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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.

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      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
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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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Welcome PPI and Insurance


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Hi all - MODS - If this isn't the correct forum, please feel free to move. Thanks!!

 

I had a PPI claim with Welcome which I have just had settled (after 4 months!:)).

 

On a couple of the loans, life insurance and home emergency insurance were added to the loans without my permission or knowledge which only came to light as I was beginning my PPI claim.

 

I called the FSCS to ask why the insurance wasn't added to my claim amount, even though I had mentioned it in the paperwork I sent. Was told that I wasn't the first one to ask about this and that a database was being compiled to which my name and details had been added, and that paperwork would be sent about it at a later date.

 

Is anyone else in this position?

 

TIA :)

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what p[aperwork did your send?

the fos CQ and an SOC?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did you mean the original paperwork sent for the claim? I got some forms from FSCS, completed them and sent them back. On the section where it asked did I know about the PPI, I stated I did not know, and that Home Emergency cover had been added on, even though I distinctly remember it being offered, and I did tell them at the time I already had similar cover with Direct Line.

 

The Life Insurance I didn't even know about until I called to query whether the money deducted for the HE had been included in my settlement. It was the FSCS who told me!:!:

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the FSCS are well aware that HCE and LIfe are part of the same package,

 

they are pulling your leg.

dont forget they are welcome staff operating under fscs rules.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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were these loans rolled over into each other/

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Yes, I know Welcome are no more (Wonder why? Is it because they are robbing ********??:evil:). And I know that the FSCS are dealing with all Welcome claims from their offices.

 

No - the loans were all separate. All have now been settled in full. The PPI's been settled. Looks as though I also have a claim WEG the insurance the sneaky gits added on without my knowledge.

 

My question was: Is anyone else in the same position? And have they received paperwork to facilitate their claim??

 

Just wondering when to apply the thumbscrews!:madgrin:

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as far as i'm aware other claims have always include these ,...strange

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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