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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
      • 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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personal loan with FLM and boyfriend is guarantor


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Hi,

 

My sister in law has a personal loan with FLM and her boyfriend is guarantor for this. She's just recently become unemployed and is claiming JSA. Her boyfriend has also just entered into a DMP with CCCS.

At the moment she is paying all of her creditors £1 per month except for this one.

What happens if she starts paying them one pound a month? Will they be able to go to her boyfriend even though he is in a DMP and also cannot afford the payment?

Please help!

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Hi,

 

My sister in law has a personal loan with FLM and her boyfriend is guarantor for this. She's just recently become unemployed and is claiming JSA. Her boyfriend has also just entered into a dmp with CCCS.

At the moment she is paying all of her creditors £1 per month except for this one.

What happens if she starts paying them one pound a month? Will they be able to go to her boyfriend even though he is in a dmp and also cannot afford the payment?

Please help!

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Its not something that I know too much about, but, at the end of the day, if they can only pay that amount then thats an end to it.

 

The OC and any debt chasers will threaten all kinds of terrible things might/could/ happen but it is their income and priority debts must come first.

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I've managed to search this out for you if it helps?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?250972-being-a-guarantor

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Unless he wants a nasty suprise if they proceed to taking payment from his account by direct debit without notice, her boyfriend needs to specifically cancel the direct debit now. Then at least he can take charge of negotiations.

When was the debt taken out?

We could help more if a copy of the agreement could be scanned and posted up, minus identifying details.

kind regards,

Elsa x

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Hi and thanks for all of the replies. I think they take it off his debit card if she doesn't pay, rather than by DD.

He has recently changed his bank account anyway as his overdraft on the bank he was using is included in his DMP with CCCS. And the card they have for him is for that particular account.

Does this help. I can probably get the agreement scanned in if you need me to.

 

Kind Regards

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Hi again :-)

It's good that he's got a new main account with a different card. Not sure how it would affect his old account. To be on safe side so he doesn't incur charges, it might be best for him to write to his former bank and state that he rescinds any prior instructions for debit payments to be made to a/c no xxxx and company name.

It may help for us to see the agreement, to check whether its enforceable. Much depends on year it was taken out..

 

Elsa x

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As I understand it, and having been a guarantor previously (Never again!) They will go to the guarantor for payments, however, as he is on a DMP anyway, it will be pretty fruitless IMO, either he adds them to his DMP and pays them the token amount, or she pays them the token payment, either way their not going to get their money any quicker.

 

I am quite astonished that he was ever allowed to be guarantor in the first place, as having a look on their website it states, that guarantors must be UK home owners, earn a minimum of £800 a month, and have a good credit history.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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