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    • Your not understanding the probelm.   The problem is when i write the old name of evri (which is hermés without the accent) this forum auto changes it to evri which means the email address the OP ends up using is wrong.    
    • Wow, £1,650 for 3 years warranty, their cost would be in the region of £200 per year, im being generous there and that would include breakdown cover etc. Insurance backed warranties aren't as bad as people often state. The problem is lack of understanding what is covered and customers often thinking (or being told) they 'cover everything'.   To be fair i doubt the retailer would have been aware of the water ingress beforehand. Its fairly common on used cars and on some models im surprised if they dont have a leak in the usual place. That would be why the previous owner got out of that particular car i imagine. The ingress doesnt usually cause any post repair issues, i've never had a vehicle come back with secondry problems but i'm sure it happens. If its an Aygo they dry out within a couple of days, if its a BMW with underfloor speakers and control modules thats where the fear sets in. The sales assistant made their commision that day for sure........
    • I didn't think email addresses worried about upper case or lower case or accents, but are you sure that the accent on EVRi isn't è with the accent going down from left to right, rather than up? That's how it would be in French.
    • Just an update, first expected letter had not arrived as of yet.
    • Yes but the problem is if you try to type the word hermés without the accent the site auto replaces the word to evri but for the email it is hermés europe not evri europe so the auto correct causes the email to be displayed wrong hence it bounced
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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.

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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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Early Settlement Figure


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Hi All,

 

I took out a graduate loan back in 2008 for £15,000 over 5 years (circa 12% APR) and I am now looking to pay off early.

 

Loan Amount: £15,000

Monthly Payment - £331.00

Term - 60 Months

Amount of interest payable - £4860.00 plus interest for 3 month holiday at start of loan.

Current payment - No. 43

 

Basically, i've contacted Natwest and asked for a settlement figure which they confirmed over the phone to be £5881.00. Now by my calculations thats the whole of the remaining loan amount (including interest) plus a two month penalty? and no rebate?

 

In this case, there seems to be no point in me repaying early and I might aswell continue paying monthly?

 

I just want to confirm that this is correct as seems strange to me...

 

Many thanks for your help.

 

Rob

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Some Natwest loans charge an early redemption penalty of 58 days interest. I bet that is what they have added on.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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Thanks for your reply - I understand the principle of adding 58 days interest but is there not a statutory reduction of interest under the 2004 regs to cover the fact i'm repaying 18 months early?

 

Thanks

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thanks for this - i've just enter details and it suggests a balance of circa £5164.00 for 43 months however my online banking shows a balance of £5661.00 and my settlement figure is £5881.00....i'm just so confused as settling early would seem to cost me £100's..?

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