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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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Affirmative Finance Loan Settlement Charges - Help Wanted Please


demelzza
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Hello Everyone

 

Some months ago, amazing people on this group gave tremendous advice and support, that allowed me to avoid eviction and to remain in my home until I completed on a sale. Exchange is due this week....

 

My question this time is this; I have a bridging loan also on the property, run over time and paymants outstanding, because of illness, job loss etc. Now these people will be taking from me the amount of the original loan, which of course I owe; then the outstanding payments, which I owe, but then they want to add another 50% on top with no explanation why or breakdown of how they reach the sum they are asking for. They tell me it is negotiable, but before I even get into that, I want to know if they can just charge any figure. We have to agree of course, or there won't be any completion, but that will not be to their benefit I know because they won't get their money.

 

I need to resolve this soonest and thought here was the best place to start.

 

Many grateful thanks,

 

Demelzza

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Presumably you signed some kind of contract for this. If you have a copy then I suggest you start by reading the small print.

 

When you say they are adding 50% on top, what is it 50% of?

 

Also who was the loan from?

 

Was the loan for over £25k?

 

Was there PPI on the loan?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hello

 

Thank you for your reply.

 

It is 50% of the original loan of £79k, from Affirmative Finance, according to my solicitor who received a settlement from them last week it was £126k, two days later in court, they tell me £128k.

 

No there was no PPI.

 

I am wading through the small print, but as is so often the case, it is as clear as mud!

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Flaming Nora. That's ridiculous.

 

I'll move your thread to a more appropriate forum to see if we can get you more help there.

 

You could write to them and ask for a breakdown of how they've arrived at that figure.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 3 weeks later...

I would send this crew a sar and demand the breakdown and reasoning behind this extortion, I would also instruct the solictior to only pay back the original loan and interest applied, less the payments you have made

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