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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
      • 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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Mortgage Interest Support, MI12 and JSA3


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blurredFX they will pay whatever your interest rate is UP to 6.08% its a ceiling figure noy a set figure. However if your mortgage came down during the period they will pay up to 6.08% they would still pay the higher figure.

The rate they will pay as a maximum is set at the BOE rateplus I believe 1.51% the reason it is so high at the moment is that the chancellor specifically extended it at the higher rate first for 6 months and then again for another 6 months and it is set to revert to its "normal" rate in January.

Sorry to disappoint.

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yes I do mean that period nothing shows on my mortgage statements though.

With regards to the % I assume it will revert to 1.5% + BOE rate which would be 2%.

Most of us are however are on LIBOR rate which is currently 0.6% so there would be a slight discrepancy of er about £8 per hundred grand!

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Any overpayments "will reduce the balance on your mortgage account".

 

Same here. Don't expect to get any money back off the mortgage co if you are in credits on payments.

I know someone who found out he was 5K in credit in payments on his mortgage (nothing to do with MIS). Went to the bank "can I have my money?" bank "no" customer "why not its mine?" bank "er no you just owe us 5k less now". They were able to of course use the credit as effectively a payment holiday if they had wanted.

But I think it puts the point across you are still in debt to them for xx thousanf

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