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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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Santander and Wescott


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Hi

Can anyone give me some advice please on the following:

 

Last month Santander sent me a letter telling me my balance on my loan was £0 and number of payments remaining 0, i knew my 5 years was up so thought ok loan finished and cancelled the direct debit.

 

About 10 days ago i get a phone call from Santander telling me i have missed a payment and still owe 1 month, i inform them about the letter they sent me, after about 20mins on the phone the person from Santander informs me that the letter was an error and explains the reason why ( baffled me) anyway i tell them i'm not happy that because off an error they made, my credit report will properbly have a missed payment.

 

They inform me they will amend that, but i need to pay the remaining payment, which i agree and tell them it will be in January, they agree and thats it, or so i thought.

 

Got a letter yesterday from Wescott telling me "We confirm acceptance of the special arrangement on the above mentioned account for a single payment of £xxx.xx on the DD/MM/2012".

 

So my question is what the hell :mad2: is Santander doing passing my details onto a debt collection company when it was their mistake the payment was missed and they admitted that, what action can i take against Santander?

 

Regards

CAM

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yes, I think you have got a legitimate grievance. Unfortunately I think you're going to find it very difficult to get Santander to sort it out. They don't like repairing credit files and it takes a very disproportionate effort to get them to do anything – even if you can manage it at all.

 

If you would like to send me an e-mail to our admin address including a phone number, I'm like to discuss a possible way forward with you if you are interested

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Incidentally, I expect that there will be a month's extra interest to pay

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Yes, that is very annoying, I agree. I wonder what the effect if that might be.

 

I also wonder whether Santander's systems are up to dealing with a special repayment arrangement such as yours without wanting to log a problem or to require extra interest.

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I'm afraid that I think that complaining only makes sense if there is some objective you want to achievebecause you have suffered some disadvantage. The ombudsman will take up to 2 years or more and your anger will have subsided by then and it will just have cost you energy and effort for very little.

 

As I said above, I think that you really need to understand what the effect has been. For instance, if Wescott have got you on their files now for no valid reason, then this is something that I would want removed. I am still not convinced that in January you will be able to simply pay the missing payment and everything will be square.

 

It is so close to Christmas now, probably the best thing to do is to hold off until you have paid off the loan and then see if there is any debris lying around. Do make sure that you pay it off correctly or else they will suddenly have the moral high ground and you will be able to do nothing.

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Hi

 

Well i have the letter they sent me informing me that the balance was £0 etc, so really they are to blame for the missed payment not me, if it was an error they had a month to correct it and inform me.

 

I'll wait and see what happens

 

Thanks

CAM

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Yes please. Let us know.

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  • 1 month later...

Is there an update on this one please ?

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