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    • In that case I don't think you'd have any grounds for a claim against the receiver, short of anything actually criminal. The receiver was appointed by the lender so any claim you make should be aginst them. How much equity do you reckon there was when they took possession? Realistic value less outstanding balance (including arrears).  This messing around makes me wonder even more if the property was wildly over valued. Normally a lender would sell and not really care if they got the best price so long as they covered the balance plus their costs. 
    • Hey @lookinforinfo I'm not sure, I don't believe he told them he's the driver. He must have selected an option saying that he's appealing on behalf of the driver or something of the sort. In more news, however, these wannabe thugs are back at it again. Honestly, what a joke. In the letter they sent before this it said they had made "2 attempts" and in this letter they said "4 attempts", I wonder what happened to the "3rd attempt" lol.  WhatsApp Image 2024-04-18 at 14.06.07_44abc9c8.pdf
    • Hi all, I purchased a car in January from Big Motoring World Leeds. At the time of sale I was shown a tab on the salespersons computer marked 'service history' and I was able to take comfort knowing that the car had been serviced on 3 occasions as the date, mileage and company was there on screen. Being a 3 and a bit year old car that, in my mind, constituted full service history 🤷‍♂️ Anyway, collected the car a week later. Once home I settled down to through the book pack etc. Opened the service history booklet and it was completely blank. In addition there were no invoices detailing that any services had been done. I duly contacted BMW and asked them to supply me with proof of service history. They responded saying that on their 'vehicle documentation checklist' I had ticked and then signed to the fact that I had seen the service history and that I was happy with it. I dug out this checklist and what it actually states is 'seen service history online' which I had in the showroom. BMW seem to think that this satisfies their responsibility in providing service history. The reality is that I don't have any proof that the vehicle has ever been serviced! For my own peace of mind I ended up paying for a service that satisfied the manufacturers maintenance schedule to the tune of £330. I even complained to the finance company that the vehicle contravenes the Sale of Goods act 2015 as l, in effect, ot is not as described. Amazingly they weren't interested and instead I just got an email stating that it's not illegal to sell a vehicle without service history and that servicing costs were part and parcel of vehicle ownership. I've since complained to the ombudsman and am awaiting to see if they can help. I have no issue with the car but the treatment and customer service has been the worst I've ever experienced. I don't really know what to do next as I really do feel aggrieved that I've had to pay to service a car that should have already been serviced. Can anyone point me in the right direction please? 🙏
    • Fraudsters copy the details of firms we authorise to try and convince people that their firm is genuine. Find out why you shouldn’t deal with this clone firm.View the full article
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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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ADVICE NEEDED. PLEASE READ BELOW

 

ATT. COMPLAINTS DEPT 08/09 /09

REGARDING Acc No.XXXXXXX

 

I wish to make a complaint regarding the above account. I was informed by my local office regarding charges made on my account (XXXXXX). After querying these charges I requested an S.A.R which I eventually received. On looking at the account statement I have noticed that there are various discrepancies on this statement. These are as follows; on the original agreement (with all insurances added) I paid £316, this has been deducted off the second agreement after interest was calculated which is wrong as the new agreement should have been £316 less before interest being added. The cash deposit (£200) I paid at the point of sale is not on the statement, this next complaint concerns your sales rep who sold me the car. I traded my 1998 Honda civic against my new car and was advised by the salesman that although the £1000 trade would show up as £1 on the paper work that it would be deducted at the beginning of the following month after completion of the sale of the car due to the way their accounts were dealt with (creative accounting I think) also I was entitled to £250 cash back and was given the option of waiting on the promotion to pay out or have this deducted again at the beginning of the month off of my account. I agreed to have the £250 deducted off my account. On Looking at the statement I was horrified to notice that there was no £1000 deducted, no £250 deducted and no cash deposit deducted off my account. I have also noticed that your company has added breakdown cover when clearly on all paperwork there is no mention of this cover being applied for. I have all paperwork to back up all my grievances regarding this account which I think are very unfair and unjustified. To date your company are still advertising £1000 minimum trade in and £250 cash back after being accepted. My car at the time was worth more than £1000 but agreed to the trade in as I was getting a nice newish car which I was delighted with at the time. (Your website says that the customer qualifies for £1000 trade in after the sale is completed. My sale was completed 16 months ago so were is the £1250 as promised. I wish to have these grievances satisfactorily concluded within 7 days or I will exercise my right to put my account into dispute until my complaint has been brought to a satisfactory conclusion. If deemed necessary I will induce COURT action as a LAST RESORT. I hope to hear from your company soon with a satisfactory conclusion to this mess my account is in.( THIS IS A QUICK DRAFT LETTER TO WELLSCUM. DO I HAVE A RIGHT TO PUT THIS ACC INTO DISPUTE

