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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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Help with Welcome Finance


beyondhope
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Very rough draft.....

 

 

I acknowledge your letter dated 10th March 2010, received on 13th March 2010. The contents to which are duly noted.

 

Regarding my complaints, I have a few issues to raise following your response, these are as follows.

 

Looking at the statement of account you sent as an attachment to your letter, the opening balance of the account is shown as £11,772.85. The total amount payable shown on the agreement is in fact £11,674.85. This is a difference of £98.35. Could you please explain what this amount of £98.35 represents.

 

The statement of account also shows a figure of £8953.08 to be the figure at the inception of the modified agreement. The statement however doesn’t show how this figure was reached just that this figure was paid off on the date of the new modifying agreement.

 

You state that the total amount payable on the modified agreement of £11,772.85 was incorrectly handwritten and should have been £15657.74.

Could you please explain to me how such a large figure of £3884.89 could have gone un-noticed

Upon receiveing the subject access request i was most surprised by some of its contents. Letters addressed to myself all dated 8th march.

1. uplift instructions,

2. instructions to your agent to repossess the vehicle

3. thank you for choosing welcome finance,

4. request under s80 of cca1974,

5. thank you for your complaint letter, etc,

I have never received any such letters until I received this subject access request.

 

I requested copies of the underwriting sheet associated with my agreement which you have again not provided.

 

Due to the difference in the market value of the car and the amount I paid for the car (irrelivent, a judge wont be bothered about glass's guide) I will assume commission payments have been added there.(we need proof) Please confirm. I have several commission sheets in my possession (from where) that prove commission is standard practise on this type of agreement, (BUT IF IT HAS IT HAS TO BE DISCLOSED) I wish to view (NEVER WISH "DEMAND") the underwriting sheets associated with my agreement.

as I had no previous knowledge of this commission.(THIS BIT IS CONFUSING)

 

Following some research into my agreement I notice that it states "inc GX" next to the car details, I understand this to be Gardx paint protector. I was not offered this Gardx as an option and received nothing from you regarding this product. As I was unaware of this product being applied, if indeed it was, and unaware of what this part of the agreement was until researching it myself I would like a full breakdown of what this product has indeed cost including interest.

 

I was also shocked and appalled to find in the computer notes for this account a note regarding my lack of communication since the end of October 2009. I have in fact sent you 7 letters with proof of postage and signatures to prove i have.

 

In the previously mentioned telephone notes it is also stated that due to my lack of communication in writing you are at liberty to reinstate my telephone numbers to the system and contact if necessary. If these numbers had indeed been deleted how are they in the possession of your staff to reinstate them?

 

If I do indeed receive any further telephone calls regarding the above account I will forward a complaint to the office of fair trading. As I have requested previously that all communication is to be in writing only.

 

I would appreciate it if you could look into these matters at your earliest convenience.

 

I look forward to your reply

 

bee

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Mmmmm....sounds interesting! I replied to their stalling letter giving them 7 more days, I wouldn't want to be seen as being unreasonable now would I??;)

It's fine, another week isn't going to kill me :smile:

 

I wish it was more interesting but it really isnt! lol

hehe that 7 days will soon fly by :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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I look forward to your reply

 

bee

 

Thanks cab :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Have received an email from adjudicator dealing with my other complaint with fos confirmed this agreement will now be given its own reference and will be passed to a specialist team who deal with hire purchase :) I need to let them know about the repo as I sent it before they took the car but Ill hang on until I get a reference number first so it doesnt get lost in the system.

 

Letter printed ..... off to post office....catch ya later :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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C ya laters. . . quite right waiting for the referance number. . .

 

all done.....back to sitting and waiting lol

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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"Mmmmm" time for a mediterranean cruise then:p

 

cab

 

I could do a round the world tour 5 times and still not get any sense out of them :lol:

 

letter is sent!

been back in touch with contact law because ive failed miserably even going as far afield as Cardiff :mad: if all else fails N1 time it is....

