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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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Secured Loans


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I am now desperate for advice please, and after reading through the threads in this forum am hopeful of urgent help. I have a repossession hearing on 12 May and admit I have been the 'ostrich' and too embarassed to post my dilemma, just read and re-read the existing posts hoping to find a solution.

My situation is, it's a joint claim for my husband and self, but due to his health problem, am dealing solely with it, he is in no condition to have this burden on his shoulders, so is blissfully unaware of it.

We took out a secured loan in 2005 for £5,000, and due to living on a tight budget, have missed about 5-6 months payments, amounting to approx £1,500. Just today I have written to the creditor offering £500 towards the arrears, with an additional £100 monthly off the remaining arrears but unfortunately will not be in a position to start this addition until September 2008, when a bank loan will be paid off and thus release more funds to us.

I am not hopeful of a favourable response to this offer though in view of what I have read, and am wondering if any of you helpful people can suggest anything else I can do.

I would also add when the loan was taken out the repayments were about £120 monthly, but now have escalated to almost an additional £100, which of course has caused further strain on finances.

Any advice would be greatfully received.

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Hi there, sorry to hear you have found yourself in this situation. We will try and help you as much as we can.

 

Have you sent back the defence forms to the court?

 

Kind Regards

 

Ell-enn

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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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Hi Ell-enn. thank you for your quick response, no, I have not sent anything to the Court yet, have some personal questions would seek advice on before I do so, would you mind if I sent you a PM, for your guidance ?

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That's fine, ask away - if I know the answer I'll help:)

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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With a view to completing the defence to this possession summons, could anyone advise on what I should do with regards to the copy sent for my husband to complete (which he is unable to do). Not sure if I should detail the expenditure on his or mine (or both), or perhaps just return mine with his income and mine plus expenditure.

Would be very grateful for advice, these forms really must be submitted asap.

Many thanks.

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You can submit one form and add his name alongside yours in the box, then put both incomes and expenditure on that set. In Part 27 we can detail the circumstances and your offer of payment etc. I can help you write that part.

 

When you wrote to the lender did you send by recorded delivery? and did you keep a copy of the letter for yourself?

 

Kind Regards

 

Ell-enn

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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Hi Ell-enn, yes I did send the creditor letter by Recorded delivery today, and kept a copy.

If you need any further information regarding question 27, pleas let me know.

Once again, thank you very much for your help.

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I must admit I feel a little better at the moment, have completed the return forms for the Court with the very able assistance of Ell-enn, and will get them delivered tomorrow, at least one hurdle down.

Will up-date this post on or after 12 May (the dreaded date), hopeful of good news.

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Hi all, received reply from GE and their solicitors this morning in response to my letters to them with I&E, and letter from GP regarding my husband's health.

To say I am amazed at their response is an understatement. They tell us they have requested the Court for an adjournment, and trust the monthly payment will be maintained, otherwise there will be no alternative but to apply for the Possession Proceedings to be relisted.

I was absolutely dreading 12 May to come around, cos I really didn't expect to receive a good response from GE in view of reading other's battles with them.

Perhaps they have learned the error of their ways, and will treat all the other CAG members on here in a much more tolerant way, I truly hope so.

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That's great news. Hope you can relax a bit now:)

 

Ell-enn

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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