used Quite A Few Times With Welcome,

Then Issued N1 For Non Compliance

 

Cost Em About 300 Quid Every Time

 

Can i do this myself for the fact that they sent transcripts of conversations with the holder of a different account in with my SAR info. Including employer details telephone numbers names partial debit card info etc.

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OK on the 6th May 2008 i made a debit card payment for 255.30 which went through ok, (bank statement as proof) My balance went from £8577.84 to £8327.54.

On the 9th May 2008 this payment was debited back to my welcome account so my balance went from £8327.54 to £8577.84.

 

So I am asking is this classed as theft :evil:

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Stolen Is A Bit Harsh To Begin With

Get To Know Welcome A Little Bit Better First.

You Will Then Find Out The Lyg, Cheag, Scm Bas They Are

 

Address The Letter Complaints And Send Recorded.

 

I Know You Are Angry But Things Need To Be Done In A Set Way

 

Be Diplomatic To Begin With And Request An Explanation,

 

Waiting For The Reply So Post The Letter Onto Your Thread When You Get It.

 

It Will Be The Usual Waffle But We Can Escalate It

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But i made payment with my card and it went from the bank ok, which is fine. its just that they have had the payment from me, credited it to my account then a couple of days later, debited it from my account so it looks like no payment was made. The description they have given it is as follows:

09/05/08 O2 Payer Deceased Debit £255.30 £8582.84

 

:mad:

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Sammy

 

I Dont Mean To Go On But You Need To Send A Letter To Complaints

You Cant Escalate A Complaint Until This Has Been Done.

It Stinks But Thats How It Is

 

Im Afraid You Need Patience To Get Justice

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Have a look at what i'm sending them and please give your input.

Thanks

24th March 2009

Account Number:

To whom it may concern

Point 1 My Wife has been through my loan statement that was sent to me on the 4th Feb 2009, All the Payments made to the account from myself have all be reconciled to my Bank Statements, except for one dated 06/05/2008 Adhoc Card Payment Credit £255.30, this payment left my bank account on the 7th May 2008 (statement No.14) which is so far correct, then on 09/05/2008 the loan statement reads O2 Payer Deceased Debit £255.30, So the payment was taken back from my loan account even though it has been debited from my bank account, I have enclosed a copy of the bank statement to back this up.

Point 2 I would like a full reason and understanding of why on the 27/03/2008 I had an HDPI fee charged to my account £17.73 and on the 02/11/2006 I had an ad Hoc Fee of £100 applied to my account could this be the option fee......................

Point 3 please could you give me full breakdowns including explanation as to why the following amounts were applied to my account:

26/02/2008

£19.98

30/01/2008

£19.41

16/01/2008

£16.70

29/11/2007

£25.00

26/11/2007

£12.26

13/11/2007

£10.00

25/10/2007

£10.00

25/10/2007

£12.01

25/09/2007

£6.94

19/09/2007

£10.00

14/09/2007

£10.00

10/09/2007

£10.00

05/09/2007

£10.00

04/09/2007

£20.00

28/08/2007

£5.56

24/08/2007

£10.00

23/08/2007

£10.00

16/08/2007

£10.00

14/08/2007

£10.00

14/08/2007

£20.00

23/07/2007

£5.62

26/07/2007

£5.33

25/05/2007

£7.10

27/03/2007

£10.00

14/02/2007

£20.00

14/12/2006

£20.00

02/11/2006

£100.00

 

It states on the bottom of the loan statement that capitalisation is interest, but how can I be charged so much interest when I have already been charged interest in the beginning, Charge for Credit includes the interest for the Car and the acceptance fee, Isn’t what you are doing called ‘Capitalising interest’ and is not advisable there are only certain situations that demand it be done. Please could you advise me of the reason why you as a company felt it necessary to capitalise interest on my account.

Point 4 if you look back at my notes you should see that I complained regarding the interest on the acceptance fee, I received a response from Mr Palmer which stated that you do not charge interest on the acceptance fee and that if I had evidence in which to prove you had charged me interest on my acceptance fee then I was to send it to yourselves, which I did, Yesterday I received a letter responding to my calculations stating that you do charge interest on the acceptance fee, I find this quite laughable as the first response had come from your legal compliance officer and the second had come from a compliance officer, so which one of the two are correct, both responses have been forwarded to the FOS as I feel this is not a correct a full response to my complaint.

Point 5 I asked in a previous correspondence if the insurances on my account could be refunded and cancelled as I felt that they were not necessary , At the time of purchase I was told I would have to have it as if the car was to be written off then my normal car insurance would not cover the outstanding finance , The breakdown insurance we were told that we would need this as if the car became faulty then this would cover it, Well the car did become faulty when I rang welcome finance and told them I was given the number for welcome insurances, the lady I spoke to their told me to take it to a garage and find out what is wrong then give us a call back and we will see if it is covered. We paid for this out of our own pocket.

Now from the beginning of these so called policies I have not been given any policy numbers, documentation or contact numbers, so I do not know who the policies are with what is covered and how long they run for, So as I have not been given this information I think it only fair that I am given a full refund of insurances, interest charged and interest accrued on what I have already paid, if you cannot do this then please provide me with the Name of the Companies whom I am insured with and their contact details, so that I can get a full refund. By law you have to provide me with my insurers details.

I would like to make you aware that my account will remain in dispute until you have looked at all points in this letter and taken the actions necessary to correct them, As they are all errors on your behalf, Please find the recap below this statement.

Point 1 The balance on my account has been incorrect since 09/05/08; because a payment was credited to my account then it was wrongfully debited. As you will see on the bank statement this payment was paid to yourselves on the 7/05/08. Bank Statement No 14 (included as proof).

Point 2 What is a HDPI fee and why it has been charged to my account at £17.76, what was I charged £100.00 for on the 02/11/06; a full explanation must be provided.

Point 3 Charges listed above must be given a full explanation as to what the charges were and why they were charged, where interest has been charged a full explanation must be given to why you felt it necessary to Capitalise on the interest as this can only be done in situations that demand it.

Point 4 Two responses sent from you regarding interest being charged on the acceptance fee, both responses give different verdicts, which is the correct verdict the one from the Legal Compliance Officer Mr Palmer or the one from the Compliance officer.

Point 5 Please refund all of the insurances, interest charged and interest accrued on them to date, if this cannot be done then please forward details of the insurers to myself.

I look forward to your response within 14 working days.

Many Thanks

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Thats Fine

 

Do You Have The Nottingham Compliance Address

 

As This Is Mr P

What Did You Expect

 

Sorry , You Will Get To Know Him Better From The Forum

 

Yes i have the address, just get fed up of writing letters to them. Is there anything i can do regards to the payment they have taken.

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