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Well Done Beyond!!! You`re GREAAAATTTT as Tony the Tiger would say!!! lol ;)

 

Seriously GOOD letter. That should prick some ones ear hole. They may even begin thinking you might be serious.

 

Cheers and Good Luck, MARK

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I could do a round the world tour 5 times and still not get any sense out of them :lol:

 

letter is sent!

been back in touch with contact law because ive failed miserably even going as far afield as Cardiff :mad: if all else fails N1 time it is....

 

what are you failing on, what excuses are they giving you for not taking it on.

 

cab

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Well Done Beyond!!! You`re GREAAAATTTT as Tony the Tiger would say!!! lol ;)

 

Seriously GOOD letter. That should prick some ones ear hole. They may even begin thinking you might be serious.

 

Cheers and Good Luck, MARK

 

Haha good ole Tony lol

 

Id like to prick someone in their office I tell you and it wouldnt be with a letter lol

 

Thanks Mark :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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what are you failing on, what excuses are they giving you for not taking it on.

 

cab

 

Will PM - never know whos reading ;)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Will PM - never know whos reading ;)

 

ok bee

 

got your last pm to digest aswell, have'nt forgot. i am just thinking ahead.

 

i will do all i can to help you, what i have in mind should be able to get you some good advice. (THE BRAIN TICKS).

 

cab

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ok bee

 

got your last pm to digest aswell, have'nt forgot. i am just thinking ahead.

 

i will do all i can to help you, what i have in mind should be able to get you some good advice. (THE BRAIN TICKS).

 

cab

 

No worries hun was only really a short version of what I just sent along with an ideas please :lol: Ooo I can smell the smoke from here!! lol Im intrigued now!

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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No worries hun was only really a short version of what I just sent along with an ideas please :lol: Ooo I can smell the smoke from here!! lol Im intrigued now!

 

could you just give me a quick run down of your issues from the start. ie

1. dodgy dn

2. blah blah

 

cab

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could you just give me a quick run down of your issues from the start. ie

1. dodgy dn

2. blah blah

 

cab

 

All issues on the agreement (all of which gone to fos) or just the issues for court?

Edited by beyondhope

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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All issues on the agreement (some of which going to fos) or just the issues for court?

 

all of it upto repo, but very short versions. please (just need to build a picture) (THE BRAIN TICKS)

 

cab

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Ok taken from my lever arch bible:

 

Letter sent 13.11.09 requiring info on difference between total amount payable and total of payment - difference £3110.11

 

Response received 20.11.09 with semi completed reconstructed agreement figures changed to add up to total of payments

 

27.11.09 sent letter stating reconstructed agreement not a good enough explanation and quering difference in inception amount of modi and initial agreement

 

arrears letter received 26.11.09 stating arrears as less than 1 months payment

 

notice of default sums 30.11.09 default amount £10 for a letter

 

chasing letter 9.12.09 again less than one months arrears

 

SAR rec'd 1.12.09 - incomplete

 

sent reminder that account is in dispute 14.12.09

 

sod of letter from welcome 17.12.09

 

notice of arrears 20.12.09 gone from less than one month to more than 2 months

 

15.1.10 notice of arrears same figure as 20.12.09

 

15.1.10 without prejudice defective default

 

letter from me re difference in their workings out and apr calculator and again difference in amount payable to total payments 25.1.10

 

1.2.10 without prejudice termination ref to 15.1.10 default notice

 

2.2.10 without prejudice termination ref to a default sent 11.1.10

 

12.2.10 acceptance of unlawful repudiation by me

 

19.2.10 local office confused with acceptance as they have sent default heres another copy

 

23.2.10 letter from me with all issues to compliance and local office

 

24.3.10 sod off letter from local office inc mini sar

 

8.3.10 letter sent to ombudsmen containing all issues and copy of all documents

 

11.3.10 car repo'd

 

12.3.10 received sar with more docs than last one

 

13.3.10 received final response

 

today sent letter below

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Ok taken from my lever arch bible:

 

