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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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Kensington & SPPL - Securitisation - reposession advice?


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Hi there

Been reading about securitisation and did a little research on my mortgages at Land Registry. They appear as:\

"KENSINGTON MORTGAGE COMPANY LIMITED" and

"SOUTHERN PACIFIC PERSONAL LOANS LIMITED"

Does this mean they have not been securitised? I was hoping to use some of the Carmel Butler info and various advise from other thread... now I fear I may not be able to?

Any advice would be most useful?

We had a possession order made by both companies around October, but have now fallen behind in payments again? Can they just go for a straight repossession without going to the courts or do they have to go through the courts?

Thanks

Lucky01

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Hi Lucky01

 

They have to apply to the court for a warrant of eviction, however they do not have to appear at another hearing, so basically you could just get a letter telling you they have applied for a warrant and then 3 weeks later you get an eviction date.

 

It is now very easy for them to take possession, however once you have received an eviction date you can apply to have a hearing and put in a defence to the judge., You will hve to fill in an N244 form.

Let us now when you have received the warrant then we can help you further.

 

are you able to maintain payments going forward?

 

You will need to write to both lenders by recorded delivery ofcourse, enclosing a budget sheet and an explanation of how you are going to maintain payments, offer to pay an amount each month towards the arrears.

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Hi,

 

It is likely that your mortgage has been securitised. Have a read of the following threads which will explain more about and you will probably find some similarities to your case.

 

There are many caggers that are now following this and just recently there have been quite a few new additions giving there experiences and getting wise to these crooks. Please if add your experiences as there are many of us that can help and guide you.

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/175426-mortgage-securitisation-preferred.html

 

http://www.consumeractiongroup.co.uk/forum/mortgages-secured-loans/170607-spml-london-mortgage-company.html

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