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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 - what can i reclaim/dispute


Sand-Dancer0191
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Thanks

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First a big HI :D to everyone.

 

Now this is my first post so please bear with me as I am still reading all this imformation (what a goldmine).

 

NOW just to get started I would like some advise on the following:

- I have 2 outstanding debts,

one is a loan

the other is a credit card.

 

Both debts have been paid at a nominal rate (loan 9yrs & card 7yrs)With interest frozen.

 

I have been told that I could have these debts cancelled...

 

.Is this true..If so how and on what grounds???

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Hi sand-dancer0191 and welcome to cag:)

 

Please read and feast on the treasure trove of information cag has.

 

The debts will not be cancelled but you can check to see whether they are enforcable or not by sending a CCA request. All the template letters are here and if you have any questions just ask away:)

 

Who are the debts with?

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The debts would only be 'cancelled' if statute barred which i understand to be no contact (i.e payment) for 6 years? I may be wrong in this but im sure someone will be along to help - Welcome to CAG

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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The debts would only be 'cancelled' if statute barred which i understand to be no contact (i.e payment) for 6 years? I may be wrong in this but im sure someone will be along to help - Welcome to CAG

 

 

Yes if you have not acknowleged the debt for 6 years it becomes statute barred. This does not count for CCJs.

 

If I read your first post right you have been paying these debts for a long time so statute barred will not used in this case.

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  • 3 weeks later...
  • 4 weeks later...

Hi,

I can't locate the judgement but here is the news story behind it. I'll keep looking though.

 

BBC NEWS | Business | Court lets woman off £8,000 loan

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 2 months later...

Your browser does not support javascript. The page you are viewing uses javascript for the following functionality:

To use the quicklinks navigation, and to use the back page function.

Please refer to the text only version of our website for alternative use.

 

main_logo.gifH

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Company Details

 

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Name & Registered Office:

DIRECT GROUP LIMITED

DIRECT HOUSE 4 SIDINGS COURT

DONCASTER

SOUTH YORKSHIRE

DN4 5NU

Company No. 02461657

 

 

spacer.gifspacer.gifspacer.gifspacer.gif Status: Active

Date of Incorporation: 22/01/1990

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

6711 - Administration of financial markets

Accounting Reference Date: 31/01

Last Accounts Made Up To: 31/01/2009 (FULL)

Next Accounts Due: 31/10/2010

Last Return Made Up To: 31/01/2010

Next Return Due: 28/02/2011

Last Members List: 31/01/2010

Previous Names: Date of change Previous Name 03/05/1994 DIRECT FINANCE AND INSURANCE SERVICES LIMITED 20/11/1995 THE DIRECT GROUP OF COMPANIES LIMITED 24/10/2002 DIRECT GROUP PLC UK Establishment Details There are no UK Establishments associated with this company. Oversea Company Info There are no Oversea Details associated with this company.

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If a loan was taken out on the CCA 1974 and the declaration was signed to be bound by that act.

 

Should newer loans not state "as amended 2006" or whatever to let consumers know what consumer agreement they are bound to!!!!!!

 

Any thoughts please

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unsure on this as they are still 'based' on cca1974 even if the amendments do govern that agreement....hmm

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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hmm honestly have no idea that would be something for the legal bods i would think maybe try posting on legalities forum?

I am a consumer just like you, please get a second opinion or investigate yourself on anything I advise as I am in no way legally trained. Everything I know has come from the Mighty CAG and fellow CAGGERS. :cool:

 

If I have helped in any way please click my reputation star and make a donation to CAG to enable us all to continue to help each other :cool:

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