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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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My little sister is panicing


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Sorry, I have only just seen this.

 

They can offset but only AFTER essential and priority bills have been paid. They can offset against disposable income. Your sister is allowed to pay her rent, council tax, tv licence, utility bills, and of course she must be allowed to eat, get to work or college, and so on.

 

Get her to call the Financial Ombudsman Service first thing in the morning and explain it all to them, and they will confirm the above. They will give her a reference number, and a direct line for the Customer Service (Complaints) line. They did this three times to me last year and every time I called FOS and as soon as they knew that they gave me my money back the same day - every penny. If they try and say it'll take a couple of days she must say she cannot survive over the weekend and she'll have to go back to FOS.

 

Good luck to your sister.

 

DD

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PPI is Payment Protection Insurance which they all try and flog every time they issue a credit card.

 

I didn't take it out so don't know about the re-claiming for mis-selling and so on but I know that people have been very successful in getting this and there are loads of threads about it.

 

A CCA request doesn't give you a right to stop payments. If they fail to comply with that request you can stop, but I wouldn't recommend it if you want to continue using the card, and don't fancy an ongoing battle. If it's a recent card it may well be an enforceable agreement anyway, and by not paying it only makes the situation worse.

 

DD

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She can go into any branch of Barclays and get them to do the fax of the tenancy agreement if she gets the fax number from Barclays. I did that the first time to prove my mortgage payments. They said fax it and I said why should I pay £2 to do that as I hadn't got a fax, and they actually told me to go into a Barclays branch.

 

They will usually shift if you quote the FOS reference number. She really has to be strong with them though. She must tell them she is well aware of her rights about her priority bills.

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