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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 
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    • 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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Mortgage express: A tougher line


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I have seven buy-to-let mortgages with Mortgage Express (ME) and reached a temporary agreement with them to deal with arrears. After a successful 12 months, they suggested capitalising the arrears. They then allocated a 'relationship manager' to visit me. I thought that, as with other other lenders who have sent counsellors in the past, this would prove positive for both sides. In the event, they said they have realised that I haven't been paying service charge on the flats and that they have had to meet this obligation, which is true. Instead of paying service charge, we have been refurbishing the flats. They have now written with certain demands, including that all the rental income be spent on the mortgages and the arrears so that the arrears are settled within 12 months.

 

I am proposing to agree, provided that we first deduct from the income an amount to cover the service charge and that I pay this as I should to the management company. Hopefully, ME will agree. But what I would welcome advice on is their threat to repossess the properties unless I also agree to new terms. Needless to say, those terms would grant them extensive new freedoms to repossess in the future.

 

ME are correct to say they are now merely enforcing their existing rights, because they need to reduce their loan book by selling off 'good' mortgages. This includes getting my own into good order ready for sale to another lender. But it sounds like duress to insist on new terms as part of a deal on current arrears that have been handled differently, and successfully, to date. One of the properties is subject to a suspended repossession order at a low repayment amount suggesting that, if this went to court, I may be able to maintain current rates of repayment on the others. After all, I've stuck to the 12 month agreement for the 12 months. Any thoughts would be welcome on whether I should contest the new terms even if I make the payments that they want. I do accept that these funds are owed to them.

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  • 2 months later...

Pertronas Walker, how has it gone with MX, did you sign up, if you did please do let me hear from you. it is not too late to do something about it. you can send me a PM if you wish. Good Luck

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Be very careful - I know from first hand experience that they are desparatelky trying to wind up the 'business' inside the initial 10 years - 2020.

 

They will insist on new T&Cs which will limit your mortgage term to 8 years - I am guessing yyour credit will be shot by now so no chance of remortgaging even in 8 years time.

 

Makes you smile that the state saved their sorry asses when they over extended themselves and now kicking people like you who have worked with them for months to get things straight.

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