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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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Starting Repayment - Will I Have To Backpay?


Jam Banjo
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I've just been reading the advice on Martin's Money Tips about Tax rebates and realised I should be repaying my Student Loan, I am paid more than £15,000. I assumed that the student loans company took it directly once you passed a certain threshold. I have paid in the past but took a new job at a much lower rate for a few years and have now built up past £15,000 again.

 

My question is, when I get in touch with the SLC will they expect me to back pay for every month since I have been paid over £15,000? As I definately cannot afford that. I am currently on a Payplan scheme paying back creditors and am trying to get to a point where I have enough surplus earnings to apply for an IVA. I can afford the amount worked out on the tax calculator I guess, but worried they will suddenly take a few hundred quid out?

 

Thanks for any advice you can give me.

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Why would the limits be different? Oh, silly me, it's so the government can get more money out of us of course.

 

Assuming the loans are the new type, I'm afraid I can't help. I only know about the old ones.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Hi thanks for the replies so far.

 

I started Uni in 1998, I always thought it was £24,000 threshold which I am below. Glad to know that figure came from somewhere and I didn't make it up!

 

But it seems I'd be on the new £15,000 threshold loan? Any help would be massively appreciated.

 

Thanks!

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Check on the student loans website to find out exactly what type of loan you are on - I have a feeling the change was in 1998, but I'm not certain.

How did you pay student loans in the past? If the money was taken direct from your salary then you're on the new type but if you had to pay by DD then it's the old.

Incidentally, even if you are below the threshold for payment you do have to apply to have the old type of loan deferred, and if you don't (or they don't get the form) you will have arrears showing.

Again if it's the old type, exactly how many years is it since you last paid? If it's more than 6 (or 5 if you're in Scotland) it may be statute barred anyway.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Thanks for your reply

 

I definitely used to just have deductions from my salary. But when I moved jobs to the much lower salary (round £10,000) the deductions simply stopped and I assumed the whole system was automatic.

 

So if I contact them now saying I have been earning over £15,000 for a couple of years I will have arrears for then and also since I moved jobs? That doesn't seem fair if I was earning less than the threshold?! I still have payslips and stuff to confirm my previous salary.

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It seems that your loans are the new style ones, and I have no idea how these work if your income drops etc. Is there any information on the SLC website, or any threads in this forum about new style loans?

 

Alternatively maybe someone who knows what they're talking about could post some advice, please?

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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Yep you're on the new style loans.

 

It should happen automatically, but occasionally it doesn't. Speak to your payroll dept about it or the HMRC as they collect the money and send it to SLC each financial year.

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