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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
      • 162 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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Has Vanquis ever taken court action to recover cc debt


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Asking this for a guy on my street, he is a pensioner and stupidly applied for a vanquis card with an extortionate interest rate.

 

Initially they gave he £250 limit but within 6 months this had gone up to £2250 without him asking, as he has never had nothing for years, he has been buying things with it, like new tv, bed, cooker and a few otherr bit and bobs.

 

But has got his self in a pickle now as the min payment per month is now £75 and he just doesn't have it. I wrote to vanquis on his behalf to see if they would stop the interest (nearly £60 a month) and let him pay it of at £20 a month. There reply was they would accept £20 a month for 6 months, but would not stop the interest.

 

So there is no point payment if the are going to increase the debt by £40 every month. I asked him was he bothered about a crap credit rating and he said it was rubbish anyway that why he used vanquis.

 

So was wondering if anyone has ever been taking to court over a vanquis cc debt. As he said doesn't fancy a day in court to be ridiculed over his stupidity.

 

I think it would be enforceable has was only taken out about 8 months ago. But as they are part of Provident so I've been told, wondered if they use to courts to enforce as I know Provident don't

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I dont know but if I was him i'd just keep paying an amount he can afford say £10 a month, eventually they will probably terminate and if they dont like it they can take it to court but if hes paying anyway its surely pointless. Reclaim all the charges and check he didnt unknowingly take out ppi(which I imagine was unsuitable) and dont forget to add the contractual interest(it soon adds up).

 

Thats just my view btw, I dont have much knowledge on the subject but that seems reasonable to me.

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I send a SAR and came to the conclusion they keep ONLY computer records, no paper filing system!! Send a CCA request for both my wife and me ans the SAR for mine, no Credit Agreement! I wrote to them requesting the "missing" documents or a statement that they do not have it but no reply yet. Also awaiting the SAR docs for my wive.

 

Could be that they failed to supply it but a SAR will clear it up for your friend. I can also post again when I get more confirmation that there are no paper files at Vanquis or scanned agreements!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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There is no ppi on it I have checked and there are no charges as yet as he paid last month after they badgered him on the phone and left himself with no money for the week.

 

There is nothing to claim back it is their riddicular interest of 41.9% that is making the balance near imposible to reduce he paid £70 last month all that came off the balance was £15

 

There is no point him paying any reduced payment if they are going to add £60 a month.

 

But I have told him if they ring again not to speak to them and don't pay them any more. Stupid man is leaving him self with no money for food or his utility bills

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Their in-house collectors IMPACT are fanatical with their phone calls! The worst I ever experienced!

“We believe Capital One Law takes privilege over UK Law” – Sven Lagerberg – Capital One.

-----------------

By supplying ALL the documents WILL NOT answer your questions but by supplying a SELECTIVE few will. – Jayne Sheenan – HSBC

------------------

Separate requests with a fee should be made to ALL relevant Data Controllers in an organisation. - Jayne Sheenan – HSBC

------------------

Our t&c's overrides ICO guidelines when reporting to CRA's - Karon A Bullock - Capital One

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