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    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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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Overwhelmed by all the information available!


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Hi!

 

Wow - so much information and sticky topics I don't know where to start!

 

I am looking at claiming back PPI charged on my old loans and credit cards. All are now cleared with some dating back to early 2000's.

 

I know that I have had at least 5 personal loans with HSBC & probably 3/4 with Egg (And a Egg credit card). Unfortunately I don't have the paperwork relating to these.

 

Now where do I start?! Some of the stickies are a few years old - is this info still upto date?

 

All help gratefully received!

 

Thanks

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Hi welcome to CAG,

 

The experts on PPI will along to help you

asap.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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The forum is big - and probably a bit unstructured by now. We do our best.

 

Your best bet is to spend a couple of days - several hours, browsing. Getting a hang of the layout and learning on your way.

 

Then you will be able tome back and ask more directed questions.

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Thanks for the responses so far, I have had a quick read of the sticky threads.... and it would look like my first task is to send off a subject access request to the Egg & HSBC.

 

Might also try and dig out a credit report to see what other store cards / credit cards / loans I have forgotten about.

 

I'm already getting excited....!!

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Hi and welcome

 

You're right...if you haven't got all the statements and agreements then a SAR is the starting point to get as much information as you can.

 

Where you have had multiple agreements/accounts with teh same lender, one SAR is all that is needed to that lender to get details of all accounts.

 

For the ones that are loan accounts, add a line into the SAR request that it is to include copies of all and any loan agreements you have ever held with them.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page on green. Cost of each SAR is £10 and they will have 40 days to comply.

 

From the information that comes back you will be able to prepare a spreadsheet of claim to send to the lender. You will also need the fos consumer questionnaire which is available from the fos website.

 

Also have a read of Nos 1 and 2 in my signature.

 

ims

 

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