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I Got Had In The Same Way You Did, I Gave Them My Old Car And They Put £1 Part Exchange On The Contract. (salesman Also Gave Me A Story As To Why It Was Put Down As £1)

Didn't They Advertise On The Tv They You Would Get £250 Just For Going To Their Showroom?

 

I'm Sure Someone Will Come And Answer Your Question Soon,

I Will Be Watching This Thread!!:)

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Hi Abbie ive even got the web page saved which states this info about the £1000 and £250, that is for starters they think they are smart but not smart enough.I have the contract wich states no insurances and then on the statement they have added on £299 for mechanical breakdown and recovery,more lies.

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If it's not on your contract they shouldn't be takeing it. Don't give up! screw them for every penny! I am paying £000's in ppi that I was told was compulsary! I also want to screw them over!

I can't believe that they have the nerve to do this to people!!

 

I feel like standing outside their office with a sign warning people what skum they are!:rolleyes:

 

Good luck with this,

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They charged me £299 for gaurdex which i didnt ask for. Added to total price with interest and some months later credited my account with £299 without telling me so in effect stinging me with interest all be it not a lot of money but its my money. All this on the one account and thats not all.

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I payed £200 cash deposit at point of sale and after the origonal agreement was re written (without insurances) the £200 dissapeared and the £318 i origonally paid was taken off after interest was calculated on total price. This is all on the 1 account

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Well i'd start by claiming back any insurances you feel have been mis-sold. You mention that you have mechanical breakdown but do you have PPI or shortfall/gap insurance? There are template letters on here that you can modify to suit.

 

I'd also send a formal complaint asking for them to fulfill their promise of £1000 and £250.

 

Get it all down in writing and send it recorded/special delivery to their compliance department. State in your letters that you want it resolved in 8 weeks or you shall take your complaint to the fos.

 

How old is your agreement?

 

good luck :)

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The point im making is that after a rewrite due to duff insurances i got a new agreement i did an S.A.R and found the following:-

1. On the statement they have added on £299 for mech breakdown,not on agreement.

2. recalculated interest then deducted first repayment of £316 from origonal agreement off second agreement.

3. recalculated interest including payment of £299 for gaurdex paint protecter (which i didnt ask for), then months later refunded £299 without interest back to the account.

4.No mention of £200 cash deposit( which i have a receipt for)on the agreement or statement.

5. I traded in my honda and at time they had the £1000 min trade-in and £250 cash-back for bying a car out of their showroom. they told me the total would be taken off the account statement (i have the advert on the webpage saved). PLEASE CAN SOMEONE TELL ME IF NOW THAT IVE HAD MY S.A.R FOR WHAT ITS WORTH AND FOUND ALL THESE POINTS IF I CAN PUT THIS ACCOUNT INTO DISPUTE?

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Hi Post thanks for your time, the only time the deposit was mentioned was on the origonal agreement but not the origaonal statement and not on the new agreement or new statement. they gave me a receipt for £1 for my car and told me that was the way they did it as it was a promotion and that it would be taken off the account statement along with the £250 cash back. I believed them stupidly as this was my first car on finance. My trade car was worth maybe more than £1000 at the time

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Regarding the deposit....The cash deposit wont be mentioned on your statement, the opening balance on your statement will be:

 

The total amount payable (find this on your agreement) minus your deposit and minus the option fee (again, on your agreement). So that explains why the deposit isn't shown on your statement.

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