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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 
      • 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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need advice on payday loans **


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Looks like am in a similiar position to alot of people on here & got myself into a real mess with 3 payday loan companies:

 

Quick Quid: £760 including interest

Payday UK: £250 including interest

Payday Express: £500 including interest

 

I cannot afford to roll them over again & i have done a draft email requesting repayment plans as follows:

 

Quick Quid: 4 monthly payments of £75 then 1 final payment of £460

Payday UK: 2 monthly payments of £25 then 1 final payment of £200

Payday Express: 3 monthly payments of £50 then 1 final payment of £350

 

The reason I am offering a larger final payment is cos i am due back at work after being on maternity leave & i will be in a better situation to afford it.

 

Has anyone had any dealings with these companies & how likely is it that they will accept my offers & stop interest & charges?

 

The loans will default at the end of the month. I need to tackle the problem cos i carnt afford to roll them over.

Should I email the requested repayments a week be4 the the due date or on the date they default?

 

Any advise would be great :) x

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Most creditors seem to be quite forthcoming when it comes to these arrangements. It shows your commitment to pay and at the end of the day, they want your money. I'm not sure what payday companies in particular usually do but I have seen a few threads on here where people have had no problems.

I would not wait until they default, hit it on the head now. Especially if you are asking to freeze interest and charges. Why wait until defaulting - you'd just be paying more charges!

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A read a post on here & they said that when they contacted the companies they got told they couldnt do a repayment plan until the account had defaulted. I will send the emails a week before the loans are due & if i have no joy i will just send them again when they default.

 

Thanks for the advise :)

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