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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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New to posting in the forum, hope i can get a little advice!

 

Took out a loan with Payday UK 18/03 for £540 and have been rolling it over just paying the interest of £140 for the 3 months since. However it has become too much and I am not making any progress in paying the original sum. On the 18/07 I have defaulted and the balance has not come out of my account (as i dont have £700 to pay them!)

 

Obviously i will very soon be offering a payment plan, on the premise that they freeze interest and this way i can erode my debt with them.

 

However my reading on the forum has led me accross the fact that their terms would probably be viewed as extortionate (with APR 1286%)

 

As I have already paid £420 in respect of the original sum of £540, is it worth my offering a reduced settlement and does anyone have any advice around this?

 

Thanks in advance

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All you can do is offer them money and see what they say , Payday uk were fine with me to be honest, I offered £35 a month with a review after 3 months, they took it on straight away, didnt add much to it either. best thing is be straight with them, tell them your circumstancs have changed and offer what you can .

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The thing is they have had not far off the original sum back now, all that is left is £140, the remainder of the £700 is made up of the interest charged.

 

Anyone got any advice on whether there is any milage in offerring what is left of the original sum plus one months interest? i.e £280

 

Or do i need to offer a plan on the full £700 they are asking for?

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If that £700 is charges then stop paying when you have done the original loan and one month, they are unlikely to go to court for charges alone and you have absolute defence that the original loan sum and one months interest will have been paid long before then.

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Hi Sillygirl1, thanks for your help!

 

For clarity then, i originally borrowed £540, have been paying £140 per month (made 3 payments so far), which has all gone as interest. They call this "rolling over" apparently.

 

in total i have paid back £420 so far, therefore leaving £120 from the original sum?

 

one months interest would have been £140, so does this mean i should pay back £260 and then nothing more?

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The debt was at £700 at the time i had defaulted due to the huge interest being applied i.e £140 per month on £540 borrowed. So whilst i have paid £420, the original sum has not decreased at all!

 

So I am right in thinking i should be paying £280 back (280 + 420 = £700 ie original sum and one months interest)? Does this stand even though the sum has been "rolled over"?

 

If this is the case, any tips on how to make this offer?

 

Many thanks for the continued assistance guys!

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