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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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Halifax Compensation - How do I calculate it?

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Just very recently got the dreaded letter from Halifax. I know it's been in the news but it must have got under my radar so the letter came as a mighty shock. Been away a while so I have less than three weeks to sort something. I have written to Halifax explaining pretty much what is recomended by the contributors on these various theads and explaining that in an ideal world I'd like their insurance to carry on so my dog would be covered for its existing problems.


Assuming this isn't going to happen them I need to consider the "compensation" route if it comes to it.


How do I calculate compensation? My dog Ellie is a rescue Rottie x Lab. Between the ages of about twelve months and thirty months she suffered kennel cough (never recurred), catarract in one eye (operated on twice and not recurred), pancreatitis (treated and never recurred) and mega oesophagus (treated and never recurred).


Age about four years she was rushed into the RVC where she was diagnosed with pneumonia and almost died. She is now five and still going strong. She is on long term steroid treatment; not ideal but she is alive.


Are all or none of these ailments going to recur and how long is she likely to live? This is why I would prefer the insurance to continue running as opposed to compensation. Compensation would need to cover worst case scenario as her treatment has been expensive so I would need say five years at £6000. Clearly this is over the top (hopefully!). In an ideal world Halifax should lodge this money (and everyone elses) in a compensation fund. If your dog needs treatment for an existing condition then the new insurer should be able to draw on it up to the value you were insured for. £6000 p.a or whatever.


As an aside in other threads the 20% "co-insurance" has been mentioned. This clause appeared in my renewal contract last year for dogs of six years and over.


Finally I was offered insurance with Petwise in my letter from Halifax. It doesn't cover existing condition cover. It has a limit per condition of £5000 and is about £35 per month (from memory) which is seven pounds more expensive than what I am paying Halifax at the moment. I went to the Petwise website and got a quote and it was about the same as I'm paying now. Halifax have been working hard on this alternative deal - for whose benefit I wonder?

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