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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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Egg Loan PPI - Can I claim?


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Hi I was wondering if someone could give me some advice. Took out Egg loan in 2003 with PPI and not long after had a top up loan. Few years later got behind with payments and eventually Egg took me to court resulting in CCJ and Charging Order against my property. Furthermore, Egg sold debt within the last 12 months to another company.

 

Just for the record, I am keeping up with agreed repayment plan and new owners of debt have just offered to take 60% as full and final payment.

 

Taking all of the above history of situation into account, my question is, if I believe PPI was missold to me, do I have any chance of getting it back? Advice greatly appreciated please.:???:

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Hi ims 21, thank you for replying.

I have the agreement for the initial loan but not for the top up loan. As for payments made, I believe I have good record of this side of things.

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Hi

 

Ok what I would do is SAR Egg to get (amongst other things) a complete history on the account.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green. Add a line that says that the SAR is to include copies of all and any agreements you have had with them.

 

It may well be there there were unlawful charges added to the account which you could claim back as well and this should be confirmed or denied by the statement history which should come back.

 

It sounds to me like the Debt Purchaser may not know about the CCJ because why would they offer a discount on a debt that the court has confirmed.

 

As I say I would SAR Egg so that you can get the ducks in line and then have a better idea of how to proceed.

 

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Hi, I will get on to that immediately and seek further help as and when if that's ok. Thank you for showing me the way forward. I have been afraid to pursue this matter in case my reduced payments were compromised or indeed that they would demand the whole amount owed.

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