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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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They won't take the money back!!


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Hi everyone,

 

I took a payday loan out wih Speedycash on 20/07 for £305 in a moment of desperation.

 

I had still not received the money into my account the next day even though they said it would be funded in an hour. I sent them an email sayin that I had not received the funds and nor did I any longer wish to receive them. I asked them NOT to fund my bank account and to remove my details from their system.

 

When I checked online banking on the Monday 25/07 they had transferred the funds to my accounbt on Friday afternoon. I checked their website where they had this information

 

'Q. Do I Have the Right to Withdraw From My Loan?

 

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A. You have the right to withdraw from your loan agreement within 14 days without having to give any reason. The period of withdrawal begins from the latest of the day on which the agreement is made and the day on which you receive a copy of the loan agreement, or you are notified of its execution where you have an identical unexecuted copy in accordance with section 61A (2) and (3) of the Consumer Credit Act 1974 and ends 14 days after that date. If you choose to exercise your right of withdrawal you must notify Speedy Cash of your intention to do so, either in writing or orally. If you do withdraw you must repay to Speedy Cash, no later than 30 calendar days after giving notice of your withdrawal, any monies paid to you under the loan agreement and any interest accrued, from the date the credit was provided until the date you repay.'

I then called Speedy Cash and reiterated that as per my email I did not want this loan and to please take it back as per the terms on their website. I was told my details would be passed o the correct department but to send another email to back this up - which I did. The funds had still not been taken on Weds 27/07.

 

I called them again and was advised that it was being dealt with and would be taken on Friday 29/07 at the latest. Friday came and the money is still there. I st ANOTHER email tating that they had 2 working days to remove the funds or IU would take the money as a gesture of goodwill from them to me for the poor customer service I have received. This time I got a reply. 'I apologise. We are still working on it. Sorry'.

 

Can anybody advise me where I stand?? I'm really worried they are going to take all the money plus interest when I get paid on 20/08. Also my partner will go mad if h finds out I attempted to gt a payday loan as he is so against them.

 

Any advise please?

 

Thanks

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There is no doubt in my mind that they will take the full payment on your payday. I would cancel your card quick sharp, as it will be a whole lot easier to give them the money back than it will be to try and claim their charges back when they charge you the full whack!!!!!

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