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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 
      • 81 replies
    • 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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Welcome Finance Secured Loan Nightmare


BEBOBEBO
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Thanks

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Have sent you a pm ref: multiple agreements - cannot post in the open forum just yet - case still going on.

 

Could you send me the PM again ?, dont seem to have it :)

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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Could you send me the PM again ?, dont seem to have it :)

 

Will do.

 

Also, looking at some of your posts, you say you have requested a copy of the agreement, and 3 times they have only sent you one page, is this still the case? And if so did you make a formal CCA request?

 

What year was the agreement made?

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Will do.

 

Also, looking at some of your posts, you say you have requested a copy of the agreement, and 3 times they have only sent you one page, is this still the case? And if so did you make a formal CCA request?

 

What year was the agreement made?

 

The agreement was setup in 2005 and yes they have only ever sent us a one page photocopied agreement.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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Did you make a formal CCA request?

 

Yes using a template letter.

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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worth looking into this more, this makes good reading http://www.oft.gov.uk/shared_oft/con...OFT1175con.pdf

 

 

Bebo

Edited by BEBOBEBO

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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Thanks - i have a copy of that.

 

Dont forget to send the account in dispute letter will you :-)

 

And dont let Welcome feed you any BS - such as you can't put your account in dispute as they are not members of the banking code - or any other such nonsense - and if they do - report them to the OFT straight away - as that would be a clear breach of not only OFT guidlines - but also CPUTR 2008.

 

If they contact you again - after you have sent the account in dispute letter - and still attempt collection action - note very carefully the wordig they use in that action - as it could also be a breach of guidlines and an offence under CPUTR 2008 - depending on what they say to you.

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  • 2 months later...

BEBOBEBO, I read through your thread (yes, all 21 pages)! You have my heartfelt sympathy for all that has happened. It's been a while since you updated and I was wondering where you are with this.

 

I have a secured loan with Welscum (completely illegible agreement, figures don't match, PPI etc) and I have paid more than half of it back. I put the account in dispute but they continued to add interest on and now I owe £7k more than the original amount loaned. I want to re-mortgage my house and I'm damned it I owe them this much and I certainly don't want them to get £32k out of my hard earned house money!

 

I hope you get something out of this and I wish someone had the cojonos to take on this **** bag company and help all of us out!

 

:mad2: MadKit

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  • 8 months later...
  • 2 weeks later...

Well after several years of fighting I have finally had some success. In 2010 I won my PPI claim but they would never pay up as there was a discrepancy as to how much should be repaid. I had letters going back and forth for 3 years. In the meantime I had done a sar and I raised a separate PPI claim with WF not through fos for my old agreements. I Dec I got offered 2.5k to resolve all my accounts current and old. Well in there calculation I found it was wrong so I wrote back.

Well 3 days ago I got a letter which was an offer for 12k and a cheque for £100 for compensation in the delay. It seems this should have been given to me in 2011 but for some reason it never happened.

 

So don't stop fighting I didn't and I finally got a result. I still have other issues being raised with them but on the PPi side I have won.

 

Bebo

As always please check and double check what myself and other Caggers inform.

 

If you like my Post please dont be shy give my Scales a little tickle :-)

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  • 3 weeks later...

Well done!

 

My fight with them is still ongoing in the court. I feel a victory at hand so perhaps I will be able to update my thread soon with similar news.

 

Fantastic result!

Please overlook my typos and spelling mistakes, sometimes my fingers arent in sync with my brain :)

I am just a consumer and have no legal training. My posts are opinion only, based on my own limited experience. If in doubt you should seek legal advice from a qualified practitioner.

 

Activ Kapital - Disputed £4,000.00 - 04/04/2011 Settled! WON!

HSBC Current Account - Defaulted for £200.00 Charges. - 19/05/2011 Charges Refunded Default Removed! WON!

HSBC Loan Account - £16,000.00 Unsecured Loan - 05/07/2011 Disputed No Further Contact WON! (for Now)

Barclaycard Account - Disputed account and £1500.00 Charges. - 18/07/2011 Charges Refunded! WON!

London Scottisht - Disputed account and Charges. £25,000.00 - 06/2011 Balance reduced by 95% WON!

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