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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


Craigc2115
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you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.:eek:

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yep that has happened several times here

 

look for posts by

 

postggj

using our advanced search

 

yours do look as though this is the case.

 

you are in for a windfall

 

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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you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.:eek:

 

I cant read them the text is too small, try uploading the images to photobucket and paste the (without thumbnails) code into a message here.

 

Ooo sounds promising!

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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it took me all day to get them on to pdf's as im useless with computers :oops: so i will try and put them in a better case so they are better to view when i get home from work 2moz.thank you all for ur advise so far,i really wish i had come to you guys sooner.very gratefull..:D

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you mite even be able to confirm what i have suprisingly been told.after visiting the branch manager of welcome finance, with the intentions of upping my payments to get rid of this agreement sooner...he kindly advised that the figures on the present agreement are wrong, and the agreement is void.he has told me to pursue this to the highest levels, and insists there is a very good chance the agreement could be written off.and the car would be mine, along with all payments made within this agreement.if someone would kindly look at the pdf's above and confirm this is true, i would be very gratefull.office of fair trading are on with this case without seeing the documents.so it must be a good case.i dont ever get luck like this.so iant counting my chickens.:eek:

I honestly never thought I'd hear myself say this but I actually agree with welcome!! :lol:

hahahahahahahahahahahahahaha :lol: that agreement is the biggest pile of crap I've ever seen!!!

Total cash price for goods - £0

Total amount of credit - £0

Finance charge for goods - £6413.69

Acceptance fee - £195

Total amount payable - £6608.69

 

Now I've got quite a few decent qualifications in maths and accountancy but I can honestly tell you that I didn't need to call upon any of those to work out that 12.93% APR of £0 does NOT equal £6413.69!!!

 

I know it's hard to believe but it actually gets WORSE on page 2!

After you have paid more than a third of the total amount payable they need a court order to repossess. Apparently a third of £6608.69 equates to £5192.04!

 

If you had continued to pay £129 for 10 years you would've paid £15,576 on an agreement that says the total amount payable is £6608.69.

 

PLEASE GOD DO NOT SIGN ANYTHING ELSE!!!!

Edited by wannabedebtfreesoon
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If I were in your situation I would immediately be writing a letter before action requesting release from all further liability, return of all your payments plus interest and title of the car transferred to you or you will be suing them for Unfair Relationship.

 

Just my opinion.... :p

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I honestly never thought I'd hear myself say this but I actually agree with welcome!! :lol:

hahahahahahahahahahahahahaha :lol: that agreement is the biggest pile of crap I've ever seen!!!

Total cash price for goods - £0

Total amount of credit - £0

Finance charge for goods - £6413.69

Acceptance fee - £195

Total amount payable - £6608.69

 

Now I've got quite a few decent qualifications in maths and accountancy but I can honestly tell you that I didn't need to call upon any of those to work out that 12.93% APR of £0 does NOT equal £6413.69!!!

 

I know it's hard to believe but it actually gets WORSE on page 2!

After you have paid more than a third of the total amount payable they need a court order to repossess. Apparently a third of £6608.69 equates to £5192.04!

 

If you had continued to pay £129 for 10 years you would've paid £15,576 on an agreement that says the total amount payable is £6608.69.

 

PLEASE GOD DO NOT SIGN ANYTHING ELSE!!!!

 

I still cant view the documents properly but I agree with this information given the figures used by wannabe!! :x

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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I still cant view the documents properly but I agree with this information given the figures used by wannabe!! :x

 

It's comical really! lol-045.gif

Try clicking on the PDFs below then you can zoom in on them and rotate with Acrobat ;-)

 

Post #24

Edited by wannabedebtfreesoon
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  • 10 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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