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    • Good evening, My husband and I are looking for some help regarding a faulty car which we have recently purchased from Big Motoring World Enfield. The details are as follows: - Make - Nissan Qashqai 2017 1.2L milage 55,349 miles.  Date purchased -   01/06/2024 Price paid - Deposit £9000, finance £4794 (this includes the 3yr Nissan extended warranty), buyers fee £249.      Total including all fees etc = £ 13794.        Initially, during the test drive, there was no problem with the car at all and this is why my husband bought the car on the day. No problems on the way home from the dealership and up to three days after purchase, the car drove smoothly. However, after day 4, occasionally we would feel a slight shudder during some gear changes (automatic car). Over the next few days these shudders worsened and then on day 5 the car would make very a very loud shudder with every single gear change. It was at this point we contacted Big Motoring World for advice as we are still under the 14 days no questions asked return.  My husband contacted BMW for advice on 06/06/2024 and stated the problems as above. He spoke to a sales person who informed him that he should only take the car to a Nissan dealership (we have now been told that this is false information). We were also promised that a courtesy car would be provided for us after the fault on the car had been identified and confirmed by their mechanic fixing the car. We took the car to the garage that Big Motoring World had told us to go. Upon arrival there we discovered it was a third-party garage, not Nissan. We took the car to the garage on day 9. The mechanic ran a diagnostic test which found no faults, but after the test drove the car and below are his findings...   we scan the car but no faults with the gearbox showing but when I test drove the car it was really juddering and jumping.I spoke to my auto transmission specialist and he said they are very common on these as the CVT belt starts jumping within the box due to pressure loss.  We had this vehicle in for diagnostics for gearbox mate but both the gearbox and battery are faulty.Gearbox supplied and fitted comes to £3500 plus vat   Where we are at now…. My husband spent all of day 10 (11/06/2024) making phone calls between the garage, Warranties2000 and Big Motoring World. He tried, unsuccessfully to find out if the diagnostic reports had been shared between all three. Everyone kept saying the report hadn’t been received and yet the garage assured us it had been sent. Eventually we were told that the courtesy car would be given to us if it was deemed the works to fix the car would take longer than 8 working hours, and that decision would be made after 48hours of receiving the report. Today is day 11 and no decision has been made as nobody is telling us any decisions as people are off sick or on holiday! Today we called the garage and told the mechanic NOT to start any work as we will be returning the car. He said none have been started and we have left the car in his storage as he has deemed the car undrivable. I have sent an email to BMW now formally stating that we want to return the car and I have used the terminology that was suggested.   What can we do next?   Thank you everyone. .  
    • Yes will do thanks Dave, I wonder what will happen at the preliminary hearing no idea what they will ask I assumed once I sent the proof they asked for about my sons condition that I would have just  been given the go ahead to be Litigation friend
    • First the judge will rule on you representing your son, which will be a doddle. After that the full hearing date will be fixed, with WSs exchanged 14 days before. So for the moment just concentrate on getting the right to represent your son.  
    • Thank you, the mediations in a couple of days so hopefully they show up this time. I'll update this thread after how it goes
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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. 
       

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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.
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Default amount including charges & Interest


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Hi,

 

I'm in the process of dealing with various Payday loan companies. I've come to arrangements with some, others are being a difficult.

 

Two of the companies are refusing to agree the amount owed. They insist on adding further charges and interest. I've said I won't pay them as they are "unfair". Some of these lenders are now marking credit files, I can deal with a late payment marker, but wish to avoid a default.

 

What happens if they issue a default for an amount including charges and interest which I am disputing? Would it be possible to get this removed?

 

Also. If they won't accept my offer. And I pay whats owed minus any added charges & interest. And then tell them they can whistle for the rest... Are they still able to issue a default.

 

Any help you can offer would be appreciated.

 

thanks

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Stop right there with all repayments to all the payday loan companies that are being unfair to you. Send them each a CCA request. because i can gaurantee that if you took the loan out of the internet the amount on the CCA will be what you applied for and not what you were actually loaned, therefore making the debt unenforceable. They are also know for manaully modifying the agreement after the date of the agreement to, which is fraudulent and as such they'll have to write off the debt or you can take them to court for it. I have successes on those grounds with payday loan muppets when acting on behalf of my friend that had issues with them.

 

As with marks and default on your credit file, yes if they have agreement is uneforceable and have been modified (note the Computer File Directory and last modified date will appear on the bottom of the pages of the agreement and look like this C:\Users\UserName\Documents 12/02/2011 for example). Then yes they will have to remove the notes and defaults, after all they can not mark your credit file for fraudluent agreements thay have created can they!

 

You can find the CCA request letter here, just copy and pasted it and edit it to suite - http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter.

 

P.s once you have the Credit agreements from them, post them on here so we can disect them bit by bit for you. :-)

Edited by teaboy2
added link to cca request letter

Please note that this advice is given informally, without liability and without prejudice. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here (CAG),my own personal research and experience and/or as the result of necessity as an Employer and Businessman.

 

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Hi,

 

Thanks for advice. I think I have the agreements as most were emailed to me when the loans were taken out, so ill get them posted up here. Although I'm happy to pay the original amount borrowed and one months interest, after all I did agree to borrow on those terms. I'm just not prepared to pay there crazy fees. It's not just the fees tho, I contacted all the lenders before the loans were due for repayment (circumstances changed, and they all have proof of this) One company ignored/refused my offer of payment, then after about 2 weeks decided to accept it, only after adding extra charges and interest etc..

 

My main concern is the possibility of a default being placed with CRA's.

 

If the original amount owed was £150, they are demanding £400 with extra fees and charges. I pay them £150 and say they are not getting any more...Can/will they default me for the interest & charges they have added. If they do, what are my chances of getting the default removed?

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Two of the companies are refusing to agree the amount owed. They insist on adding further charges and interest. I've said I won't pay them as they are "unfair". Get their refusal to accept your offer of payments in writing.

 

 

What happens if they issue a default for an amount including charges and interest which I am disputing? Would it be possible to get this removed?

No, you can however add a notice of correction on your CRF to the effect that you dispute their interpretation as the amount includes unfair charges.

 

Also. If they won't accept my offer. And I pay what's owed minus any added charges & interest. And then tell them they can whistle for the rest... Are they still able to issue a default.

Yes, if the charges and fees are written in the T&C's of the agreement you signed they will add a default. However if you dispute the charges then it is highly unlikely for them to take any legal action against you just for these charges alone.

 

The interest they are charging on your account, is it for the total amount you borrowed OR is it also for the charges they have placed on your account also?

 

If you can work out what you borrowed and the amount you would have originally needed to pay back including the interest on what you borrowed, and you pay this off, then I seriously doubt they would pursue you for the charges alone.

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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If the original amount owed was £150, they are demanding £400 with extra fees and charges. I pay them £150 and say they are not getting any more...Can/will they default me for the interest & charges they have added. If they do, what are my chances of getting the default removed?

 

Pay what you genuinely owe, the £150, plus any interest they applied at the time, it is quite likely they will default you for the rest if their charges, however as this is how they manage to earn their money, it is highly likely that these charges and fees will be unfair and can be questioned.

 

The default as I previously said can be attacked as and when, or even if they decide to pursue this avenue of debt collection.

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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