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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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Advice needed regarding PPI and LloydsTSB


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Hi all

 

Seeking advice as per and not sure what to do. I had a loan with Lloyds TSB and disputed the loan due to a misold PPI and they failed to send me a properly executed CCA. Anyway, I tried to reclaim the PPI but Lloyds were awkward etc and I have letters to prove this. They said they PPI was NOT misold and that my complaint was not vaild etc.

 

Yesterday I received a rather lengthy letter from Lloyds stating that they had reconsidered my complaint and would "reimburse" me but seeing that I had received a "rebate" in Sept last year this would be taken into consideration....

 

I think I need to scan this letter and post on here. Its is a few pages long and I will do this later on.

 

Apologies for this but I have warning signals left right and center about this. You comments will be appreciated when I scan the letter and post on here.

 

Ta for reading.

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Hi all

 

I have now scanned the letter and here it is -

http://s1017.photobucket.com/albums/af296/teed_off/?action=view&current=offer1.jpg

 

 

http://s1017.photobucket.com/albums/af296/teed_off/?action=view&current=offer2.jpg

 

http://s1017.photobucket.com/albums/af296/teed_off/?action=view&current=offer3.jpg

 

http://s1017.photobucket.com/albums/af296/teed_off/?action=view&current=offer4.jpg

 

in regards to the rebate, I can honestly say that was news to me. As just prior to this date I have a letter stating the opposite that they were not taking my complaint any further.

 

I got a bad feeling about this "offer" because the debt is now in dispute as the CCA is not on one page it is over several and my signature is on a blank page so it could be for anything.It was after putting the account in dispute I tried to for the PPI. If I agree to their terms would that be an acknowlegdement of the debt?

 

What do ya reckon?

 

Ta in advance.

Edited by teed_off
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Hi

 

I would suggest asking one of the mods to move this thread to the PPI section where alot of CAGGERS - myself included have gone up against Lloyds and won on PPI issues

 

Lloyds try to wear you down with bull**** but a few have found that once it gets to teh FOS they roll over - others have taken the court route but you will find alot more information in that section

If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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  • 1 year later...

how did this go?

 

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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