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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
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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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Old welcome finance loan question


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Hi all.

 

Over the past few days, i've been going over my families finances so we can try and streamline them and have more in our back pockets each month.

 

I remember vaguely that around 2001/2003 ish area i took out a loan with welcome finance, and im pretty sure it had PPI on it ( i was 21 at the time and the clerk there said PPI was a very useful thing to have).

 

The problem im having is it was registered at my old address and was paid off in full, without missing any payments around 2 years after taking it out. I have since moved to my current address.

 

My partner has suggested that i post here to see if theres any possible way we can get any information on the old loan. We both are very doubtful we can, but we think we may as well give it a try anyway.

 

I know its from a very long time ago ( 2003/2005 at the very latest it was fully repaid), but any advice on how to get information with a SAR from welcome would be appreciated, along with any info we would need to supply welcome with.

 

Again, we doubt welcome still have ANY of the details in their system since it was so long ago, but we both though, "hey, what the hell" :)

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

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If you are happy to punt a tenner then go for a SAR.

 

However, as you say time may be against you especially if the loan has been paid off for more than six years. If that is the case then they may have destroyed the paperwork on the file.

 

If they haven't got any data on you then they should return the tenner.

 

Nothing ventured, nothing gained IMHO

 

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True. What info would i have to include with the sar? A short detailing of my old address along with my new one? DO i need to provide any evidence?

 

Right now, money isnt too much of an issue, but since we want to put money down into out house, we thought nothing ventured, nothing gained. So we are happy enough putting down the £10 in a postal order. Although my partner has doubts about being able to recash it if its returned.

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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In the SAR I would give them full name, date of birth and the address(es) you were at while the loan was live.

 

To prove your current address maybe the header of a utility bill which shows your name and address.

 

Not sure on the recashing of a PO without looking. POst office site may have some info

 

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Thanks. We'll get the SAR sent on monday or tuesday. Unfortunatley we're both working tomorrow so wont have time to get to the Post office.

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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