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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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NR being intransigent


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My daughter & her husband secured a mortgage from Northern Rock.

Subsequently my daughter developed severe DVT and was obliged to give up teaching; they then moved back home with us so we could give her support.

They want to sell their place.

Unfortunately, like so many others, their property/mortgage relationship now places them in negative equity. They requested permission to let their home until the market improves sufficiently to sell. NR, after having indicated no problem, on the phone, then sent a form indicating a ‘let’ could only occur if the mortgage did not exceed 70% of the equity value. At this point in time the ratio is more like 120%, so they were refused permission.

2 questions.

1. If NR learned that she has had to currently give up work would they foreclose on the basis that the original mortgage would only have been granted on the joint income? And

2. I believe the form sent to them re- letting was an old one and does not really have validity required to meet today’s extraordinary circumstances. Has anyone out there experienced this.

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They wouldn't - and couldn't - repossess just because your daughter is no longer working. They would only go for repossession if the mortgage wasn't paid.

 

I've no certainty on this but I really can't see any bank or building society agreeing to a let with a loan to value of 120%. Having said that, your daughter may have a bit more luck if they manage to talk to someone. There's usually a phone number or address that you can contact if you're having difficulties paying the mortgage. Perhaps she could try that route?

 

I'm guessing that the house was bought with a 100% mortgage at the top of the market. Unfortunately there will be many many people in your daughter's position. (And worse - those that took the 120% mortgages at the top of the market will now be looking at an ltv of around 140%)

Edited by bedlington83
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Many thanks Bedlington83 - it was, in fact, a 90% mortgage and I fully understand what you've said BUT, given the rather unique set of circumstances currently existing one would have hoped for better than slavish adherance to a pre-existing set of criteria and rules!

Mind you - imagination in the Civil Service; used to exist but a bit like rocking horse droppings these days!

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