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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
      • 160 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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Was in discussion with Black Horse over a change in the amount I am repaying them and thought we were doing business - only to get about 4 calls and a couple of tasty letters the next day from Close Assistance wanting to meet with me to discuss my situation. Anyone have any dealings with them?

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Not heard of anyone dealing with them and cant see any threads on them.

 

Have you got an arrangement with BH?

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  • 2 weeks later...
Not heard of anyone dealing with them and cant see any threads on them.

 

Have you got an arrangement with BH?

 

I had an agreement with Black Horse to reduce and review my payments - missed last month and I contacted then to see if they could temporarily take less from me.

I got an income and expenditure form from BH then the next day a raft of calls from Close Assistance ( main clients are Black Horse and Santander I think).

I met with a rep from Close Assistance this evening whose sole intention was to see what value was in my car and start a process to get my vehicle if I was unable to pay the arrears on the loan.

The loan is a personal loan which was used to buy the car but I have paid over 3/4 of the loan leaving about £3500 outstanding.

I have until the 7th August to pay the arrears or the car is up from collection?

Any advice would be greatly appreciated.

FM

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is it possible to scan it and take a pic and post up here - deleting any personal info?

 

you say a persoanl loan but they think thay can take the car so need to check the loan

 

but at thsi stage in the life of the loan/hp they need a court order in scotland to take it anyway

Please contact a member of the site team if you are offered help off the forum for a a paid or no win no fee service.

 

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is it possible to scan it and take a pic and post up here - deleting any personal info?

 

you say a persoanl loan but they think thay can take the car so need to check the loan

 

but at thsi stage in the life of the loan/hp they need a court order in scotland to take it anyway

 

Before I get document scanned................

Is it worthwhile me contacting BH again to see if they will negotiate a rearranged loan term and monthly amount?

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Thats is something only you can answer,

 

It could always be worth a try but do it in writing,

 

this is helpful as well

 

National Debtline Scotland | Debt Advice | Factsheet 08 Hire Purchase Debt

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