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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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      • 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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desperate for help....


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Ihave my friend coming over in abit to research lbl, she took a loan out for 1500 against her car and pays 300 a month she was ok keeping up payments until her circumstances changed and missed last months and this months payments.

she emailed lbl to explain the situatuion and to see if tthe arrears can be added to the remining payments. they have told her she has until next tuesday to pay the fukk 600 or they are going to repossess it.

There is no way she can pay it, no way she can be without a car (she has to get to work and there is no public transport to her place of work where she works shifts in the evenings)

She phoned me really upset and asked me to go with her to yes car credit to see about getting anotherr car and let them repossess her one. There is nothing wrong with her car its just she cannot afford the 600 pound they want and struggles to keep up the payments of 300 pund. ideally she can now only afford 200 a month.

What would happen if she was to sell the car and buy something cheaper is that allowed?

any advice that i can give her wil be great.

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If she sells the car the loan will still be on the car so the person buying it will end up having it repossesed I also believe but not 100 % sure on this, i think they can ( or would attempt to ) also reposses her new car aswell should she buy one.

 

I had the same problem, circumstances changed & couldn't pay the full monthly amount, lbl finally agreed £160 per month untill my circumstances changed for the better & i can start to repay the full monthly amount again.

 

Hope this helps

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Ihave my friend coming over in abit to research lbl, she took a loan out for 1500 against her car and pays 300 a month she was ok keeping up payments until her circumstances changed and missed last months and this months payments.

she emailed lbl to explain the situatuion and to see if tthe arrears can be added to the remining payments. they have told her she has until next tuesday to pay the fukk 600 or they are going to repossess it.

There is no way she can pay it, no way she can be without a car (she has to get to work and there is no public transport to her place of work where she works shifts in the evenings)

She phoned me really upset and asked me to go with her to yes car credit to see about getting anotherr car and let them repossess her one. There is nothing wrong with her car its just she cannot afford the 600 pound they want and struggles to keep up the payments of 300 pund. ideally she can now only afford 200 a month.

What would happen if she was to sell the car and buy something cheaper is that allowed?

any advice that i can give her wil be great.

to loopy

make sure you read all the threads on here there is lots of good advice on here do not let these ppl pull the wool over your eyes by telling you what your rights r cos most of the time they r just trying to scare you in to doing something that you dont have to do

hope you get it sorted x

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LOOPYLOOPY

 

DO NOT SELL THE CAR. We bought a car in April last year only to have it took of us in December 08. We did not have a loan with LBL but the previous owner of our car did. Previous owner had took a loan on the car then sold it to us stopped paying the loan. We left with nothing. We had our story in the daily mirror last week. Please do not sell the car others can suffer too.

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Its my friends car not mine, She has been in contact with lbl's today and they have now agreed to phone her tomorrow to discuss her options with the view of putting the arrears over the remaining term.

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Hope they have luck with lbl no one else does. Jus ask them not to sell the car. If need be hide car so no one can find it.

I managed to strike a deal with them, i now pay just over half of the original amount untill things improve for me, even the bailiff phoned me to tell me they would be backing off & wont be back unless instructed by lbl, the thing that really p****d me off was that lbl are charging me £300 for the bailiff to come to my house, i bet the bailiff fee is no where near that :mad:.

 

Maybe i should phone the bailiff & ask them what they would charge to travel a 40 mile round trip to go to someones house & leave empty handed.

 

Swappings cars ( not V5 ) isn't a bad idea if you live a long way from each other & the chances of them seeing it are slim to none then good but if you live just around the corner then they'll probably nab it in the nite while you sleep

 

Good luck loopy

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Many are suffering a similar fate as yourself - but there is no comfort in numbers - what you need is practical advise that may help you.

 

Be firstly aware that LBL are licenced by the OFT and the OFT have published guidelines on how LBL's and all licenced Companies should handle debt issues with their customers.

 

I urge your friend to send an email to '[email protected] and copy it also to [email protected]

 

Your email message should outline the fact that you have advised them that you are experiencing financial difficulties and that your offer to spread the arrears over a given period until repaid has been refused and that under the guidelines you feel harassed and threatened by their suggestion that they intend to recover your vehicle.

 

Then follow your email up with a phone call to the 'recovery team' at Log book loans and advise that you have emailed Mr Debie and the OFT and ask if they intend to proceed with their repossession considering your financial situation.

 

Make a note of their comments - if it not favourable to you, then whilst I would never condone anyone hiding their car - after all you are not a criminal - why are they hunting you down? - I would suggest that you do if you can and do a 'car-share' whilst you await the outcome.

 

You may also be interested to know at this time that LOGBOOK LOANS HAVE BEEN MINDED THAT THEIR LICENCE IS BEING CONSIDERED FOR REVOCATION - this is entered against their Company registration details on the OFT Public Register - might be an idea to attach a copy of it to Mr Debie in your email to him...... perhaps he may reconsider his actions towards you? This means they have 21 days to make representation to an independant Adjudificator to give reasons as to why the licence should be retained. They clearly will be aware of this, and yet I cannot believe that they continue 'harassing' customers as though this is not a serious issue for them - either that or they are trying to 'bank' as much money and cars as they can before their licence is revoked????

 

Please see the attachments below...

Licence Details of log book loans.txt

oft664 Debt Collection Guidance.pdf

[COLOR="red"][B][CENTER]"Errors do not cease to be errors simply because they’re ratified into law.” [/CENTER][/B][/COLOR][B][CENTER] E.A. Bucchianeri[/CENTER][/B]

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