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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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Quotation check and advise.


gust
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Hi

 

I wonder if you can help me out a little.

 

I found a website showing which credit reference agencies are used by bank lenders.

 

Is there any such listing of which CRA's motor insurance companies use?

 

I have different info with all 3 CRA's, one being alot better than the other 2. I would like to find out which insurers use which CRA's before i go ahead and make an application.

 

ALSO - if using comparison sites, if they are giving me multiple quotes from serveral companies, will this mean several credit searches? I have heard that credit ratings COULD be damaged if this is done wrong.

 

 

thanks for you help here, yet again

 

cheers

If i help feel free to click star on my post. cheers

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when i have taken motor insurance out in the past and paid monthly there has been a search on my credit file,

but only by the company i took the insurance out with not by any of the other ones that quoted

 

not sure if that helps

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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Thanks that answers one question. The other question... Basically my experian credit file will be clean next month finally but i have defaults showing on the other 2 cra files. So i really need to know any motor ins companies who only credit check using experian and not the other 2. Ta

If i help feel free to click star on my post. cheers

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I have had a lot of defaults in the past but have never been refused insurance cover. Also doesn't really matter how many searches show as their are only quotation or insurance searches so will not arm your rating.

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Hi i used several comparison sites recently to see what deals i could get on car insurance. I have checked and all seem to have been done with experian. Am i right in believing that no full credit check will be done until when i select the insurer i want and process the application? Also i got the quotes while a default was on my credit file with equifax and now my default has passed 6 years so vanished :) so would there be any benefit in getting requoted in case the default upped the premium since now the default has gone wondering if would get cheaper deals. What do you think? Cheers

Edited by gust

If i help feel free to click star on my post. cheers

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All insurance/ loan apps on comparison sites will result in

searches for ID purposes then a full credit search if you

pursue the app.

 

A requote is definitley in order.

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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Look like my post was merged and last post vanished. In short i got quotes for insurance while i had a default but now it has been removed. If i get quotes again with default removed do u think i'd be offered better deals and maybe cheaper premiums? Ta

If i help feel free to click star on my post. cheers

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HI

 

In need of car insurance right now and the cheapest i have found is with the green insurance company.

 

Anyone dealt with this or know if they are worth using or avoiding?

 

thanks

If i help feel free to click star on my post. cheers

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cheers

 

it feels good to have all GREEN on one CRA :) now just have to pick wisely to which CRA's get used by what companies

 

ta Brig (yet again) ;)

If i help feel free to click star on my post. cheers

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:) a quick thought.. Would logging into my existing confused.com account and just searching for new quotes be enough to notice i have no default with cra... Or will it still use the previous cra search? Wondering if starting all over with a fresh applicayion would be the better option? Will that make any difference do you think? Ta

If i help feel free to click star on my post. cheers

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I don't think they use historic searches, it will be a new one each time>

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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Ageas is the new name for Fortis group insurance. They also underwrite for people such as Tesco insurance.

 

The insurance brokerage firm I insure through recommend them highly and I've had lower quotes from them for personal and business insurance!!

 

Feebee_71

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