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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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CCCS Debt management


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Hi, I recently applied for a cccs debt management plan.

 

I owe natwest £750

Minicredit 150

wonga 116

quickquid 518

 

They say I will have to pay £138 a month, which I'm happy with.

 

But, will these companies accept? I'm not sure minicredit will and I'm worried.

 

I also don't have all the statements to send off which they require.

 

Do I need to set up a new bank account?

 

Also, when I send my letters to these companies, can I mention I've moved house since, and give them my new address?

 

many thanks for any answers, just want to be able to live again.

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Who requires the statements? CCCS or the PDL's? If its the PDL then tell them to get lost. If its CCCS, write to the PDL and ask for a statement of account. Be warned though, PDL's will throw on a lot of excess and unjust charges and interest.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Who requires the statements? CCCS or the PDL's? If its the PDL then tell them to get lost. If its CCCS, write to the PDL and ask for a statement of account. Be warned though, PDL's will throw on a lot of excess and unjust charges and interest.

 

Jesus, really?

 

I don't know what else to do other than this DMP tbh, I'm really struggling and depressed. I can bump the £138 up £100 in July, should speed the process up.

 

Never messing with them again though, lesson well and truly learned. In about 12 months it should all be gone, my credit rating will be bad but I don't want any more loans I want to be able to live on what I'm paid and become self sufficient.

 

edit: and CCCS requires the paperwork I think.

 

also, I bank with natwest and they're gonna become part of my dmp. Silly question really but I do need a new bank account right? Shame because I'm happy with them otherwise.

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Natwest are your main priority. PDL's can take a running jump compared to that. I would advise getting a separate bank account and move your income to the new one, and pay the bills from the old one. Let natwest know, and assure them that the money for their repayments will be in there without fail by the specified due date.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes. They are classed as a High Priority debt. Certainly a lot higher than the PDL's.

 

For example, the PDL on the scale of repayments is on the same level as say your ISP bill.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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