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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
      • 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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Default Then Termination Billing Car Finance - Still Taking Payments


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as you have had this agreement for such a little time they will UNDOUBTEDLY snatch the car in the middle of the night (they have spare keys) and argue about the legalities of it later

 

did you keep the envelope the DN came in?

 

technically (and your best hope) is that one day short(first class) is sufficient to accept UR however- i SUSPECT that in court- a judge would be none too impressed with the fact that you have defaulted so soon on the agreement and might be "minded" to regard the day short as not having had any detrimental effect

 

if you have not accepted UR then you should

 

£30 wrong in the figures on the DN - i suspect will not be sufficient to defeat it

 

.......and you might have to lock the car away for a while!!

 

if they seize and sell it- your bill will rocket

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yes the default notice is invalid if it is one day short

 

you need to put the argument together properly

 

making payments since then however will (IMO) make it difficult for you to claim that you accepted UR so i would stop paying and accept the UR and see if you can run the argument

 

on the other hand you might like to try to negotiate reduced payments or a payment holiday with them

 

alternatively- as you have paid so little- and if you cannot afford the payments-perhaps letting them snatch the car might not be a bad idea-

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Just had a look at the payments since the default and the total payed of the car upto now is just over 1600.00, Im guessing that would be dificult to claim accepting UR, if I was to stop paying would they be able to issue another Default?

 

Hadituptohere

 

if you have paid £1000 since the DN then you have clearly elected to hold them to the agreement (IMO) and you will not be able to claim acceptance of a UR

 

i would think that they will HAVE to issue a further DN if they wish to terminate if the arrears that you owe are higher than the original £600

since clearly if you have now paid £1000 since the DN you have paid more than what was claimed in the DN - so you appear to have remedied it!

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as buzby has said i think you are clutching at straws with regard to payments having been made after the DN/Termination

 

notwithstanding what he has told you, in general terms a creditor owed a debt is entitled to seize any assets belonging to the debtor including any cash or cheques sent to him in error - to set off against the debt owed

 

 

don't let "barrack room lawyers" get you into even more sh*t than you are already in

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