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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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PPI Question


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Hi

 

I currently have:-

 

1 Personal Loan (pre April 2007 (now passed to Triton)

1 Business Credit Card (RBS) pre April 2007

1 Business Overdraft (RBS) pre April 2007 (now passed to Moorcroft)

1 Store Card (Argos) pre April 2007

1 Credit Card (Monument) pre April 2007

 

I currently have a fixed payment arrangement with them all.

 

I have send off SARs today, could they possibly be unenforceable credit agreements

 

PS I have managed to claim back PPI successfully from RBS on 2 loans 1 for £3450 and 1 for £1500. RBS have closed all my bank accounts and at present I have a bank account which is £2500 in credit, but they are using this to deduct from monies owed to them.

 

Can I claim back the money in my account, which was infact my PPI insurance claim.

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Hi Sparticus

 

The only way you will find out is to send them a CCA Request, the Unforceibility route has become bit of a lottery, but it won't do any harm to send a CCA Request for

each account with a postal order for £1. They have 12 + 2 days to respond. Scan, post removing all personal details. You need to start a new thread for each account in the correct forum.

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Hi Sparticus

 

The only way you will find out is to send them a CCA Request, the Unforceibility route has become bit of a lottery, but it won't do any harm to send a CCA Request for

each account with a postal order for £1. They have 12 + 2 days to respond. Scan, post removing all personal details. You need to start a new thread for each account in the correct forum.

 

Any thoughts on:

 

I have managed to claim back PPI successfully from RBS on 2 loans 1 for £3450 and 1 for £1500. RBS have closed all my bank accounts and at present I have a bank account which is £2500 in credit, but they are using this to deduct from monies owed to them.

 

Can I claim back the money in my account, which was infact my PPI insurance claim. Which has nothing to do with the current money I owe them, it was for an old loan that was repaid.

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Thanks for the response.

 

No, basically my debt situation is:

 

1 Personal Loan (pre April 2007 (now passed to Triton of which I have a payment arrangement))

 

1 Business Credit Card (RBS) pre April 2007 (of which I have a payment arrangement)

 

1 Business Overdraft (RBS) pre April 2007 (now passed to Moorcroft of which I have a payment arrangement)

 

1 Store Card (Argos) pre April 2007 (of which I have a payment arrangement)

 

1 Credit Card (Monument) pre April 2007 (of which I have a payment arrangement)

 

1 Royalties account, which the overdraft was in arrears, but since ppi payment is now in credit.

 

I dont have any cards for these accounts either.

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Thanks fro your advice.

 

Ignoring the debt that I have (and not sending a sar or cca), can I not request the money thats sitting in my closed account, it has nothing to do with the other debts that I owe, or will the bank see it differently.

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They havent taken any money out of this account, it is sitting in credit - any advice on the best way to write to the bank, I know there is a lot of template letters for other things on this site, I have also tried to find other threads with similar problem, but havent found any as yet.

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Hi S

 

There aren't any template letters, it only needs to be a couple of lines, they haven't said 'no' or objected to anything so far.

You need to mention the account number, the amount, how you want the money. You don't even have to give a reason why.

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