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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
        • Like

Help with Welcome PPI.


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Hi, hope you wont mind me dropping in but im at same stage as Don. Have had my Subject Access back too mind boggles at Welcome!

On my one it says Disbersal- broker adding on £2,065.00 now am i right in thinking this is commission paid to car dealer?Everything was on Welcome forms when i signed for the loan. Im abit annoyed because they havent sent original forms so im not sure of interest rate it was at. Do i send letter to them or just try and work out from figures i ve got now.Would be gratefull for any help. I dont owe them anything, these are old accounts which i had with them.

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Hi, hope you wont mind me dropping in but im at same stage as Don. Have had my Subject Access back too mind boggles at Welcome!

On my one it says Disbersal- broker adding on £2,065.00 now am i right in thinking this is commission paid to car dealer?Everything was on Welcome forms when i signed for the loan. Im abit annoyed because they havent sent original forms so im not sure of interest rate it was at. Do i send letter to them or just try and work out from figures i ve got now.Would be gratefull for any help. I dont owe them anything, these are old accounts which i had with them.

 

you need to start your own thread

i dont see one for you yet.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, loopylil.

 

I've started a new thread for you.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Hi Thanks for moving me!

Ive sat going through the paperwork again, do i claim extra interest they put on monthy too as i thought that was paid up front at start?Well it does show that.

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Hi Postggj, What a game trying to get Direct to send details.Rang at 9am went through details of what i wanted. Cant do cos of security, i was missing post code.( Moved since i took loan out.)

Then because i wasnt sure of policey number had to check with Welcome, rang back girl had gone to lunch. Now im waiting for phone call from direct again. And i got funny feeling Welcome not given me right number now. We shall see.

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Hi Again, up date: Direct what a game, are sending me details through of what they have but the figures dont tally up with what i have on paperwork from Welcome. Direct say its for mecanical breakdown £350.00 but the figures on my subject access are totally different.

And the policy number Welcome gave me was not the right one either as i thought. Got to wait now for info to come through from both.

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Hi , further to my last letter on here i have only had 1 copy of insurence from Direct.They say they have nothing else on record.Welcome sent my SAR back but no copies of aggrements.I sent a further letter to them recorded but no response from them at all.

What i want to know is it possible to work out what i can claim from paper work of payments made and extras-insurence, interest etc cos i just dont know what to do. Took me ages to sort that out cos it wasnt in order.

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i think ...am not sure at all like.... but from what i have gleamed from other threads if you know how much you have paid and have proof you paid it you should be ok to put a claim in ?

 

i got back from welcome two agreements with interest rates etc on but have had about five loans with them !

the other three are like a bank statement ?

it shows how much they lent me for insurance on it bit no interest amount shoewing.

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Hi , further to my last letter on here i have only had 1 copy of insurence from Direct.They say they have nothing else on record.Welcome sent my SAR back but no copies of aggrements.I sent a further letter to them recorded but no response from them at all.

What i want to know is it possible to work out what i can claim from paper work of payments made and extras-insurence, interest etc cos i just dont know what to do. Took me ages to sort that out cos it wasnt in order.

 

thats the idea

make you give up

ppi rolled into ppi and int rolled into interest

utter fleecers!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi Don, DX,All the paperwork sent by Welcome as everything on other than interest rates at time of hp, loan.Even down to what looks like commission to car dealer?Its just i have moved several times over the yrs and my copies have gone missing.

Direct just sent the copy for mecanical break down but theres at least two/three lots of insurence added by the copies i have.

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click on one of your thimbnails?

can you read it?

 

i cant.

 

try:

scan your agreement

remove all pers info inc barcodes etc but leave all figures and dates.

goto one one of the many free online pdf converter websites

convert the image to pdf format.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

browse to your pdf file and upload it

hit close this windows at the bottom below upload it box

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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hey up there just on the not getting all information front there is a good thread here that went thr similiar stuff ...http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/111159-rbs-ppi-claim-long.html

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