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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Help please


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Are you saying that you have not paid anything for the last 8 years or just paid reduced amounts for that period.

 

I would go straight for a SAR and the reclaim all the charges they have stung you for (on the asumption it isn't statute barred)

 

fox

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as posted on your other thread

 

Are you saying that you have not paid anything for the last 8 years or just paid reduced amounts for that period.

 

I would go straight for a Subject Access Request and the reclaim all the charges they have stung you for (on the asumption it isn't statute barred)

 

fox

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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A CCA request might bring you a copy of the agreement which may or may not be valid. If it's invalid you can legally stop paying until they supply a valid one. I don't recommend this route.

 

A SAR will bring back everything (hopefully) they have.

 

I suspect they didn't reduce or freeze the interest on the loan and quite possibly lots of charges on it.

 

Did you not receive any statements in this period?

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Then I would definitely send a SAR:

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/576-subject-access-request-debt-a-dca

 

Send with a £10 postal order.

Send Recorded Delivery and track it via the Royal Mail website

They have 40 days from receipt to respond.

 

Normally I wouldn't recommend signing the SAR but loads of these companies are now sending letters saying they won't comply until you sign so either use a digital sig or sign in your usual way but adapt it a little to make it positively identifiable and make a copy of your different signature.

  • Haha 1

If you are asked to deal with any matter via private message, PLEASE report it.

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  • 2 weeks later...

Got your PM.

 

Regarding T's&C's I'm afraid I'm not experienced enough to advise although I do think there should be a total amount payable.

 

Just a thought. Was this a variable interest loan? If that is the case they can't put a total amount as they wouldn't know the interest rates for the future. If it was a fixed rate loan, they would know the total amount.

 

Without a scan of the agreement, nobody can advise. Do you have a digital camera? If yes or you can get hold of one, let me know and I'll post a copy of a how to which will help post your pics.

 

While you sort that out, go through the statements and work out what charges are there, add interest and prepare a claim for a refund.

 

On your agreement, did you apply for PPI? Did they add it without your knowledge? At the time of agreement, were you self employed?

 

Best I can do I'm afraid.

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Right,

Try and light the pages so there is no glare and photograph from as directly above as possible then follow this how to I stole :)

 

It seems tricky at first, but is fairly simple really.

 

1, Scan your DCA letter/whatever you want to show on the forum.

Ideal setting is 100dpi as it's closest to computer monitor display resolution.

 

2, Save the scanned image as a jpeg

Step 2.5 Edit out any personal information, barcodes or any other comments, notes or markings around the edge of the document. Never change the original document you received

2.5, Load the saved image into MS Paint. (comes free with Windows.) Use the pain brush or spray can to remove/paint over any personal info, such as name, account number, address, etc. Also remove any barcodes, as some DCAs may be able to identify you from these.

 

3, Create an account on Photobucket.

 

4, Once you have a Photobucket account, you'll find on the main webpage little box where you can upload photos. Click the "upload image" box and then tell it where on your hard disk you saved your scanned jpeg. It will then upload the image to Photobucket and it will show you thumbnails of the images you have uploaded. Under each image there are links that you can copy and paste.

 

5, Copy the IMG link below the image you want to put on the forum. Then reply to thread on CAG. Right click with the mouse and select "paste" from the little menu that pops up.

 

6, You'll then get some text appear in your message that looks a bit like this.

 

imagename.jpg{\IMG

 

When you submit the reply, the text will change into the image you uploaded onto photobucket. The text you copied and pasted is just the information the forum needs, so it knows where to find your photo and display it in your message.

 

 

Courtesy of Fuzzybobble

------------------------------

 

If you get stuck, try saving as a pdf file and upload instead

 

fox

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Been having a look around and found this:

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/162851-consumer-credit-agreements-guide.html#post1894837

 

Looking at your agreement, something doesn't look right. (apart from the right to cancel) I'm not experienced enough to spot it but this post will give it a bump anyway.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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