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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
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    • 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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Loan Insurance...


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Can someone confirm that when you take out loan protection insurance that it covers you for the entire period of the loan. When i say this i don't mean that you can claim on the insurance and they have to pay it for the whole of the loan, but you can put in a claim on any day right upto the last day of the loan..?

 

I'll explain a bit more.

 

About 3 years ago now i took out a 36 month loan with Alliance Leicester paying £540 a month including insurance. Now the maximum period i could claim on the insurance within the term of the loan was upto 18 months. After two years of paying the loan i was made redundant with 12 months left to pay and put in a claim on the insurance. The claim was accepted and payments have been made. Last month was my last month of the loan. I sent the form off like i had been doing expecting the payment to be made and i'd soon receive a letter saying the loan had now been paid in full and has finished.

 

Instead of this i get a letter from the insurance saying that the payment for that month is only £480. Hmm i thought that can't be right as it should be the usual amount of £540. So i phone them up and ask why there is a shortfall in the payment. They search their systems and say that they have it on their system that my loan ends on the 22nd of the month and not the 28th, hence the shortfall in the payment. I ask how they have that on their system and they say it's from the bank and to call them. Sooo i call the bank whom say that my loan insurance ends on the 22nd and my loan ends on the 28th. Hang on i said to the guy, when i took the insurance i took it out for the entire period of the loan not 35 months + 3 weeks, it was to cover every payment etc. This is when he starts to get a bit argumentive and says i have to call the insurance company and get them to sort it. Hang on i said no i am not going to do this as it's your system that has told them the insurance ends before the loan so it's a !!!! up your end. Anyway the argument get a bit heated and he insists i owe the shortfall and have to pay it. I flatly refuse and say no way the insurance covers it. Anyway after a stalemate he says he is going to escalate it and someone will call me back.

 

Can you guys confirm that the insurance should pay in full as it can be claimed on at any time within the entire period of the loan.

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Welcome to the site aj.

Will move this thread for a better response.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The normal agreement for PPI covers the entire length of the loan.I would assume that you do not have a copy of the original agreement and the PPI terms and conditions,you could obtain all these details by asking for SAR,cost £10 and send recorded and ask for specific items,(1) copy of the agreement,(2) Copy of PPI agreement along with terms and conditions,and copies of all statements and all data held concerning the loan.As I read it the amount in dispute is £60,I would like to think that the bank and or the insurance company (is the insurance A&L or an outside company) would agree to write this of as there is an error on both their parts..................Perhaps before you SAR a letter to both parties suggesting the amount is written of due to an administration error.....see what happens/////FS

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