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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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No Longer Director


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Hi,

 

After a year of trading as a convenience store with my then business partner, I gave up my 50% share to my business partner in August 09 and terminated my appointment as joint Director of the Limited Company which was recorded with Companies House and documented via a 288b form. I had no longer involvement with the company nor running of the business. However, as of October this year the business came into financial difficulties and my ex partner put the company into liquidation.

 

I know have three issues which I hope I can obtain some advice on which I have listed below:

 

1. Upon taking out the loan, my parents offered up their house as a guarantee against the loan. Myself and my ex business partner always knew that in the event of the business failing we would have to continue with this loan until it was cleared and have been prepared to do so. The loan was 30k and security was provided for that amount. The loan now stands at around £28,500. Upon the company going into liquidation, the bank manager phoned me and informed that the loan will now have to be paid in full in one off payment......! I found this a complete shock and stated that we are willing to continue with the loan as per the original agreement. The bank manager is refusing this proposal and is stating that due to teh company going into liquidation they cannot accept payment from Directors as they will be seen as preferred creditors. I responded by saying that my mom and dad would continue with the loan by setting up a direct debit (with us both paying into their bank) but he also refused this and advised that they either re-mortgaged or got a loan to clear the debt or he would put it in the hands of recoveries who could possibly take my parents house....

 

Is the above right and can they do this if we are willing to pay off the debt? I have even wrote the bank confirming that we wont to clear the debt and continue with the monthly payments but they are still refusing this offer....

 

2. Secondly, there was an overdraft facility taken out with the bank by the company which had no security (unsecured) and was under a separate account number to the secure loan. As they lent to a Limited Company which has now been liquidated then I believe that they can not get this from any individuals or directors... However, they did ask me to raise £32,500 to clear the debt in full which I also believe is incorrect as £28,500 is what is remaining to be paid for the secured loan.

 

3. When registering with Cash and Carrys etc, I signed personal guarantees along with my then business partner... Am I still responsible as I have had no dealings with the company for over a year and have documentation to prove so..?

 

Anybodys help on the above would be very much appreciated as I feel the Bank (Lloyds) is being extremely unfair and have caused immense stress to my parents as I have had to inform them of what the bank is threatening if the loan is not cleared in full immediately.

 

Thanks.

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  • 1 month later...

When you left the company it was your duty to inform everyone incl suppliers that you want to withdraw your original agreement and if there was anythin outstanding arrange to pay your part. This is normal practice and I have personal experiance as I was a guarantor for a loan which had a small amount remaining to pay and I withdrew my guarantee for the banks.

If the Overdraft didnt have a guarantee then you dont have to pay and the bank would be a creditor. Unfortunatley banks do have the right to demand money anytime and you will have to pay if you provide a guarantee. I think the best option is to re finance with another bank and pay the old bank in one go but make sure you do before the banks ruin your credit rating!

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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  • 4 weeks later...

Hi all,

 

Just to let you know, I requested my loan agreement from Lloyds TSB but tehy were not forth coming in providing so I smelt a rat and continued to request it stating that I would not pay anything until it was provided.

 

It has since turned out that they have neither the loan agreement nor the correct guarantor paperwork. As a result my parents deeds have been returned and Lloyds TSB have confirmed that legally I nor my parents are obliged to pay anything. :whoo:

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Congratulations! Sleep easy

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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  • 4 months later...

Hi

Welcome to The Consumer Action Group.

 

 

I am just letting you know that as you haven't had any replies to your post yet, it might be better if you post your message again in an appropriate sub-forum. You will get lots of help there.

 

Also take some time to read around the forum and get used to the layout. It is a big forum and takes a lot of getting used to.

 

 

Once you start to find your way, you will soon realise that it is fairly easy to get round and to get the help you need.

 

It can be bit confusing at first.

Please be advised that my time will be limited for the next few weeks.Thanks for your understanding.

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