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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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can any one give me advice on a bad loan


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hi i am new to this.

my husband took a loan out in 2002 and paid the loan for a few years, he then lost his job!

We tried using th ppi insurance and were told flat out no way!

even though we had paid this.

I have since realized the ppi was added at the start of the loan occuring interest making my husbands loan aroun £4000 more.

I am in the process of claiming the charges, interest and ppi back and the solicitor has advised this is a strong case for an unenforcable loan?

i am unsure of what action to take lucky i still have the original credit agreement but where do i go from here?

:p

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hi i am new to this.

my husband took a loan out in 2002 and paid the loan for a few years, he then lost his job!

We tried using th ppi insurance and were told flat out no way!

even though we had paid this.

I have since realized the ppi was added at the start of the loan occuring interest making my husbands loan aroun £4000 more.

I am in the process of claiming the charges, interest and ppi back and the solicitor has advised this is a strong case for an unenforcable loan?

i am unsure of what action to take lucky i still have the original credit agreement but where do i go from here?

:p

loan stands at 14,075.

original loan 10,000

paid for 3yrs at around 350pm

not trying to get out of paying but do the amounts add up?

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Welcome to the CAG forums Homer.....You say the solicitor has said the loan is unenforceable, probably because you were missold the PPI !! so as you had tried to claim using the so called PPI, it wasn't even worth the paper it was written on !! this taints the whole agreement !! Is your solicitor progressing this for you ?

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hi, thanks for your help, the apr was stated at 7.9 at 0.64 per month since getting the accountant to add up the figures my husbands loan was actually charged at near 8.5%.

my husbands agreement has no overall cost for credit i.e the total amount payable the loan itself was actually for £18,000 including ppi of £3.200 my husband paid 9000 but the loan still stands at £14,000

in effect my husband if he had repaid the debt would have been charged £22,000 not what was on the agreement.

the credit agreement itself has no information and the bank are saying they have no info on the loan, no credit agreement no proof of previous payments and as my husband was self employed he should never been sold ppi on this loan.

does this make sense any one?

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  • 2 months later...

hi

ive recieved a final response from the bank they r trying to now refund all ppi products from loan 1 2 and 3 a total of nearly £8,000.

they have still chosen to ignore my complaint over there overcharge or interest and apr.

and wont to credit this money to the outstanding balance?

i have to draft another letter to them and could do with some help please.

my issues are the loan as a whole the credit agreement does not have a true cost for credit or even any payment dates it is more like terms and condition's the apr and interest are charged incorrectly.

my husband is saying he never signed it in 2004 and had no funds available in his account like the bank are saying.

the bank have also ignored my requests for his bank statements.

also out of £3000 in bank charges they are only trying to give him £925.00.

also the only reason this loan is in this postion is because my husband lost his job, the bank would not let him use the cover he paid for surely this is under the mis sellin act but i need help please!!!

the letter also states they should not have lent him money as they feel he couldnt pay it back?

also as a good will gesture they want to errase his outstanding credit card bill which has absolutly nothing to do with his loan?

help required pls

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