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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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      • 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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Hi everyone


I’m sorry if these questions have been answered within your forums but I’m so confused by everything that is going round I thought it best to email you.


I have on my credit filelink3.gif 2 default notices 1 from Mint and the other from NatWest, both of which in my opinion should be arrangement to pays.


The default registered by Mint was for a credit card, I had lost my job and my father had passed away so I was due some inheritancelink3.gif money. I rang mint and advised of this and said up until I get the money I will continue to pay £30 towards my statement. They accepted the payments and I then proceeded to pay the full balance to them. No mention of defaults and no notice received. The default was registered in June 2007 and I only know about this now as I have tried to apply for a mortgage and was declined.


The same situation applies to NatWest however the money owing to them was for an overdraft I also paid them £1800 of the £2100 as there were alot of charges included. They accepted and advised payment was in full and final settlement.


I have sent both companies letters in line with http://www.learnmoney.co.uk/credit-file/remove_default_notice.htm l.


The responses from both companies that were default notices are system generated documents and they are unable to provide true signed copies and that as the debts were paid they have no obligation under the CCA to supply me with a copy of the original credit agreement.


I then referred the complaint to the foslink3.gif, they have advised as I am challenging the defaults on a legal basis they are unable to provide any help.


I now feel I am left with no choice but to take the matter to court. However I find this a daunting and scary process.


I came across this forum and you all seem very knowledgeable in relation to taking financial institutes to court.


What I was wondering was do you think I have a case to take to court and is there any help you could give on taking this to court.


Obviously any time spent helping me would be greatfully appreciated


Looking forward to your reply.



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Mint have stated that they do not have to comply with the consumer credit act and supply a credit agreement or default notice as the account is now settled in full.


I have had enough of them and have sent them a letter before action today. Only problem is I have no idea on how to proceed and take this matter to court, what information I could take as a case reference and what my evidence should be.


I sound hopeless dont I lol.


Please could somebody help me with urgently as I only have 14 days to prepare a case.


Thanks in advance

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