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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
      • 162 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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Can anyone help??


jojo
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I have a problem in which i need advice if anyone can help me?

The problem is that a couple of years ago i took a loan out in my name, from the abbey, for me and my partner.

 

We were paying it back no problem as my partner earned more money than me so it wasnt an issue and we kept the payments up.

Unfortunatly my partner died and i was left to pay the loan plus credit cards etc on my own(he didnt have life insurance or any savings) so inevitably i fell behind with everything as i had to take a lot of time off work and i got into debt.

 

My debts are now been managed by a debt managment company and i am starting to get straight except of course for the usual spiral of bank charges in which i wrote about in a previous thread i mentioned i was annoyed that they have charged me £30 for been £5 over my limit.

 

My problem is though because i couldnt afford to pay my abbey loan and it is now been paid at a minimum amount with frozen intrest charges as arranged by my debt managment company does it seem wrong that i am trying to claim back all my charges from the past 6 years when i owe them so much money and can they peanalise me because of this?

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I am in similar position to you, if the worst comes to the worst, I would think that they would simply apply the amount you get refunded to the amount you owe, so you would be better off in some respect.

 

However I'm no financial genius, maybe someone else can throw more light on the subject.

 

I wish you luck in your endeavours.

 

Kev.

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Do you know roughly how much you would be claiming back in charges?

 

Your risk is that the bank withdraws the frozen interest arrangement. It may still be worthwhile to make a claim but you have to be cautious and, I would suggest, discuss it with the DMC.

 

One other thought from your email- the debts that you are paying back were in your name or joint names weren't they? You are not paying back anything that was solely in your partner's name are you?

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no unfortunatly everything was taken out in my name i was only 24 didnt expect anythin to happen like that boy i do now!!.

i have no clue how much the charges will be till i get my statements an stuff but i have been charged 200 this month and i always gettin charged for something so reckon it will be a fair bit will let you no more when i get a better idea

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refer to the abbey terms and conditions 6.6

we consider cases of financial difficulties sympathetically and positively,and we have a secialist team that can help.

 

blah blah blah did they help you ?

did they bla!

please read the rest of it you may find it quite interesting

1)wintermare vs abbey

SETTLED £1901

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did they hell!!! they were most unsympathetic i told them i couldnt pay i offered lower payments and i was even refused a new loan with lower payments i had no choices till i contacted the dmc.

Am speaking to the dmc tomorrow so will let you know what they say

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Hi Jo jo

 

Very sorry to hear about your situation, i just want to wish you all the best, i cant believe how abbey acted :x just goes to show you doesnt it!!

 

I would suggest you go for it and reclaim the charges.

Natasha

 

Abbey-received DPA letter on 13/03, received some breakdown till 2004 waiting for the more recent ones(where most charges occurred)

sent reminder email on 17/4/06

called abbey on 19/04/06 to remind them:rolleyes:

sent another email on 26/04/06:mad:

Approx charges £2500

received £500 refund in dec 06

sent LBA

Capital one- sent DPA letter 17/03

Sent prim letter for charges of £260 14/04

Received a refund £109 awaiting further refund of £151

Settled IN FULL

Barclay card- Sent DPA letter 17/03 sent reminder 14/04

received info claiming £120

settled in FULL

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  • 12 years later...

This topic was closed on 03/06/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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