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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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Please Help - Allocation Hearing tomorrow

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Hi All,


Please can you help, my ex has an allocation hearing tomorrow morning and is not at alll prepared. Due to my illness I have been unable to help him prepare for anything!

Can anyone give me some info to tell him what to expect please? or some advice for the hearing?

He owes £20000 to Tesco Personal Finance which was a loan he defaulted on due to certain cirumstances. He has been paying a token payment to Tesco for a couple of years but they wanted a ridiculous amount of money a month £400 is because he is a home owner (Although he does not live in the marital home, I do and pay the mortgage). They were not willing to negotiate or stop legal proceedings although he has still carried on paying the small token payment he was advised to do by the CAB.

Any help would be very much appreciated!


Thank you

Stressed ...

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I suppose that you don't need reminding that £20,000 is a very large debt. If there is an allegation hearing then presumably this is to decide whether the case should be multitracked or fast tracked. It will be better to you if it is fast tracked because if you lose, the amount of costs you will have to pay will be limited.


The advice that he should keep on paying the regular payment is good advice and he must not stop paying it under any circumstances.


Is the debt comprised of any charges imposed for late payment or non-payment etc? If it is, then those charges are likely to be unfairly high and subject to the same kind of reasoning as bank charges which are the subject of the present test case.


Although your husband does not live in the marital home, if he is formally a co-owner of the property, then it is entirely possible that eventually a charge will be placed on the property.


Whatever happens, one of the things that you want to do is to reduce the amount of costs that you may become liable for and which will be added to the outstanding debt.


The way to do this will be to agree and to admit the uncontested part of the debt and need to defend on the rest. Then in respect of the admitted part you will have to negotiate a satisfactory scheme of repayment. If you do not do this then there is a significant chance that a charge could be put on the property and that eventually it could be sold.


Sorry if this is gloomy news. You don't give much detail but from what you do say, this is my reaction

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Thank you for your reply, is there anywhere I can get information regarding charges on the house please, I have a young family and feel Iam powerless to do anything regarding his debt!

Stressed ...

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