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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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PPI offer settlement


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Hi All I wonder can you help.

 

I have just received a letter of offer of settlement of PPI from NRAM--Northern Rock.

 

They have made me an offer but have given me two options of acceptance.

 

Offer 1

states that I can have the refund in full but I confirm that I have arrers.

 

offer 2

states I put the payment towards arrers.

I cant make the jargon out and they wont give me a proper ans..

I want to know if I accept the money ,which would help me emmensily at the moment, would the bank demand reypayment of the arrers immediatly.

 

I am at present paying off the loan through a plan with Paypln at a reduced rate and am also worried this may also be effected.

 

I cant help feeling that yes they have admitted their error and owe me this but thay say I owe them more

so tough it will have to go towards hat or else we wont playball qwith your plan.

seems unfair but is that the way the cookie crumbles? After all folks its our bank !!!

can anyone advise

thanks

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Trying to hold you too ransom and bribe you??

And it is YOU who calls the shots, not them.

 

Regardless whether or not you have 'arrears' with them, they owe you this money, and to attempt to bribe you into admitting something which is already obvious is exactly why we on this bank.

 

I find the whole banking industries attitude ridiculously arrogant.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Hi

 

I would suggest that you are in financial hardship if you are paying off debts through pay plan.

 

The banks are not allowed to take retaliatory action as a result of PPI claims, especially where there is a case of hardship involved. Fos would be interested to hear of that is the case.

 

They have actually been quite good to you here by giving you the option. Many lenders will use their right of set-off against arrears without giving an option.

 

If it were me I would take the money and you can then use it as you decide....that may of course include putting some in to the pay plan to help reduce your debts.

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