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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Urgent advice needed re hfc/tbi & rippon patel french llp


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Hi,

 

I have just been reading through previous threads regarding the above. My husband took out a credit card with HFC in Feb 96, I'm not sure (nor is he) when he fell into arrears with them (we have only been together 3 years), but I think he was paying it off with other creditors through an IVA.

He stopped paying this 3 years ago when he moved in with me.

 

Several creditors tried their luck and failed to produce original agreements when asked. However, TBI had got hold of 2 debts. 1 for around £2500 and the other £10,000.

The smaller debt they managed to quickly get a charging order against the property that he was selling and was therefore paid off.

Rippon Patel & French (a nasty piece of work!) now act on behalf of TBI in trying to reclaim the other debt . They sent a court order first, this was never received as it was sent to an old address. Then they issued a statutory demand which they managed to send to our new address. They were threatening bankruptcy preceedings. CAB advised, ignore it until they do.

Well, they have now.

What I need to know is:

The original application from that my husband completed was never signed at the bottom on behalf of Beneficial Bank. There are no terms and conditions, APR rates or anything else. This is actually just the application form and not the credit agreement, although it does state above his signature that 'this is a credit agreement etc etc'.

This is a very old debt so I asked RPF for copies of the transactions that created this debt. They stated that 'all transactions under the Agreement, you will have been furnished with such an account via a regular statement of account provided as a matter of course to all account customers. We suggest you check your records for the same'. I feel that this is unreasonable!

I intend to contest this bankruptcy petition (the hearing is on 14th December).

Any advice would be really appreciated! :|

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