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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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help me please with my journey to the straight and narrow


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hello to all, I have been reading this forum on and off for some months now and it has inspired me to sort out my financial affairs.

 

I currently am in the situation where I have the following debts:

 

Northern Rock mortgage of £150,000, 218 interest only payments remaining.

Northern Rock loan (tied in with mortgage) of £30,000.

Both the above started June 2007, however the paperwork was completed March 2007 and I have copies of the online agreement.

 

Egg loan, started November 2005. 19 payments of £200 remaining against a balance of circa £3700. (currently in dispute under cca)

 

HSBC gold credit card, opened sometime in 2004 with balance of £5000.

(currently in dispute under cca)

 

capital one credit card opened in january 2008, balance of £4500

 

amex credit card, opened in march 2008, balance £400

 

a&l unsecured loan started n june 2008, balance of almost £6000

 

I have enought salary to cover the payments but due to sme bad personal circumstances and a rising mortgage - some months i have a double figure sum to eat and travel and live on.

 

when i moved house in 2007 i was confident and moving up in the world with a nice house but several events have broken that dream.

 

I am not someone trying to walk away from my debts - after my problems in 2008 I took on extra finance in order to try to sort things out and this in hindsight has made thing much much worse with the debts even more above my income.

 

my question is what can i do?

 

the site is full of tales of woe and this makes me very worried. i think that as long as i dont shy away from the problems and try to deal with them properly i wont have a problem.

 

i dont know how i can manage the debt and still keep a roof over my head.

 

i also hear that it is possible to go down routes and agree legally to reduced payments. how do i go about this and where can i read more about this?

 

all help very much appreciated.

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