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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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"logbook Loan" Please Help!!!!!!


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LAST YEAR I TOOK OUT A LOG BOOK LOAN ON MY O3 REG CLIO ,IVE PAYED THE LOAN CONTINIUS SINCE JUNE .EVERY WEEK WITHOUT FAIL ! IN SEPTEMBER MY CAR BROKE DOWN & WAS OFF THE ROAD FOR 2MTHS UNTIL I FINALLY DECIDED TO TAKE IT TO A GARAGE & GET IT REPAIRED & IT COST ME & IM A SINGLE PARENT . IN JANUARY MY CAR BROKE DOWN YET AGAIN & NEEDED A LIST OF THINGS DOING TO IT THE QUOTE I GOT FROM THE GARAGE WAS REDICULOUS & THEY WERE THE MINOR THINGS THAT NEEDED DOING ,SO I NEVER PAYED MY "LOAN" THEY CALLED ME ON A COUPLE OF ACCASIONS I EXSPLAINED WHY .I SENT THEM A COPY OF THE GARAGE QUOTE & ALSO EXSPLAINED IT WAS DUE TO BE TAXED & READY FOR AN "MOT" I SAID I COULDNT AFFORD 1800 SO THE CAR WAS GUNNA BE DECLARED OFF ROAD OR WAS GOING TO THE SCRAP YARD .THEY OFFERD TO TAKE 300 OFF ME UP FRONT THEN WANTED 150 A WK FOR 8WKS OR IT WAS GOING TO THE "REPOSSESION DEPARTMENT" ! I CANT AFFORD THAT & I ONLY HAD 1000 TO BEGIN WITH & IM SCARED OF WOT THEY WILL DO ????? AFTER ALL WOT CAN THEY DO IF THE CAR IS GOING TO BE SCRAPPED WOT GUD IS IT TO THEM ?????? HELF XX:confused:

Edited by funkydiva25
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Guest Happy Contrails

The legal position is the car belongs to Log Book Loans regardless of the mechanical condition it is in. You signed a Bill of Sale. You also agreed to a loan with an interset rate with a repayment schedule so that is still due regardless who has the car. Unlike the EU, UK law does not set a maximum interest rate a loan can have.

 

Log Book Loans cannot breach the Consumer Credit Act 1975 & 2006 and must be licensed to trade in consumer credit with the Office of Fair Trading (Craven House address).

 

You need to speak to a Log Book Loans expert for help. Try the LBL forum.

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funckydiva25.

 

As Happy Contrails suggested, I'll move this thread to the LBL's Forum, hopefully you'll get more help.

 

EDIT: Thread moved.

 

Regards.

 

Scott.

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  • 1 month later...

the whole thing of log book loans should be outlawed.. it is awfull, they prey on the needy, and give them a lifeline,,,but it is not by any means a life line to anyone the rates they charge i think these companies should hold their heads in bloody shame there should be some law against them..we have been long term unemployed so i know what it is like do without , we are a little bit better of nowith working and also been tempted with these companies [brighthouse] would;nt touch them either, the rates are really bad just do without we have ,,,its been hard by no means but would;nt touch these companies with a barge pole im afraid,,,

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