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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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Help with Welcome Finance


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thanks for that beyond, looks like i go to cab. how come you're going to a sols?

 

 

Because in all honesty our CAB office are cr@p a few years ago now I had money problems and they were rubbish with advice I did better by sorting it out myself :roll: Plus im already at the court stage so wanted a proper legal perspective before jumping in the big pond :eek:

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:

 

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Sorry Beyond, if post worked the APR out for you then no need for me to recheck as he will be correct. I sure do wish he was back with us, as a team he was an invaluable member. COME BACK LOL.

 

No worries Ozzy :) Come Back indeed he was working on my POC :(

(sorry im still giggling over that :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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That isnt to say ALL CAB offices are rubbish but mine certainly was when I needed them. If it was me in your position of already been to court aand having to go again I would find a solicitor that offers a free initial session and see how you go from there, many of them do :) I searched for a solicitor that takes on legal aid cases and contacted from there as a local consumer solicitor wanted £100 for an initial chat!! :eek:

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 probs :) If I can help I will :)

 

Ozzy!!! Can you check if i paid interest on my fees please?? I can repost agreement if needed but its on first page (I think) of this thread. fankoo :)

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:

 

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Thanks Ozzy :)

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:

 

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in regards to the one for 2000 the correct monthly rate should be 109.71 without acceptance fee so add that to loan it would be 111.79. so they not far out on this one, but still incorrect. they say 109.74 right ?

 

the next one is for £7,133.00 over 48 months at 19.85 % apr

 

thats a monthly repayment of £210.44

interest £2,968.30

total payable £10,101.30

 

insurance is £970.00 over 48 months at 19.85 % apr

interest £403.65

monthly payment £28.61

total payable £1,373.65

add the loan interest and insurance interest to give £3371.95

 

now the mechanical insurance 550.00 over 48 months at 19.85 % apr

 

Monthly Payment £16.22

Interest £228.87

Total Payable £778.87

 

Shortfall Extra (gap) £420 over 48 months at 19.85 % apr

 

Monthly Repayment 12.39

Interest £174.77

Total Payable £594.77

 

so we add the mechanical interest to the gap interest to our total interest giving total of £3775.59 .

 

 

 

£3775.59 insurance interest.

7,133.00 loan

£1940.00 insurances

1 pound option fee

 

to give a total amount repayable 12,849.59

divide by 48 is monthly payment of 267.70.

welcomes payable is 239.04 so x by 48 is 11,473.92

 

so you are left to pay 1,75.67 at end of contract.

Edited by ozzywizard

 

 

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its neither of those agreements hehe thats my personal loan and original HP its this one :) Loan information very handy as with fos though ;) Thanks :)

 

img005.jpg

 

img006.jpg

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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my fault because I posted Loan, original HP and rewrite HP all together then took the loan to another thread as post was getting confused :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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as for the beers how very dare you have a beer and not share *strop*

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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OMG 5 girls you very well must be Im a girl but I couldnt live with 4 others :lol: Its ok I dont mind you not sharing just this once as my 'wonderful' husband has given me his man flu :rolleyes:

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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this one is for 8953.08 over 120 months at the APR of 23.4 .

monthly repayment £180.27

total payments £21,632.90

interest payments £12,679.82

add 195 acceptance fee. is total payable of 21,827.90 divide by 120 is 181.90 a month.

 

welcome say 129.60 x 120 15,552.00 . . . this is a differance of 6275.90 .

 

Ok I know Ive had a few beers and I did this by hand, no templates or excel calculators if im right and 6k out this is well wrong. dont know if its me or them but I feel I did it right.

  • Haha 1

 

 

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exactly what post got....agreement says total payable 12k payment add to 15k calculator says 21k good at maths arent they :rolleyes:

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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ill copy it from letter now two ticks.....

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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The agreement is for £8953 over 120 months at 23.4 % apr

That gives a monthly repayment of £180.27

Total interest of £12,679.82

Total repayable £21,632.90

 

Why on the agreement does it state a monthly repayment of £129.60?

Interest payment of £3293.81

£12441.89 Total amount repayable??

 

So now lets get the total amount of credit:

 

Interest £12,679.82 and add acceptance fee of £195 gives total charge for credit £12,874.82

 

Now add the amount of credit £8953.08 gives a total amount payable of £21,827.90

 

Now divide that by 120months gives a monthly figure of £181.89

Please explain the monthly repayment figure of £129.60

I have a shortfall on monthly repayments of £52.29 over 120months this gives a shortfall of £6274.80

 

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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Sorry to post on here Beyond, but did you get my agreements back in Dec? Have just sent a PM with the details, sorry but I am in desperation fighting for my life now - roof about to go 10 days to cardboard city:(

 

 

Hi officejet got your PM and have replied :)

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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Come on as if you just asked that :lol: that was on my letter before action 14days from date of posting is tomorrow....give them extra 2 days for post coz im kind makes weds and nothing yet :rolleyes:

 

still received a termination letter AFTER they received it though :rolleyes: sorry 2 termination notices!

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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