Letter sent 13.11.09 requiring info on difference between total amount payable and total of payment - difference £3110.11

 

Response received 20.11.09 with semi completed reconstructed agreement figures changed to add up to total of payments

 

27.11.09 sent letter stating reconstructed agreement not a good enough explanation and quering difference in inception amount of modi and initial agreement

 

arrears letter received 26.11.09 stating arrears as less than 1 months payment

 

notice of default sums 30.11.09 default amount £10 for a letter

 

chasing letter 9.12.09 again less than one months arrears

 

SAR rec'd 1.12.09 - incomplete

 

sent reminder that account is in dispute 14.12.09

 

sod of letter from welcome 17.12.09

 

notice of arrears 20.12.09 gone from less than one month to more than 2 months

 

15.1.10 notice of arrears same figure as 20.12.09

 

15.1.10 without prejudice defective default

 

letter from me re difference in their workings out and apr calculator and again difference in amount payable to total payments 25.1.10

 

1.2.10 without prejudice termination ref to 15.1.10 default notice

 

2.2.10 without prejudice termination ref to a default sent 11.1.10

 

12.2.10 acceptance of unlawful repudiation by me

 

19.2.10 local office confused with acceptance as they have sent default heres another copy

 

23.2.10 letter from me with all issues to compliance and local office

 

24.3.10 sod off letter from local office inc mini sar

 

8.3.10 letter sent to ombudsmen containing all issues and copy of all documents

 

11.3.10 car repo'd

 

12.3.10 received sar with more docs than last one

 

13.3.10 received final response

 

today sent letter below

 

absolutely thankyou.

 

i will have to PM you the answer to (THE BRAIN TICKS) 2moro:rolleyes:

 

cab

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absolutely thankyou.

 

i will have to PM you the answer to (THE BRAIN TICKS) 2moro:rolleyes:

 

cab

 

ooo curiosity killed the cat dont ya know :lol:

 

Thanks cab I await with interest :)

 

I now know that payments should still have been made whilst in despite but was lead to believe otherwise at the time so arrears are purely from when the account was in dispute there were none before hand as far as im aware and going on the amounts on the notices it would appear thats correct.

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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Hi there, just been reading with great intrest about Welcome ****, we have hit the lull that my husband has not worked since christmas properly and we have tried to ask welcome for some understanding and time to get back on track. The are not very forthcoming at all. We borrowed 14,000 altogether over 10years. we are paying £343 a month but their capitalisation charges are just as much so therefore will our loan ever come down??

What are these charges that are so much? Can they threaten repossession even if they have not asked for an income expenditure details how can I rid them of harrassing us conyinually and being charged for these calls. My husand has reached the end of his teather and I am so near with them too.

Please advise, will be ever so gratefull

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ooo curiosity killed the cat dont ya know :lol:

 

Thanks cab I await with interest :)

 

I now know that payments should still have been made whilst in despite but was lead to believe otherwise at the time so arrears are purely from when the account was in dispute there were none before hand as far as im aware and going on the amounts on the notices it would appear thats correct.

 

good job you accepted termination then, "phew"

 

cab

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Hi there, just been reading with great intrest about Welcome ****, we have hit the lull that my husband has not worked since christmas properly and we have tried to ask welcome for some understanding and time to get back on track. The are not very forthcoming at all. We borrowed 14,000 altogether over 10years. we are paying £343 a month but their capitalisation charges are just as much so therefore will our loan ever come down??

What are these charges that are so much? Can they threaten repossession even if they have not asked for an income expenditure details how can I rid them of harrassing us conyinually and being charged for these calls. My husand has reached the end of his teather and I am so near with them too.

Please advise, will be ever so gratefull

 

Hi Blue if you click here just under the notices is a start thread button post what you have said into the box to make your own thread so more people will have chance to see it and advise accordingly :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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good job you accepted termination then, "phew"

 

cab

 

I wasnt aware of the importance to the invalid default thread :lol: still not entirely sure now seens as they carried on regardless but hey ho all will become apparent im sure :)

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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