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    • Hi all, We bought a part to fix our washing machine approx 13 months ago direct from the manufacturer of the washing machine via phone. This part then failed 13 months later, as confirmed by their own engineer, who was sent by the manufacturer (who is also the retailer for the part) FoC. The engineer actually installed a replacement part, the machine came back to life, but they then removed the part used for testing (and ours reinstalled) as "we would be charged for it". The retailer are refusing to replace the part, stating that they only warranty parts for 90 days. When I stated that I believed the Consumer Rights Act gives me longer than that, they insinuated that it did not, and this was repeated by many representatives. AIUI for goods bought more than 6 months ago, I need to get an engineers report to confirm the part has failed? Or that it has failed due to manufacturing issues? Or would the companies own engineers report suffice? Also, does anyone have any other decent contact details for Hotpoint (or the Whirlpool group)? Thanks, GH
    • Thank you for that "read me", It's a lot to digest, lots of legal procedure. There was one thing that I was going to mention to you,  but in one of the conversations in that thread it was mentioned that there may be spies on the Forum,  this is something that I've read quite some time ago in a previous thread. What I had in mind was to wait for the thirty days after their reply to my CCA request and then send the unenforceable letter. I was hoping that an absence of signature could be the Silver Bullet but it seems that there are lot of layers to peel on this Onion.  
    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
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      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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.
      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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Help with early settlement please


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Please help me!!!!!!

 

I have a current car loan with welcome, no PPI. However I want to settle my agreement with them. They say that my outstanding balance is £4242. I am currently 38 monthly payments into a 60 month payment plan. They offered me a settlement of £4027. Is this a joke?????? I am paying 21 months in advance and all they want to give me is this measly amount off.

 

Anyway I have spoken to local branch, complaints dept an they are all saying no chance of reducing this figure any further.

 

What else can I do????

 

Thanks

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I have moved your post to its own thread as you have posted on quite an old thread.

 

Can you tell me what your monthly payment is, please, so that I can check the statutory rebate.

 

 

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Hi

 

The details are as follows

Total loan - £12,120.00

Total repayments made to date. 39 payments of £202.00 = £7878

 

Total they say outstanding £4242.00.

 

Total they are willing to settle on is £4026.22

 

Apr charged at 7.6%

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I asked for a sttlement figure on my car loan , i owe £5046 and they offered me.......£5046

 

will not take a penny less as have had a directive from up high to get the maximum

 

bloody cheek when questioned further as to why other creditors have taken offers he just replied that they were unsecured loans not car loans??????? Does that make any sense to anyone else?

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If you are effectively paying off the loan early then there is a statutory rebate they have to apply. I can work out what it is if you give me the original loan amount, the monthly repayments, how many there were and how many you have made

 

 

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Those figures don't stack up - 60*202 = 12120 - there is no interest, ie the APR is 0% (the same applies to numbers sickofwelcome gave me)

 

 

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That was the total loan amount including any charges, interest, insurances and anything else they scammed

Me out of.

 

My agreement says the following -

Total amount of credit for the goods £8250

Amount of credit for the insurances £850

Amount of credit for goods and insurances £9100

Amount for re financing £1000

 

Total £10100

 

Duration of agreement 60 months

 

Total amount payable for goods £9900 (this is apparently the cost of £8250 from above and another £1650 which states charge for credit or goods)

 

Total amount payable for the insurances £1020 ( this is the £850 figure from above and a further £170 which states charge for credit for insurances)

 

Total amount payable for re financing £1200 ( this is the £1000 charge from above with an additional £200 for charge for credit for re financing)

 

There is a 7.6% APR on this

 

There is also a statement below that states the following -

Interest, calculated on the amount if credit and acceptance fee outstanding from time to time throughout the duration of the agreement, taking into account the payments above, makes up the finance charges for goods and the charges for credit for the insurance and re financing, which will be paid by you for part of each payment.

 

If it's easier I can email you a copy of this and you can see for yourself as it's a bit complicated and what I have realised a complete [problem] and rip off. Basically I feel barging me for things and adding on costs left right and centre.

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yes it was a rewrite of a car loan and was put on 0%, does that matter?
It deosn't matter but it means you are not entited to any rebate (of ineterest - for obvious reasons)

 

 

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Steven - does this include me too?

 

Surly there is interest, they are not going to just give you it for nothing. They have hidden it by the seems of things. What about the paragraph at te bottom of the agreement saying about the interest. The one I added above.

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