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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
        • Like

Repossession Hearing received today- Help please.


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Hi Faded-Rose, just popped in to give you some support.

Ell-enn is the best! (you too Jansus)

I can't give the sort of advise that they do, but if you want any moral support let me know. I've BTDT and it's a very difficult time leading up to the hearing, even knowing that the outcome should be favourable- it's hard to deal with.

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Hi Nunnyrose

 

Thank you so much for this. Ell-enn and Jansus have been superb. Really feel supported. Posted everything off now so out of our hands until next week. It feels that everything in between now and then will be affected but trying to stay positive. Will be pleased when the day comes and we have a decision.

 

How lovely of you to post this. A superb site and so lucky to find it.

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Hi Ell-enn, Jansus and Nunnyrose

 

The Form N11M plus enc was delivered to the Court on the 2nd Dec and I have a printed off 'receipt'.

 

I have typed a brief note based upon corrections to the Witness Statement they have sent a copy of - hoping I can just give the Judge and them a copy to read rather than read it myself!

 

This time tomorrow it'll all be over.

 

A big thank you again for the assistance, advice and support shown. Really grateful.

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Hi Faded Rose, stay positive - you will be OK.

 

If you haven't been to a court hearing before, here a few tips to help you:

 

You should arrive at the court in plenty of time (allow for finding parking etc). When you get there, ask the court usher if there are any free legal reps there (a lot of courts have them) - if so, approach them and ask for their advice, they can accompany you into the hearing and speak for you.

 

Sometimes the lender's legal rep will ask to speak to you, if at any time you feel intimidated or uneasy, just tell them that you would rather wait for the judge to decide.

 

The hearing will be held in a private room with just the judge, the lender's rep and yourself. It will be conducted around a table, like a meeting and the public are not allowed in. It is much more informal than you'd imagine.

 

As this is the lender's application, the judge will speak to them first and then you. Judges are usually very good at recognising when you are nervous and will guide you. When you speak to the judge you should address as Sir or Madam, explain that you are very nervous and ask if you may hand over your notes. If you have the benefit of the free legal rep then they will speak for you.

 

The whole process should take no more than 10 minutes and I'm sure you will feel very relieved when you leave the court knowing your home is safe.

 

Good luck, I will be thinking of you :)

 

Ellx

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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Thank you Ell-enn that is so helpful - I know I can do it, have to. Hubby more nervous than I but he will be there. It will help to know that we have the thoughts of others.

 

It's tomorrow afternoon so will log on here as soon as possible after.

 

Again, really really grateful to you.

 

Faded-rose

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Best wishes for tomorrow, Faded Rose. :)

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3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

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1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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With you all the way Faded Rose, not an easy day tomorrow but as Ell-enn says, stay calm and positive - I was so nervous I could hardly speak, but the judge did recognise this and did all he could to help us.

This time tomorrow you'll be sitting back with a big glass of wine,- I'll probably join you :)

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Thank you Citizen B and Nunnyrose.

 

Ell-enn's guidance tonight has helped me so much and your support has just added to that. Thank you.

 

Soon be over and yes, hopefully, I'll have had a big glass of wine by this time tomorrow.

 

Words aren't enough........

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Hi Ell-enn, Jansus, Nunnyrose and CitizenB

 

Wasn't able to log on yesterday due to broadband probs (again!). The outcome of the Hearing was a suspended repo (as requested by the lender). So very happy with that. It was a strange experience - 2 mins and we were out. Judge wouldn't let us speak, nor give typed notes and the 'locallish' person representing the legal firm was quite unpleasant but over now.......

 

A really BIG thank you for everything. We will donate and I will keep being a cagger-not because I can offer any advice but hopefully I can give others the support I have had the benefit of.

 

Faded-rose :) :)

 

PS Did manage a rather large glass of wine last night!

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Hi Ell-enn, Jansus, Nunnyrose and CitizenB

 

Wasn't able to log on yesterday due to broadband probs (again!). The outcome of the Hearing was a suspended repo (as requested by the lender). So very happy with that. It was a strange experience - 2 mins and we were out. Judge wouldn't let us speak, nor give typed notes and the 'locallish' person representing the legal firm was quite unpleasant but over now.......

 

A really BIG thank you for everything. We will donate and I will keep being a cagger-not because I can offer any advice but hopefully I can give others the support I have had the benefit of.

 

Faded-rose :) :)

 

PS Did manage a rather large glass of wine last night!

 

This is good news FR. :D

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Great news :)

It's not a nice experience, but as you say, it's over now.

I found the day after our hearing, not only were we more relaxed, but the whole house seemed to have relaxed if that makes sense. It was a very strange, but calming feeling. It took me a few days to shake off a fuzzy sort of feeling. I suppose it's a bit like the build up to christmas in reverse - you don't look forward to the big day, but the after effects are fantastic!

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That's fantastic Faded Rose - well done for being so brave :)

Help us to keep on helping

Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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