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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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Egg loan - CCA - Help!


Jsgirl
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I've got a problem with Egg dating back to 2005/6 which has just reared its ugly head again and I'm looking for some help.

 

Loan dates back to 2004. Borrowed for myself and ex. Got into financial trouble around fairly cataclysmic separation from ex and closure of business in 2005. Tried to settle this back when house sold and they refused £16k on £20k o/s. Been paying £1 a month since then.

 

About a year or so ago they threatened to 'review' the payments and I updated them on the fact that I've been ill and not working so no income. They sent me an agreement to the £1 payments again BUT with a review in just a few months. I sent a CCA request and they returned it. No review happened, suprise surprise. They wanted all sorts of information and history which I was told I was not obliged to provide so I ignored it. All went very very quiet. I took advice and was advised (perhaps wrongly I suspect now) to continue paying the £1 and let sleeping dogs lie.

 

Then out of the blue a month ago I get a letter from a DCA (Moorcroft) acting on behalf of Egg, containing the usual threats and demanding immediate settlement of the full amount.

 

Took some advice and sent them a CCA. Copied this to Egg expressing suprise as the agreed payments continue to be made; demanding compliance with their duty to provide the CA and full statement which I will need for my upcoming divorce settlement/negotiations. (The only thing I've had from them in between was a nonsensical statement with an opening balance of zero and my £1 payments.) And telling them that I was not obliged to provide them with anything further.

 

They've now sent me a CA which looks okay EXCEPT that it's two separate pages - ie the signature is on second page and all the necessary stuff - amount of loan, interest rate, apr and payment details - are on the first.

 

I will find out how and try to upload said CA. The letter is just 3 lines... further to your recent request, pleasure in enclosing a copy of your signed CA in accordance with your rights under the CCA and a copy of your t&Cs (which constitute another 3 pages - with interestingly something redacted/blacked out in the opening para - so I shall try to upload that too.)

 

Hoping to find some advice on what on earth I do now.

 

thanks everyone.

 

Js

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A big please added to the above request for help!

 

Any thoughts or opinions would be really appreciated and I am hoping to work out how to upload this darned 2 page CA tomorrow, I promise.

 

Thanks again

 

Js

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